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Non Conforming Loans

Go to Non Conforming Loans when Your Bank Say’s NO!

Non Conforming Loans have Non Bank Lending Solutions for Borrowers that don’t fit traditional lending criteria. We are the experts in finding ways to assist with your loan approval.

We can assist with non conforming loans for purchase, refinance, cash out, ATO debts, debt consolidation, and much more. Our lenders are happy to think ‘outside the box’ for all types of non conforming loan scenarios.

So, if you’ve been finding the Banks won’t consider your application for finance.  Non Conforming Loans may have a lending solution for You.

bad credit home loans

Bad credit home loans are available for applicants that have a past or present poor credit history.  Our bad credit home loans allow funding for a purchase, refinance and construction of residential zoned property or vacant land.

Bad Credit Home Loans are available for both PAYG Employees and for Self Employed.  Bad credit home loans are available in both Full Doc and Low Doc Options up to a maximum of 95% of property value on purchase and 90% on refinance.

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low doc home loans australia

Low Doc Home Loans are designed for these self employed Australian who do not have up to date financial statements. We have Home Loans for both clean credit and bad credit for Purchase, Refinance, Consolidation and for cash out. In addition Vacant Land and Construction Loans for Residential Zoned Properties are available at lower LVR’s.

Low doc home loans are available to 95% LVR to $3 million and with a maximum loan of $15 million for LVR’s up to 65%.

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Low Doc Home Loans Approved

Borrowers have become a victim of Lenders tightening their credit policies to keep the cost of their funding down. A vast majority of these borrowers are more than capable of servicing a loan but don’t comply with lender policies.

Non Conforming Funding Lines will lend to a loan value of 95% on a purchase and 90% on a refinance.

Non Conforming Loans is uniquely qualified to assist borrowers who fall outside the traditional lending criteria.

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discharged bankrupt home loans

We have home loans for discharged bankrupts or Part 9 bankruptcy applicants who have been discharged for 1 day. We can lend up to 95% of the property value on a purchase and up to 90% on a refinance.

Our funders can also lend up to 90% of the property value on a purchase or 85% on a refinance as a low doc on a residential zoned property.

We are unable to lend to current Bankrupts or Part 9 unless for annulments or paying out debt agreements.

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debt consolidation loans

A Debt Consolidation Home Loan allows you to consolidate multiple debts from various sources or institutions.  Debts such as a home loan, personal loan, credit card or other high interest loans can be consolidated.

If you are having trouble paying these multiple debts off and have late repayments or a bad credit history then it could make sense to roll all these debts together with a debt consolidation home loan with Bad Credit.

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commercial property loans

Commercial Property Loans to 80% LVR. Our Commercial Loans cover most commercial funding options and are available in Full Doc, Low Doc and Lease Doc.  Furthermore we have funding for both clean credit and credit impaired options for Commercial Zoned Property for high population locations.

In addition funding available for property purchases, refinancing, cash out, debt consolidation, working capital, paying out tax debts and business debts.

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Expat Home Loan

If you are an Australian citizen living and working overseas it is still possible to get a mortgage. You can buy an investment property in Australia with an expat home loan up to 80% LVR.

An expat is deemed to be any person that holds an Australian Citizenship earning income in foreign currency – whether living overseas or in Australia.

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Non Resident Loans

A non resident home loan in Australia refers to a type of mortgage designed for individuals who are not Australian citizens or permanent residents. Non resident home loans can be used to purchase or refinance an owner occupied or investment property up to 80% LVR.

Non residents typically include foreign investors and temporary visa holders.

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Looking to get a new motor vehicle, fleet of trucks, or the latest plant and equipment to take your business to the next level.

We can provide finance for a wide range of options for both Commercial and Consumer Asset Purchases.

Finance available in either Full Doc, Low Doc with both Clean Credit and Bad Credit options.

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Hear what some of our clients have to say about Non Conforming Loans

Latest Articles on Non Conforming Loans

2002, 2023

Consolidating Debt into Your Home Loan

February 20th, 2023|Categories: Bad Credit Home Loans, Debt Consolidation Loans|Comments Off on Consolidating Debt into Your Home Loan

Options to Eliminate or Consolidate Debt The Australian economy may be healthier now however there are clouds on the economic horizon with the certainty of further interest rate rises and unemployment increases.  But this doesn't mean families or individuals are necessarily doing it easy as personal debt is at record levels. The personal debt to income ratio in Australia [...]

1502, 2023

Why is it Difficult for a Contractor to Get a Home Loan?

February 15th, 2023|Categories: Low Doc Home Loans|Tags: |Comments Off on Why is it Difficult for a Contractor to Get a Home Loan?

I'm a Contractor and earn good income - why wont the banks give me a Home Loan? Banks, credit unions and building societies simply like wage earners! Wage earners receive holiday pay and sick pay but more importantly will work a minimum number of hours a week and receive the same pay week in week out. This makes it [...]

1402, 2023

Can I Get a Home Loan for a Favourable Purchase?

February 14th, 2023|Categories: Near Prime Home Loans|Comments Off on Can I Get a Home Loan for a Favourable Purchase?

Favourable Purchase: What is it? A favourable purchase is a lending term for a transaction where a property is sold privately and under "market value".  A private sale means without a real estate agent involved so generally the buyer and seller know each other. Under "market value" refers to the situation where the seller is not selling the home [...]

1302, 2023

How to Get a Home Loan with Bad Credit

February 13th, 2023|Categories: Bad Credit Home Loans|Comments Off on How to Get a Home Loan with Bad Credit

Bad Credit Home Loans in Australia Many people believe that once you have filed bankruptcy or developed bad credit you will never again obtain a home loan. This was the case many years ago but it no longer holds true as no matter how bad your credit history is, even one day after bankruptcy, you may still be able [...]

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