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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

1710, 2022

Home Loans for Ex Bankrupts

October 17th, 2022|Categories: Bad Credit Home Loans, Home Loans for Discharged Bankrupts|Comments Off on Home Loans for Ex Bankrupts

Home Loans for Ex Bankrupts At a time in your life for a whole variety of reasons, we may find ourselves overwhelmed by debt. When that happens bankruptcy can feel like a way out of a stressful position and can cause future financial issues. So what are the rules around getting a home loan after bankruptcy? Here’s what you [...]

1210, 2022

Debt Consolidation Loans for Bad Credit

October 12th, 2022|Categories: Bad Credit Home Loans, Debt Consolidation Loans|Comments Off on Debt Consolidation Loans for Bad Credit

Debt Consolidation Loans for Bad Credit Debt Consolidation Loans for bad credit are a debt reduction strategy that allows you to combine multiple debts into a single payment. Having one account can be easier to manage and making only one repayment could help you lower your monthly repayments. One of the most common ways to consolidate debt is to [...]

410, 2022

What are Home Loans for Bad Credit?

October 4th, 2022|Categories: Bad Credit Home Loans|Comments Off on What are Home Loans for Bad Credit?

Home Loans for Bad Credit Home Loans for Bad Credit are home loans that are specifically geared towards people with ‘ poor credit black marks ’ on their credit history such as paid or unpaid defaults, judgement's, arrears or discharged from bankruptcy. It's similar to a standard home loan in the sense that you'll generally need to save up [...]

209, 2022

Refinancing your home loan to consolidate debt

September 2nd, 2022|Categories: Bad Credit Home Loans, Debt Consolidation Loans, Home Loans for Discharged Bankrupts|Comments Off on Refinancing your home loan to consolidate debt

Refinancing your home loan to consolidate debt Here’s everything you need to know about refinancing your home loan to consolidate your debts into your home loan. How do you start your refinancing trip? Before making an application to refinance, consider your current financial situation along with your current level of monthly repayments to establish if there is a benefit [...]

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