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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

1008, 2022

Is debt consolidation a good or bad idea?

August 10th, 2022|Categories: Bad Credit Home Loans, Debt Consolidation Loans|Comments Off on Is debt consolidation a good or bad idea?

Is debt consolidation a good or bad idea? A debt consolidation loan involves rolling all of your current debts into one. this will be a useful strategy to scale back monthly fees and interest, but it should not be the most effective course of action in some cases. What is debt consolidation? Debt consolidation is the process of consolidating [...]

1907, 2022

Bad credit loans for homes

July 19th, 2022|Categories: Bad Credit Home Loans|Comments Off on Bad credit loans for homes

Bad credit loans for homes to 95% LVR in Australia Life happens. Financial setbacks in the past shouldn’t necessarily preclude customers from seeking finance now. There are a number of non conforming lenders that welcome borrowers who have adverse credit events (any single event that caused an adverse credit bureau listing or listings), mortgage arrears or have been declared [...]

1707, 2022

Non Conforming Lenders for the out of the box home loans

July 17th, 2022|Categories: Bad Credit Home Loans, Commercial Property Loans, Debt Consolidation Loans, Home Loans for Discharged Bankrupts, Low Doc Home Loans, Near Prime Home Loans, Private Lending|Comments Off on Non Conforming Lenders for the out of the box home loans

Non Conforming Lenders for out of the box home loans in Australia to 95% LVR Non Conforming Lenders are making mortgages possible for those that have the chances stacked against them. With loan application rejections on the increase in Australia, there’s growing concern over how the method could affect Australians’ mental state. Of those who’ve experienced rejection when applying [...]

1507, 2022

How to get a Home Loan even if you don’t meet a Bank’s credit criteria

July 15th, 2022|Categories: Bad Credit Home Loans, Debt Consolidation Loans, Home Loans for Discharged Bankrupts, Low Doc Home Loans, Near Prime Home Loans|Comments Off on How to get a Home Loan even if you don’t meet a Bank’s credit criteria

How to get a Home Loan to 95% LVR in Australia even if you don’t meet a Bank’s credit criteria With the memory of the recent financial crisis still fresh and the resulting credit tightening still in effect at most financial institutions many would-be homeowners are still standing on the sidelines assuming that credit is out of reach for [...]

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