Non Conforming Residential loans are available in numerous forms and are ideal when you may not meet traditional lending criteria. We offer a large variety of non-conforming loans that may be required due to (a) self employment - you may have limited income verification documentation or you may be unable to prove your income due to a variety of reasons including setting up a new business and reinvesting profits, (b) bad credit - you may have past adverse issues (small or large including bankruptcy) which have affected your personal CRAA credit rating, (c) Gifted Deposit or No Savings History - Many institutions will only accept a savings history over a specified period of time, (d) No Deposit - you may have very little or even no savings to act as a deposit but you can easily afford the payments and have stable full-time income so why be discriminated against?, (e) PAYG income with additional self-employed income that is not taken into consideration with the major banks, (f) New Job - you may have recently started a new position with a new employer because of personal choice or moving to a new area, (g) Family Guarantors and Security - Family can now help each other by offering some of their personal security to facilitate the loan, (h) Old Age - why should you be penalised just because you're over sixty?, (i) Unusual loan purpose or size - Every set of circumstances is unique, or (j) Private Lenders - you may want to consider alternative finance sources if you have 25% equity in your property but either have an adverse credit history or not be able to prove your income. Depending on your circumstances as summarised above, you may be able to secure the highest LVR (Loan to Value Ratio) loans available of up to 100% of the value of the property. Feel free to complete the quote form on this page for an obligation-free, cost-free assessment of your financial requirements.

Personal and Consolidation Loans are available for our clients. You may want a personal loan to be used as a deposit for future property purchases or you may want to utilise funds for personal reasons such as a holiday, boat, furniture, vehicle or any other personal reason. You may also want to consolidate your current debts including credit cards, store cards and other personal debts for the purpose of reducing your monthly repayments as well as simplifying your financial outgoings.