Non Conforming Loans Podcast Podcast Artwork Image

Non Conforming Loans Podcast

Ray Ethell

We are the experts in finding ways to assist with your home loan approval. Non conforming loans are basically defined as finance for those people who may be in unusual situations with how their income is paid or how they wish to finance their home loan or mortgage.

There are many reasons why certain borrowers will not meet the lending requirements set out by traditional lenders:

Bad credit home loans  – these borrowers have generally experienced a “life event” such as a marriage breakdown, illness or a business failure and are considered high risk by most lenders even if they have overcome the event that caused the impairment

Low Doc Home loans – borrowers with irregular income, such as Contractors, applicants on Probation, Short Term Employed or Self Employed without lodged Tax Returns, may not fit the criteria of mainstream lenders.

Debt Consolidation Home Loans – these borrowers may require cash out to pay tax debt or consolidate multiple unsecured loans such as credit cards, personal or car loans or business debts and can be rejected by prime lenders.

Near Prime Home Loans – Most Banks and Mortgage Insurers have adopted statistics-based credit assessment models that do not offer the flexibility specialist lenders can provide.

Discharged Bankruptcy Home Loans – Most Banks and Mortgage Insurers will not lend to Ex Bankrupts where we will lend to 95% LVR.

Expat Home Loans – Australian Citizens working and living overseas can borrow to 80% LVR.

Non Resident Home Loans – Non Residents or Non Citizens or Temporary Visa holders can borrow up to 80% LVR

Commercial Property Loans – You can borrow up to 80% LVR on Commercial Property in Australia

Private Lenders – We have private lenders for commercial purposes


Those interested in any of these types of loans can begin the application process directly on the website. For those who are unsure about applying for a loan or who aren’t completely comfortable beginning the application process online the website offers full contact information so that potential borrowers can call to speak with a loan specialist.