Non-Conforming Loans

Specialist Lending Options for Unique Financial Situations

Understanding what a Non-Conforming/Specialist Loan is?

A non-conforming loan is a type of home loan offered to borrowers who don’t meet the standard lending criteria of major banks or traditional lenders. These loans are designed for people who:

Are self-employed and recently started a business.
Have a poor credit history, including past bankruptcy or defaults.
Need to pay out an ATO debt.
Have a strong income but a small deposit.
Received your deposit as a gift or inheritance.
Have non-standard or irregular income (e.g. part-time, contract, business income).
Want to consolidate multiple debts like personal loans, credit cards, or business debt.
Are nearing retirement and were declined by mainstream lenders

In short, if your situation doesn’t “conform” to the strict guidelines of a typical home loan, a non-conforming loan may provide a more flexible solution.

They're also sometimes referred to as specialist loans, and are assessed with a more personalised, case-by-case approach.

Are You a Non-Conforming Borrower?

If you’ve ever been turned down for a home loan because of factors like being self-employed, having outdated financial records, or a less-than-perfect credit history, you might be considered a non-conforming borrower.

This means your financial situation doesn’t fit the usual ‘prime’ lending criteria used by major banks. But don’t worry — this doesn’t mean you’re out of options. Many people face these challenges, and there is specialist loans designed to help borrowers just like you.

If this sounds like you, it’s worth exploring non-conforming loan options to find a flexible solution that suits your unique circumstances.

We understand how disheartening it can be to be turned away by a bank, but your homeownership goals don't have to end there, we can help.

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I have known Paul for a number of years now and he has assisted be with various services from re-financing loans to new home loans for house purchases. All my experiences with him have been positive. His ability to respond in a timely manner to lender issues, providing financial advice and constantly keeping me in the loop during all steps is very comforting. I would highly recommend him to others who require similar services. Thanks Paul for all your help over the years.

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I wanted to take a moment to commend Paul for his remarkable service in assisting us to secure a complex home loan. Navigating through the intricacies of home financing can be daunting, yet with Paul, it felt like a well-planned journey. ...

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Paul has been absolutely amazing! Going over and above to get the best deal for myself and my family. I would recommend him to anyone who is looking for a Mortgage Broker who will keep your best interests at heart and get you the best outcome.

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Paul is absolutely amazing. He's helped me twice now with refinancing, he really listens and understands my goals and goes above and beyond to get the best outcome for me. I wouldn't hesitate to work with Paul again, and highly recommend him to anyone else

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Frequently Asked Questions

Should I go directly to a bank or use a broker?

Banks will only offer their own products, which may not be the best fit for your situation. A broker compares a wide range of loan options from different banks and lenders to help you find the right solution. Brokers are also legally required to act in your best interest, while banks are not held to the same standard.

Is there a cost to use a mortgage broker?

In most cases, you won’t need to pay a fee for our service. Mortgage brokers are typically paid a commission by the lender you proceed with. If you're unsure or would like to learn more, feel free to reach out with any questions.

Is pre-approval necessary for an investment loan?

Yes, getting pre approval is an important step when purchasing an investment property. It means the lender has reviewed your financial situation and confirmed the maximum amount they are willing to lend. This helps you understand your budget and makes you more confident when you are ready to make an offer.

What happens to my home loan if I move to a new property?

If you are buying a new home, you usually have two options for your loan. You can refinance with your current lender or a new one, or you can pay off your existing loan and apply for a new one for your next property. A broker can help you understand what you can afford and which option might suit you better.

How can I choose the right investment loan?

The best investment loan will support your financial goals, whether you are focused on increasing cash flow or building long term value. One of the first things to consider is whether you want a fixed or variable interest rate. Each lender offers different loan features, so working with a broker can help you find the right loan with the right structure for your needs.

What are the fees involved in buying a property?

There are several extra costs that come with purchasing a property, and they are not always explained clearly. These can include stamp duty, loan application fees, building and pest inspections, and other charges. Speaking with a broker can help you understand all the costs upfront and avoid unexpected surprises.

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INTERNATIONAL LENDING GROUP PTY LTD ABN: 31 668 903 688. Credit Representative #513915 is authorised under Australian Credit License #517192

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.