Need a non-conforming loan?

What sets us apart

Specialist lending requires careful assessment and clear communication. We take time to understand your circumstances and what has made standard lending difficult before exploring alternative options.

You will get realistic recommendations, plain English explanations of conditions, and an organised process. Our focus is a stable pathway forward, not quick fixes.

Non conforming loans

How we can help

Some borrowers do not fit standard bank policy due to credit history, irregular income, or other circumstances. Non conforming options may exist through specialist lenders, depending on your position.

We help you understand what lenders assess, what documents will help, and what trade offs may apply. You can ask questions, explore scenarios, and make decisions with a clear view of the conditions.

Our loan services

Explore our services and resources

Property development finance

 

Funding a development project requires specialized capital outside of standard residential mortgages. We explain the complex landscape of construction funding, from initial feasibility to progressive drawdowns.

We help you prepare a comprehensive funding proposal and connect you with lenders suited to your specific project size and scope.

Outcome: A structured development loan tailored to keep your project moving from ground-break to completion.

Non conforming loans

 

If standard bank criteria does not fit, specialist lenders may offer options for complex circumstances and credit histories still today.

We explain costs and conditions clearly, then prepare the information lenders need for review.

Outcome: Clear path forward with realistic options now.

SMSF loans

 

An SMSF loan can fund an investment property when strict compliance requirements are met and you want to leverage your superannuation savings today.

We confirm borrowing rules and coordinate the complex legal details with your advisory team, so everything stays aligned.

Outcome: Secure property investment with clear steps ahead.

Business & commercial loans

 

Business lending can support working capital, cash flow, equipment, or commercial property when growth plans require funding support right now.

We clarify purpose, prepare documents, and compare lenders so your application stays organised always.

Outcome: Funding aligned to business goals and timelines.

First home buyers

 

Your first home should feel clear, not confusing. We explain borrowing capacity, deposits and pre approval before you make offers.

We keep paperwork organised and guide you through approval and settlement, step by step.

Refinancing a Loan

 

Refinancing helps when your loan no longer suits your budget, goals, or lifestyle. We review rates, fees and features carefully.

We compare options, explain costs clearly, and manage paperwork so the switch stays simple.

Debt consolidation

 

Multiple repayments can strain your budget .

We assess whether eligible debts can be combined into one facility safely.

We check affordability and total cost, then explain trade offs in plain English clearly.

Investment loans and lines of credit

 

Investment lending works best with the right structure.

We compare loan options that suit your cash flow and strategy goals.

We explain flexible features, lender policy, and documents required so you can act quickly.

Our partners

Strong lender relationships help us compare options quickly and match loans to real borrower needs.

What our clients say about us

Real feedback from clients who valued clear advice, organised support and a smooth lending process.

Google
Andrew Zbik profile picture
Andrew Zbik
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Derik was wonderful in helping us settle our SMSF property. The process was complex. However, Derik's skill, knowledge and his legal background experience shone through as he navigated the loan application process and negotiated an outcome with the lender that helped us achieve our goals. I am very happy to refer Derik to my friends and family.
Google
Hannah Bickerton profile picture
Hannah Bickerton
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It was such a great experience working with Derik. He was patient, and dealt with a lot of questions from us! We really value his help and will be referring him to many people in future!
Google
GEORGE ANDREWS profile picture
GEORGE ANDREWS
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I recently worked with Derik from Australian Loan House on a client’s purchase that he referred to us, and I was very impressed with his professionalism, responsiveness, and overall efficiency. Derik was proactive throughout the entire finance process, kept both the client and myself informed, and ensured everything progressed smoothly and on schedule. His attention to detail, clear communication, and genuine commitment to achieving the best outcome for the client made the transaction seamless from start to finish. As a conveyancing solicitor, it’s refreshing to work with a broker who is organised, solutions-focused, and truly dedicated to client service. I’m very pleased to recommend Derik and Australian Loan House to anyone seeking a knowledgeable and reliable finance broker.
Google
Khachig Kabakjian profile picture
Khachig Kabakjian
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I had an outstanding experience working with Derik, and I couldn’t be happier with the service he provided. From day one, he demonstrated deep market knowledge, strong responsiveness, and genuine care in helping me navigate the entire journey. Every question was answered clearly, and every step was handled with professionalism and efficiency. What truly stood out was that Derik didn’t just support us with financing — he proactively connected us with a buyers agent and a solicitor, both of whom we ended up using and were extremely impressed with. Those introductions made the process even smoother and ensured we had trusted experts across every stage. His guidance, attention to detail, and commitment to achieving the best possible outcome transformed what could have been a stressful and complex experience into one that felt organised, transparent, and seamless. I would highly recommend Derik to anyone looking for a trusted, reliable broker — and someone who can act as a true partner throughout the property purchase journey. A brilliant one-stop experience with an exceptional network and outstanding service.
Google
Bronwyn Finnen profile picture
Bronwyn Finnen
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We would certainly recommend Derik Karamian for obtaining a home loan. Derik was very approachable and always available to answer any of our questions. Derik’s knowledge of the process made our application easier to complete to a successful conclusion.
Google
Sally Walters profile picture
Sally Walters
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Derik was fantastic to work with. He made the job of getting a loan very easy for us, doing all the behind the scenes work to get us the best rates and terms. We are very happy with the service provided and recommend him strongly.
Google
Meltem Akyol profile picture
Meltem Akyol
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Great experience with Derik. Very efficient and helpful. I would highly recommend.
Google
Ari Palandjian profile picture
Ari Palandjian
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Thank you Derik and team. Very happy with the service and negotiating with the Banks on my behalf. Looking forward to the next one.

Why choose us?

How we can help

Safety

Clear comparisons

We explain lender options in
plain English so you can choose confidently.

Secure

Strong lender

We understand lender policies and
help present your application clearly.

Payment

Organised process

We keep documents, timelines, and follow ups on track, so your application keeps moving.

Support

Ongoing support

We stay available for reviews when
your goals, income or rates change.

Get in touch

Tell us what you are trying to achieve and we will guide you to the right next step. Share a few details and we will get back to you as soon as we can.

Call us

Contact us

Level 34/100 Miller St, North Sydney NSW 2060, Australia

Request a proposal

Fill out the form for a prompt response

Australian Loan House
FAQs

Quick answers to common questions about non conforming lending in Australia.

Who are non conforming loans for?

They may suit borrowers who do not meet standard bank criteria due to credit history, income patterns, or other circumstances. Suitability depends on lender policy and your position.

What do specialist lenders assess?

They often assess income evidence, stability, recent credit conduct, liabilities, and the purpose of the loan. We explain what matters most for your situation.

Will my credit history affect the outcome?

Credit history can influence lender choice and terms. We explain realistic options and what information supports your application.

Do I need a larger deposit?

Deposit needs vary by lender and circumstance. We assess what is realistic and explain options clearly.

How long does the process take?

Timeframes depend on the lender and complexity. We set expectations early and keep you updated through each stage.

How can I improve my chances?

Clear evidence, stable banking conduct, and a well explained application can help. We guide you on what to prepare first.

What Should I Do First?

Start with a clear overview of income, expenses, debts, and any credit issues. We will outline a practical pathway and next steps.