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.
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.
Why choose us?
How we can help
Clear comparisons
We explain lender options in
plain English so you can choose confidently.
Strong lender
We understand lender policies and
help present your application clearly.
Organised process
We keep documents, timelines, and follow ups on track, so your application keeps moving.
Ongoing support
We stay available for reviews when
your goals, income or rates change.
Get in touch
Call us
Email us
Contact us
Level 34/100 Miller St, North Sydney NSW 2060, Australia
Request a proposal
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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.










