Not every borrower, property or purpose fits a standard home loan. We help organise the facts and compare lenders that may assess the situation differently.
Start with the loan type closest to your situation, then we can help compare suitable options and next steps.
Finance for commercial property, business premises and eligible business purposes.
Explore this loan 02Specialised limited-recourse borrowing for eligible SMSF property purchases, with legal, tax and financial advice required.
Explore this loan 03Alternative income-evidence pathways for eligible self-employed borrowers.
Explore this loan 04Short-term finance that may help bridge the gap between buying and selling homes.
Explore this loan 05Finance for eligible business vehicles, equipment and machinery.
Explore this loan 06Secured and other vehicle-finance options compared by rate, fees, term and balloon payments.
Explore this loan 07Fixed-purpose or general personal finance, subject to responsible lending and affordability assessment.
Explore this loan 08Options for credit history, unusual income, property or other circumstances outside some mainstream policies.
Explore this loanThe lender may look beyond a standard checklist, but the loan still needs a clear purpose, acceptable evidence, suitable security where relevant and a credible ability to repay. Specialist lending can carry higher rates, fees or deposit requirements, so compare the exit plan as well as the initial approval pathway.
Real stories from people we helped make clearer, more confident loan decisions.
No. Every lender applies eligibility, credit and verification requirements. A specialist lender may consider different evidence or risks, but approval is never guaranteed.
They can have higher rates, fees or equity requirements because of the assessed risk or complexity. Compare the total cost and whether a later refinance to a mainstream loan may be realistic.
Requirements depend on purpose and lender. Common documents include identification, income or business evidence, account statements, liabilities, contracts, valuations and details of the asset or property.
A broker can review the application and lender feedback, but a decline should not be followed by multiple rapid applications. First identify the cause and whether it can be addressed.
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