Specialist loans
Has your bank told you no, you cannot borrow that money? Do not stress. Just because your bank said no does not mean there are no other options.
Every bank has different policies and a different method to calculate how much you can borrow. Each bank has a different risk profile at times and may not fit your requirements right now. Using our trusted network, we connect you with experienced brokers who find alternative lending solutions for these scenarios and more.
One caution. Too many enquiries directly to one or multiple banks can hurt your credit score. Talk to us first.
- Credit impaired
- Short term income
- Expats and foreign income
- Debt consolidation and tax debt
- Bridging finance
- Self employed
- New businesses
- Incomplete financial statements
- Private, development and subdivision lending
- Medico and professional packages
- SMSF
- Mature age and retirees
- Cashflow lending
What we arrange
Specialist Loans
Non conforming lending when the mainstream banks say no. Credit impaired, short term income, expats, tax debt, bridging.
Ask Max about this →Alt and Low Doc Loans
Self employed, new business, incomplete financials. Income verified by BAS, bank statements or an accountant letter.
Ask Max about this →Development and Subdivision
Private and development lending for builders, developers and land subdivisions, handled by ASAP Capital in our group.
Ask Max about this →Medico and Professional Packages
Packages for doctors, dentists, vets, accountants and lawyers, with LMI waivers and higher LVRs where policy allows.
Ask Max about this →SMSF Loans
Limited recourse borrowing for residential and commercial property inside a self managed super fund.
Ask Max about this →Mature Age and Retirees
Lenders that look at the whole picture, not just the age on the application.
Ask Max about this →Cashflow Lending
Working capital, invoice finance and short term facilities that keep a business moving.
Ask Max about this →Equipment Finance
Vehicles, plant, machinery and fit outs, structured for the tax position of the business.
Ask Max about this →What are specialist loans?
Mainstream lenders love applicants who have been in the same full time job for years, with more than 20 percent deposit and perfect credit. Most of us have more complicated lives than that. Our brokers' panels consider individual circumstances even if you do not tick every box of an ideal borrower.
Perhaps you have a bad credit history, are self employed or a casual or contractor. Maybe you have plenty of deposit from a gift or a redundancy but no savings history. We have seen your scenario many times and are confident we can connect you with the right professional.
Who gets a specialist loan?
- Singles and couples
- Family businesses
- Self employed and small business owners
- Mature age or retirees
- Entity and trust borrowers
For
- Purchasing a home or investment property
- Renovating
- Purchasing a car or motor vehicle
- Loan consolidation
- Small business owners without payslips
Your broker for life
Our desire is to match you with a financial professional who can refinance you to a mainstream product with potentially lower rates when your circumstances change. Through Punters Finance and our partner TSC Mortgage Brokers we offer a transition plan from specialist rates to prime rates.
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