Non Conforming Homeloans

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Don’t Meet Bank’s Criteria?

They say you can’t put a square peg in a round hole. Well, in the finance market, this statement can be very relevant. Due to tight laws and regulation in the finance industry, banks have created non-negotiable lending guidelines to make sure that their assessment teams only approve home loans under a set of pre-determined conditions.

Unfortunately, this means that we often see applications for customers who can most certainly afford their proposed loan commitments, but just don’t meet the requirements for bank approval. This is where Non-Conforming home loan products can make the difference.

Access Non-Banking Lenders

Our Non-Conforming lenders can look at a finance application from a common-sense approach and make a decision to approve your loan based on a much wider spread of income verification policies.

For example, a simple letter from your accountant to confirm your income can sometimes be all we need to prove you can service your loan and get approval. The only downside of these types of loans is that they often come with a higher price tag, so we talk you through all the options first.

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Our Home Loan Brokers Plan

Applicants are profiled, based on a set of risk parameters, plus your interest rate and fee structure is based on this. Generally, we set these types of loans as short-term solutions, with the game plan to qualify for refinancing to a competitive mainstream bank as soon as possible.

We’ll even call you at various milestones to make sure you stay on track financially. You should never pay more interest than you have to, for any longer than you must.

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We Listen To You

We are here to secure the perfect loan solution for you, so the first step is listening to what your financial needs and goals are.

There are so many lenders and loan products out there, so we ask the right questions to ensure that you are matched with a loan that suits your specific circumstances.

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We Find You The Right Loan

When we establish what your needs are, we then use our knowledge of the loan market and lending policies to match you with a loan. We assess all of your loan options to work out which one is right for you.

We are also able to negotiate with the lenders on your behalf.

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We Do The Legwork

After we present you with your options and you choose the solution that meets your needs, we do the paperwork, manage the application process and take it through to settlement.

Best of all, because this is what we specialise in, we get the process moving quickly. We use our relationships with lenders to secure your finance as fast as possible so that you can get into your new home sooner!

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Customer Reviews

Here’s real evidence that Loanright on the Sunshine Coast is the real deal. We help people access mortgage products better than any other broker.

Eyvette Owens
24/1/2025

I cannot express adequately enough in words how grateful I am for being introduced to the amazing team at Loanright!!! Norrie Wirihana and Sam Lawson came to my rescue when my financial provider of 28 years left me stranded. In a matter of days this amazing duo negotiated a great loan deal for me with another institution that ensured I could enjoy a happier and more affordable future and leave my financial struggles behind. Nothing has been too much trouble for this exceptional team of humans and I can not recommend them enough to anyone seeking a brighter financial future. Thank you so much Norrie and Sammy for giving me my life back!! Forever grateful!!!

Brenden Barber
6/12/2024

Norrie and the team as always were outstanding with their services. Highly recommend and will use again in the future.

Rosalyn Taylor
12/4/2024

Brett and Alicia were a fantastic team to work with. Efficient, knowledgeable and supportive. They made the process so much easier than it could have been. Highly recommend!

Jack Jarvis
30/8/2024

Absolutely thrilled with the experience I had with Shayna and Sam!! From start to finish, they were incredibly nice, making the entire process not only smooth but genuinely enjoyable. They were exceptionally accommodating, always willing to answer my questions and adjust things as needed to fit my schedule. What really stood was how they made the whole experience fun, something I never thought I would say about securing a loan! Their professionalism was top notch, but their approachable and personable demeanour made all the difference. Highly recommend them to anyone looking for a top-tier loan broker who makes the process seamless and enjoyable!!!!!

Luke Keleher
6/12/2024

Sam and the team at Loanright Financial Services provided exceptional service throughout my home-buying journey. Sam’s expertise, attentiveness, and proactive approach made the process simple, smooth and stress-free. I highly recommend Loanright for their professionalism and dedication to client satisfaction.

Alyshia Judd
12/2/2024

I had a fantastic experience with Alicia. Super friendly, warm and knowledgeable 10/10.

Kaylee Gruettner
6/12/2024

We very recently sought advice from Loanright Financial Services regarding home loan refinancing options. Sam, Luke and the team have been incredible during this process! Their customer service is second to none, consistently outstanding and exceeded my expectations every time. Sam is always inviting and made us feel comfortable but is also highly skilled, professional, efficient and kept us updated and informed in all steps of the process. I highly recommend Sam and the team at Loanright and will continue to tell everyone we know. Thank you all for taking such good care of our family!

Tim McGary
12/4/2024

OMG!! These guys are next level good. They have just settled our new home loan and we had another guy that took 4 weeks and did nothing. We then called these guys after a friend said they were amazing. They got us a home loan approved from start to finish in 35 days and I have just been released from a personal bankruptcy a few months back. We were unconditional on our purchase contract by the time we met these guys so they had to do everything perfectly and super quick. They did it with ease and the customer service and follow up and friendly attitude was totally incredible. I couldn’t recommend them anymore if I tried.

Daniel Tew
6/12/2024

Brett was recommended to us for our business loans and now 2 1/2 years later he has helped us buy our home. They where always available for any questions (even the silly ones) and returned phone calls and emails promptly. They made buying a house so easy and everything ran smoothly and on time. Both Brett and Alicia are very knowledgeable and efficient in what they do. I would highly recommend Brett and Alicia for any of your loan needs.

Melissa Fairbrother
6/12/2024

Every experience with have with Brett and Alicia for all our lending needs have been so easy and they deliver every time. Transparency, efficiency and always happy to help. We recommend this duo to everyone for any lending needs. All the team at Loanright are truly amazing!

Daniel Tew
30/8/2024

Brett was recommended to us for our business loans and now 2 1/2 years later he has helped us buy our home. The team were always available for any questions (even the silly ones) and returned phone calls and emails promptly. They made buying a house so easy and everything ran smoothly and on time. Both Brett and Alicia are very knowledgeable and efficient in what they do. I would highly recommend Brett and Alicia for any of your loan needs.

Mellissa Lambert
17/1/2024

We’ve used the expertise of Luke, Shayna and the Loanright team on two separate occasions now, I must say their service is second to none and they get the job done In record time. No question was too silly, they always have time for us. Would use again and recommend in a heart beat to anyone else needing brokerage assistance. Many thanks.