Non Conforming Homeloans
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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Types Of Non Conforming Home Loans
If you don’t fit the bank’s standard criteria, we have several specialist lenders that understand the intricacies of your financial position better than other lenders. See below for more details.
Low Doc Loans
When it comes to Home Loans, there are times when standard forms of income verification don’t tell the full story, and in these instances, a Low Doc loan could be the answer.
Learn more
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.
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.
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.
Alyshia Judd
12/2/2024
I had a fantastic experience with Alicia. Super friendly, warm and knowledgeable 10/10.
Connor McNamara
6/12/2024
I started the journey to buy my first home about 8 months ago with Shayna & Sam and I can honestly say that I’ve never experienced better service and expertise in the financial sector. Sam kept me up to date the entire time and every text or phone call was answered within the hour. Cannot recommend the team highly enough. (Special shout out to Sam Lawson she is a legend!)
Cassie McKee
12/4/2024
Luke and Shayna were awesome during the process of us buying our first home. So many things can be confusing during the process for first time and they were always happy to talk us through things no matter how small. Held our hand through the process and were able to get us into our first home. Very glad we found them. Highly recommend Loanright
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.
Paul Brownsdon
6/12/2024
Our recent experience with Luke and the team was fantastic. Right from the start the communication and customer service was absolutely perfect. We’ll use loanright again, and would recommend them to anyone looking for finance.
Nicholas Hopkins
12/4/2024
Luke and his fantastic team will take care of everything, An honourable mention to Deb Moss for meeting me at 6 am at a BP station to sign docs on here day off to enable me to get the house I had been chasing for months. Ledgends. Have dealt with Luke and his team before and will use them again and again their service is second to none.
Wade Bubner
6/12/2024
Amazing team. Shayna and Deb were both very patient as we worked through a few things but in the end worked with us and found us the best option that suited our situation. I highly recommend the team at Loanright.
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.
Thea Hambuechen
12/4/2024
It has been a pleasure dealing with Luke and his team. During the process Alicia and Shayna have been very informative and kept in contact regularly to make sure we knew what was happening every step of the way! We will definitely be using Loanright in the future and highly recommend. Thank you again for helping us purchase our first home.
Adrian Chrisanthou
12/4/2024
Thanks so much Brett for your professionalism and tenacity in regards to getting my deal done with loanright. I look forward doing business with you in the future as I found the experience seemless and timely. Keep up the great work Brett and team
Amy Honeywill
6/12/2024
We have had the privilege, not once but twice of gaining the help from Brett and Alicia. They are nothing short of incredible with their fast responses, a wealth of knowledge and the emotional support we needed! Thank you both from the bottom of our hearts – our family appreciates the work and constant moving mountains x
Kimberley Priest
12/4/2024
Have had the best experience working with these guys to purchase our investment property. Great application system, so quick and easy, and all questions answered promptly along the way. Highly recommend!