Non Conforming Home Loans

Need a Non Conforming home loan because you don't fit standard lending criteria? We can help

  • We assist customers with unusual or irregular income, credit issues, short term employment, self employed with no current returns completed, non residents & more
  • We specialise in home loans for people who do not meet standard lending criteria.
  • We can structure your application for the highest chance of success
  • We have the experience to find a lender that will approve your loan
  • We can assist you with improving your credit score & having defaults removed
  • No set of circumstances is too difficult for us to work with
  • We have been able to get loans approved for customers that have previously been declined going directly to lenders

    Have one of our team contact you for advice on a non conforming loan

    Features of a non-conforming home loan

    Non conforming home loans are for anyone who do not fit regular credit requirements such as length of time in employment, residential status,  unusual or irregular income, self employed income with no current tax returns, credit file issues such as low credit scores, late repayments, defaults or bankruptcy.  As standard credit requirements get tighter, getting a home loan for many people can be difficult, but it’s not impossible. We work with multiple lenders who offer a product called a non-conforming home loan, this is a loan that does not require the normal application criteria of a standard home loan. Non-conforming loans will have a higher interest rate than traditional home loans and may have higher fees and charges with less flexibility. Non-conforming loans allow you to get the home loan you require and provide an opportunity to re-establish your credit file, enabling you to transfer to a lower rate, traditional home loan down the track.

    Get a free Credit Report

    A credit report will allow you to check your credit history before applying for a loan.  You can order a maximum of one free summarised credit file report per year from Equifax (fees apply to additional reports) .  Equifax will send you a copy of your summarised credit report which usually takes up to ten days.

    If you are making an enquiry to have a loan application processed through Assured Lending,  your broker will supply you with a free detailed credit report at no cost.   This report includes declarations of bankruptcy, overdue and outstanding debts, the number of loan enquiries made in the last five years, credit account information, court judgements and court writs.

    What our customers say

    I couldn’t give a more resounding recommendation.
    “Contacting Quintin at Assured Lending turned out to be the best decision we could make. We’d been dealing with another mortgage broker and were having a nightmare of a time. Getting information was impossible, emails took two days to get a response and we ended up putting in an application that was never going to be accepted because the broker was obviously unaware and didn’t care to make sure our paperwork fit the lenders criteria. We gave up and walked away in disgust and decided to try someone else so we called Assured Lending. Quintin knew what he was talking about and was able to explain what possible options we might have. He worked with us throughout, was prompt with his contact and most importantly, got us approval for our loan in a really fast time frame!! A complete 180 on what we had been experiencing with the other broker. I couldn’t give a more resounding recommendation for Assured. If you need a broker – save yourself the pain and just give them a try. I just wish we’d found them in the first place!!”  – Andrew McLaren

    See more reviews from other customers

    Non conforming home loan help

    How We Get Your Non-Conforming Home Loan Approved

    If you have credit issues, there are circumstances in which you can have defaults removed and we can assist you in understanding whether or not this can be achieved. If we believe you may be able to have your credit score improved, we can refer you to industry partners to get the job done, prior to your home loan application.

    Non-Conforming Home Loans are a speciality of Assured Lending Mortgage Brokers. We have been successful in getting loans approved for clients who have previously been declined going through the banks or other, less experienced Brokers. Because of our experience with these types of loans and our relationship with the lenders who supply non-conforming home loans, we are able to structure your loan application with a higher chance of approval. We understand complex Non Conforming lending and what the requirements are to get a home loan approved under these circumstances so our success rate is extremely high. Call our office today and ask to speak to one of our Non-Conforming Mortgage Brokers to have a quick, obligation free, phone analysis of your situation.

    Have one of our team contact you

    for more information on non-conforming loans

    All advice and reports provided by the Assured Lending team are completely cost and obligation free.

    *Lender fees & charges may apply.