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.