Alternative Lending
More options than the big banks
Self-employed? Credit challenges? Irregular income? The banks might say no, but there are specialist lenders who get it. We know them all.
Explore your optionsWhere traditional lenders struggle
Banks have strict rules. But specialist lenders are more flexible. They understand messy situations and are willing to work with you.
Self-employed income
Banks want two years of history. Specialist lenders look at your actual situation and might accept recent business owners, contractors, or those with variable income. We know who's flexible.
Credit challenges
Old defaults, missed payments, or a rough patch? Specialist lenders understand that people bounce back. We can help you get a mortgage even with a less-than-perfect history.
Irregular income
Seasonal work, commission-based roles, or income that varies month to month? Banks hate it. Specialist lenders look at your last 12 months and can work with you.
Bridging loans
Need a short-term loan to buy before you've sold? Or to cover a gap? Bridging finance gets you cash fast, then you refinance once things settle down.
Why work with us for alternative lending
We understand your situation
We don't judge. We get that life's messy. Maybe you had a rough patch, or your income looks weird on paper. We listen and find a lender that gets it too.
We know the specialist lenders
We work with non-bank lenders, credit unions, and specialist mortgage lenders. We know who'll say yes and who's flexible. You don't have to shop blind.
We'll get you approved
We'll prepare your application the right way, with the right documentation, for the right lender. That maximizes your chances of approval and might get you a better rate.
Alternative lending questions
Will non-bank lending be more expensive?
Usually, yes—specialist lenders typically charge a bit more. But sometimes the difference is only 0.5-1%, and it's worth it for approval and flexibility. The real savings come from getting a mortgage you couldn't get elsewhere. We'll always show you the trade-offs and help you decide if it's worth it.
How different is it from a regular mortgage?
The process is similar, but applications might get more scrutiny. Be prepared for additional documentation—sometimes a lot. We help you get everything ready so you're not caught off-guard. Once you're approved, it works just like a regular mortgage.
Can I refinance to a bank once I'm stable?
Absolutely. Non-bank lending can be a stepping stone. If you get your credit sorted, build stable income history, or pay down your loan, you can refinance to a bank for a better rate. We'll help you make a plan and execute it when the time's right.
How do I prove self-employed income?
Specialist lenders will look at tax returns, accountant statements, and bank statements. Some want to see 2 years, others will accept 1. Bring as much documentation as you can: recent payslips if you've got employees, accounts, contracts. The more solid your documentation, the better your chances.
Think you've been turned down?
The banks might have said no, but we've got other options. Let's have a chat about where you're at and what's possible.
Book a confidential chat