Defaults, late payments, even bankruptcy — specialist lenders have options when banks say no. Find out what you qualify for — no obligation, no judgement.
You're not alone. Thousands of Australians face credit challenges that stop banks from saying yes — but specialist lenders see things differently.
Even small paid defaults from years ago can trigger an automatic bank rejection. But specialist lenders assess your CURRENT situation, not just your past.
Repayment History Information (RHI) stays on your credit file for 2 years. Banks see this as high risk, but specialist lenders have tiered products for different levels of arrears.
During separation, shared debts often go unpaid. Mortgage arrears and defaults accumulate. Specialist lenders understand life events and assess the story behind the numbers.
You could be paying $600/week in rent ($31,200/year) while being told you "can't afford" a mortgage. The opportunity cost of waiting for a clean credit file can cost tens of thousands.
Most banks won't touch ATO debt. But specialist lenders can consolidate unlimited debts INCLUDING tax debt into one home loan — potentially saving thousands in interest.
Some specialist lenders accept discharged bankrupts from day 1. Others consider current bankrupts entered 2+ years ago. Your past doesn't define your future.
Non-conforming loans are specifically designed for people whose credit history doesn't meet traditional bank standards. Here's what you need to know.
A non-conforming loan is a home loan product designed for borrowers who don't meet the standard lending criteria of major banks. This includes people with adverse credit history — such as defaults, judgements, late payments, mortgage arrears, or bankruptcy.
Unlike banks that use rigid automated scoring systems, specialist non-bank lenders manually assess each application. They look at the full picture — the circumstances behind your credit issues, your current financial position, and your ability to service the loan today.
Specialist lenders offer different product tiers based on the severity and age of your credit issues. Here's a general overview of what's available across the market.
Minor blemishes
Moderate credit events
Significant credit history
Most flexible
Tiers shown are a general representation of products available across multiple specialist lenders. Your actual tier depends on your full financial profile.
You might be surprised by how flexible specialist lenders really are. Here are the key policy areas that matter most.
Don't assume non-conforming means basic. Specialist loans typically include: Offset accounts, Redraw facility, Visa debit card, Up to 4 loan splits, Variable and fixed rate options, Interest-only up to 5 years, BPAY, online banking & mobile app access, and loan terms from 10 to 40 years.
Every credit situation is different. Here's how specialist lenders have helped borrowers just like you get approved.
A non-conforming loan isn't forever — it's a stepping stone. Here's how specialist loans get you back on track.
Stop paying rent and start building equity. Specialist lenders approve you based on your current situation, not your past mistakes.
Make your repayments on time for 12–24 months. Each on-time payment strengthens your credit file and demonstrates financial responsibility.
After 1–2 years of clean history, refinance to a prime lender at lower rates. Some specialist lenders even offer automatic rate conversion — no refinancing needed.
If you're paying $600/week in rent while waiting for defaults to "drop off" your credit file (5 years for most defaults), that's $156,000 in rent paid with zero equity. A specialist loan lets you start building wealth NOW — even if the rate is slightly higher than prime.
Answer a few quick questions to see which tier you may qualify for and your estimated borrowing position.
Find out what specialist loan options may be available to you
Want to know your exact options? Speak with a specialist broker.
Get My Free Assessment →⚠️ This tool provides a general indication only. Your actual eligibility depends on your full financial situation. Speak with our brokers for a personalised assessment.
Honest answers to the questions people with credit challenges are afraid to ask.
When you've been rejected by banks, you need a broker who understands credit challenges — and knows exactly where to go.
We have specialist non-bank lenders on our panel that you can't access directly. More options means better outcomes for your situation.
Hundreds of clients — including many with credit challenges — have trusted us with their home loan journey and rated us 5 stars.
Our brokers have been recognised as industry finalists for excellence in mortgage broking, including specialist loan expertise.
We've helped Australians settle over $600 million in home loans — from simple prime loans to complex non-conforming scenarios.
"Find out first, decide later." We'll tell you your options honestly — with zero obligation. Your situation is more common than you think.
We offer service in both English and Vietnamese, making specialist lending accessible to more Australians.
No complicated process. No judgement. Just honest advice and real options.
Tell us about your credit history, income, and property goals — confidentially. We've heard it all, and we're here to help, not judge.
Using our 30+ lender panel, we identify the specialist lender whose criteria best fits YOUR situation — maximising your chance of approval.
Whether you're purchasing your first home, refinancing to consolidate debt, or getting a fresh start after bankruptcy — we get you there.
Tell us about your situation and we'll identify your best options — no obligation, no judgement, no cost to you.
A specialist broker from Finance Hub will review your situation and contact you within 2 business hours. No judgement — just options.
Prefer to speak with a specialist broker directly? Book a time that suits you — it's 100% free and confidential.
