Products
Standard Product Suite
Non-Conforming
Explore our non-conforming loans for credit-impaired individuals with no risk fees. Enjoy flexible payment schedules, unlimited additional repayments, and convenient internet banking. Suitable for individual borrowers, guarantors, and non-trading/trading companies or trusts. Accepts applications with defaults, judgments, writs, and discharged bankruptcies. Eligible properties include detached and semi-detached dwellings, apartments under 6 stories, warehouse conversions, heritage-listed properties, and more. Contact us for tailored mortgage solutions.
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Internet Banking:
Manage your loan easily with our user-friendly online banking system.
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Flexible Repayment Schedule:
Choose repayment options that suit your financial needs, including weekly, fortnightly, or monthly payments.
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Unlimited Additional Repayments:
Make unlimited extra repayments to pay off your loan faster without any penalties.
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Borrowers:
Open to individual borrowers, guarantors, non-trading companies, trusts, and trading companies/trusts.
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Debt Consolidation:
Unlimited debt consolidation options, including ATO debt and council arrears consolidation.
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Bankruptcy:
Applicants must be discharged from bankruptcy for at least 24 hours (undischarged bankrupts not accepted).
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Age Range:
Applicants must be between 18 and 55 years old.
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Credit History:
Applications with defaults, judgments, and writs registered at least 12 months ago (paid or unpaid) are acceptable.
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Ban Periods:
Any ban periods must be removed before assessment.
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Property Types:
Detached and semi-detached dwellings
- Units, townhouses, villas, duplexes
- House/land sizes less than 2.2 hectares
- Dual/multiple occupancy properties with 3-4 dwellings
- Apartments (under 6 stories or built before 2012)
- Warehouse conversions and heritage-listed properties
- Dual/multiple occupancy properties with up to 2 dwellings