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The Leaders in Non-Conforming Home Loans
We put you first. No matter your circumstances, we'll do our best to find you the right home loan through our network of 40+ lenders.
Speak with an independent broker now to find the right loan for you
No matter your situation, we are here to help. We're specialists in Non-Conforming Home Loans with years of experience under our belt.
Thank you. The Assured Lending team will be in touch shortly.
We compare over 40 of Australia’s leading lenders with a choice of hundreds of home loan products
LOW-DOC HOME LOAN PROCESS
Understand our process for Non-Conforming Home Loans in Sydney
No matter what your circumstances, we will find the right home loan for you from our range of Australia’s leading lenders. We will do all the research and then present you with all your options.
Talk with our broker
Step 01
Free Consultation & Situation Analysis
We start with a no-obligation chat about your financial profile and goals.
Step 02
Borrowing Power Calculation
Our team reviews your credit history and identifies opportunities to strengthen it ahead of application.
Step 03
Extensive Loan Comparison
We compare specialist lenders with more flexible criteria to find the best options for your circumstances.
Step 04
Structured Application Preparation
We tailor your application for the highest chance of approval with the chosen lender.
Step 05
Approval & Loan Completion Support
We guide you through documentation, approval updates, and settlement.
Step 06
Planning for a Conforming Loan
Once you’ve re-established a stronger credit position, we help you explore pathways to a lower-rate, standard home loan.
Don't hear it from us. We've got over 100+
5-Star ⭐ Google Reviews
5-Star ⭐ Google Reviews
I wholeheartedly recommend Quintin as a mortgage broker for anyone seeking to refinance an SMSF loan. His deep knowledge, attention to detail, prompt communication, and unwavering dedication to client satisfaction make him an outstanding professional in his field.
Hoai Huynh
Quintin was so professional from start to finish. Answered all of of questions and made the whole process smooth and simple. Highly recommended.
Danny Bray
Amanda from Assured Lending Mortgage Brokers was instrumental in assisting me with purchasing my first property. She was extremely approachable, knowledgeable and very responsive. Whenever I had a question she was quick to respond and provided me with insightful and expert advice throughout the process.
Drazen Cuca
Couldn’t be happier with the service provided. Being my first home loan, I had lots of questions – Quintin was very helpful, knowledgeable and provided thorough explanations. Good communication was key and he was readily available for a chat from start to finish.
Roy Kennard
Quintin is friendly and approachable. He explains everything well. He was always contactable and got the loan done quickly and efficiently. I would definitely use Quintin again 😀
Sarah Marsh
When Standard Home Loans Just Don’t Fit
If you’ve been turned down for a home loan because of unique financial circumstances, irregular income, or credit history challenges, you’re not alone — and you still can secure a mortgage. A non-conforming home loan with the help of Assured Lending gives qualified borrowers a path to homeownership when traditional loans won’t.
What Is a Non-Conforming Home Loan?
A non-conforming home loan is a type of mortgage designed for people who don’t meet the strict criteria of major banks or standard lenders. These loans are available through specialist lenders and can be suitable if:
- Your credit score is low or you have past defaults or bankruptcy
- You have irregular or unusual income (self-employed without tax returns, contract-based work)
- You’re a new resident or don’t yet have a long employment history
Non-conforming loans often come with higher interest rates and fees compared to standard mortgages, but they provide a valuable option when conventional lending isn’t available. Importantly, successfully managing a non-conforming loan can help improve your credit profile and position you for a traditional home loan in the future.
Who Can Benefit from a Non-Conforming Loan?
These loans are ideal for borrowers facing one or more of the following situations:
- Credit history issues: past late payments, defaults, or bankruptcies
- Irregular income: casual, contract, or without standard documentation
- Self-employment: income evidence may not meet traditional lender criteria
- Short employment history or recent job change
- Non-residents or temporary residents with alternative income profiles
A non-conforming home loan allows you to still buy property and rebuild your financial credibility, even when typical lending rules would otherwise prevent approval.
Is a Non-Conforming Loan Right for You?
A non-conforming home loan isn’t the first choice for everyone — but it is an important option for people who:
- Don’t qualify under strict standard criteria
- Have the ability to service a loan but limited documentation
- Want to enter the property market sooner rather than later
- Wish to reset their credit standing through successful repayment history
We’ll help you understand all the benefits, costs, and risks so you can make the right decision for your future.
Why Work With Assured Lending for Non-Conforming Loans
Non-conforming home loans require a strategic approach — not every lender or loan product is the right fit for every borrower. Here’s using Assured Lending matters:
- Specialist expertise in complex lending and flexible loan options
- Access to a wide panel of lenders prepared to consider non-standard applications
- Enhanced structuring of your loan application for a better chance of approval
- Credit guidance to help improve your financial profile over time
- Ongoing support as your situation evolves and opportunities to refinance to a standard loan arise
We’ve helped clients secure non-conforming loans after being declined by banks or other brokers because of our experience and lender relationships.
Ready to Explore Non-Conforming Home Loan Options?
Don’t let standard lending barriers stop you from owning a home. Speak with an experienced Sydney mortgage broker from Assured Lending who understands non-standard lending and can map a clear path forward.
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