Non-bank Lending
When a non-bank lender is the right answer
Non-bank lending gets treated as a last resort, which is not quite right. It is a different set of rules. Non-banks will look at income the main banks discount, properties the main banks will not take, and timeframes the main banks cannot meet.
The trade-off is a higher rate and usually a fee. Whether that is worth paying depends on what the loan is doing and how long you expect to be there.
What advice covers
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When a non-bank is genuinely the right answer and when it is not
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What the rate and fee difference actually costs you over the period you need it
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Bridging finance, construction, and lending against property types the banks decline
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How non-bank lenders assess self-employed and complex income
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Planning the route back to a main bank, and what has to change before that is possible
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Which non-bank lenders suit which situations
Tools and downloads
Related reading
Non-Bank Lending in 2026: When It Makes Sense to Pay a Higher Rate
The Role of Bridging Finance in a Recovering Market
Relocatable Houses: A Low-Cost Strategy for High-Yield Cash Flow
Commercial Property for Residential Investors: Bridging the Gap
DTI Restrictions vs LVR Easing: Which Change Actually Impacts Your Borrowing Power?