The Brokers Brief – Non-Conforming Lenders

We often see the standard lending policies for self-employed borrowers, can be a massive roadblock for residential lending. Not every client has two years of clean tax returns ready to go.

That’s where Non-Conforming Lenders come into play with their Low Doc / Alt Doc lending options.

These types of loans are designed for self-employed applicants who can demonstrate income using alternative options like:

✅ BAS statements

✅ Business bank statements

✅ Accountant’s declarations

Other benefits these lenders offer;

✅ Consolidation of Business Loans under a residential mortgage
✅ Consolidation of ATO debt under a residential mortgage
✅ Access to lower assessment rate buffers ( Greater servicing ability )

Recent Success Story:

We recently helped a self-employed client who’d only been trading for 18 months. She didn’t have two full financial years yet but had solid turnover. Using her BAS statements, we secured her an 80% LVR investment loan… with no headaches and a fast approval.

Click below to watch the video and learn more;