Compare Non-Conforming
Home Loans in Australia
Bad credit, self-employed, or complex income? Explore lender options and understand what they typically look for — before you apply.
Live Rates
Non-Conforming Lender Snapshot
Pepper Money
Comparison rate 6.52% p.a.*
Liberty Financial
Comparison rate 6.74% p.a.*
Resimac
Comparison rate 6.91% p.a.*
* Comparison rate based on a 25-year loan of $150,000. Rates are indicative only. Always verify with the lender. We may receive commissions. How we make money.
Simple Process
How GoSearch.Loans Works
We sit before the broker conversation. Users understand their position before they ever pick up the phone.
Set Your Profile
Enter your loan amount, income type, credit profile, and deposit. Takes 30 seconds.
Compare Options
See non-conforming lenders in your space — with rates, features, and context tags.
Connect with a Lender
Click through directly or submit an enquiry. We route you to the right partner.
Built For You
Outside the Standard Box?
Non-conforming lenders are designed for borrowers the major banks can't easily assess. If your situation is complex, you're in the right place.
Credit-Impaired Borrowers
Defaults, missed payments, or a patchy credit history don't automatically disqualify you. Non-conforming lenders assess the full picture.
Learn more →Self-Employed & Low Doc
Less than 2 years of tax returns? ABN under 2 years? Alt-doc lenders accept BAS statements and bank statements as income proof.
Learn more →FIFO & Variable Income
Roster-based income, overtime, and allowances assessed by lenders who understand how FIFO workers earn.
Learn more →Free Tool
See Where You Stand Before You Apply
Our Borrower Readiness Score gives you a general picture of how lenders might view your profile — across income, credit, deposit, and risk factors. Takes 2 minutes.
- Understand your relative position
- See which factors affect your profile
- No credit check required
- General information only — not personal advice
Borrower Readiness Score
General IndicatorGeneral indicator only. Not a credit assessment.
Why Non-Conforming First
The Smarter Niche
Less competition. Higher intent. Complex borrowers actively searching for solutions — not casual rate browsers.
vs major bank comparison channels
CPL value per non-conforming lead
Borrowers actively seeking solutions
Non-bank lenders open to partnerships
Understand Your Options
Before You Apply
Compare non-conforming lenders, check your readiness score, and explore what lenders typically look for — all in one place, for free.
General information only. Not personal credit advice. Read disclaimer.