Compare Rates & Get Matched Beyond the Banks
Compare rates and get matched with specialist and non-bank lenders based on your borrowing profile—all in one smart search, before you apply. Designed for self-employed borrowers, credit challenges and more complex financial situations.
Powered by Scenario Match
- Secure & Encrypted
- No impact on your credit score from searching
- Private until you choose to connect
- Compare before you apply
Live Rates
Non-Conforming Lender Snapshot
Pepper Money
Comparison rate 6.92% p.a.*
Liberty Financial
Comparison rate 6.86% p.a.*
Resimac
Comparison rate 6.96% p.a.*
La Trobe Financial
Comparison rate 6.95% p.a.*
Bluestone Home Loans
Comparison rate 7.05% p.a.*
RedZed
Comparison rate 7.29% p.a.*
Firstmac
Comparison rate 6.49% p.a.*
Thinktank
Comparison rate 7.49% p.a.*
Better Mortgage Mgmt
Comparison rate 7.21% p.a.*
MA Money
Comparison rate 6.7% p.a.*
ORDE Financial
Comparison rate 6.77% p.a.*
Athena Home Loans
Comparison rate 6.35% p.a.*
* Comparison rate based on a 25-year loan of $150,000. Rates are indicative only and sourced from publicly available lender information. They may not reflect current offerings. Always verify directly with the lender before applying. 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 · Scenario Match
See Which Lenders Match Your Scenario
Answer five quick questions and Scenario Match shows the specialist lenders that historically operate in scenarios like yours — with an indicative likelihood and a typical rate range. Takes 2 minutes.
- See which lenders match your scenario
- Indicative likelihood and rate range
- No name or contact details required
- General information only — not personal advice
Scenario Match Results
General IndicatorWhy you'd match
- Self-employed income accepted (alt-doc)
- Strong deposit position
- Aligned with published lender criteria
General indicator only. Not a credit assessment.
Understand Your Options
Before You Apply
Compare non-conforming lenders, match your scenario to specialist lenders, and explore what lenders typically look for — all in one place, for free.
General information only. Not personal credit advice. Read disclaimer.