Directory
Non-Conforming Lender Directory
Explore specialist lenders that operate across different borrower scenarios in Australia. General information only — not a recommendation.
Pepper Money
From 6.74% p.a.
One of Australia's leading non-bank lenders, Pepper Money specialises in home loans for borrowers who may not meet the standard lending criteria of major banks.
Liberty Financial
From 6.59% p.a.
Liberty Financial has been helping Australians access home loans since 1997. They offer a wide range of products for self-employed, FIFO workers, and borrowers with non-standard income documentation.
Resimac
From 6.89% p.a.
Resimac is an established non-bank lender offering specialist home loan products across Australia.
La Trobe Financial
From 6.69% p.a.
La Trobe Financial is one of Australia's largest non-bank lenders and fund managers.
Bluestone Home Loans
From 6.84% p.a.
Bluestone specialises in providing home loans to borrowers who have been turned away by traditional lenders.
RedZed
From 6.92% p.a.
RedZed is a specialist self-employed lender that understands the unique income structures of small business owners.
Firstmac
From 6.43% p.a.
Firstmac is one of Australia's largest non-bank lenders, offering competitive rates for both PAYG and self-employed borrowers.
Thinktank
From 7.14% p.a.
Thinktank specialises in commercial and residential property finance for self-employed borrowers.
Better Mortgage Mgmt
From 6.75% p.a.
Better Mortgage Management offers specialist lending solutions across Australia, including regional areas.
MA Money
From 6.50% p.a.
MA Money (formerly MKM Capital) offers flexible near-prime and specialist home loans, with alt-doc options for self-employed borrowers.
ORDE Financial
From 6.50% p.a.
ORDE Financial offers a broad prime-to-specialist range, with strong appetite for self-employed and contractor income and higher LVRs.
Athena Home Loans
From 6.24% p.a.
Athena is a digital non-bank lender offering fee-free home loans with rates that automatically drop as you build equity. A strong option for refinancers and buyers with clean profiles seeking a fast online experience.
This directory provides general information only. Inclusion does not constitute a recommendation. Our panel is limited to selected lender partners. Always verify information directly with the lender.