Loan-me.com - Non-conforming Loans

Whatever is your situation, Loan-Me may be able to find you a non-conforming loan to suit your individual financial situation.

Loan-Me can offer you a greater variety of non-conforming loan products from a wide range of Australian lenders. Our trained staff will assess your particular situation so we then can find the product best suited to you and your individual situation. We will source the loan with the lowest possible interest rate for your particular situation. Let Loan-Me find you a non-conforming loan tailored perfectly to suit your situation.

We know that just because you may not meet the normal, traditional, lending requirements, or their criteria, it shouldn’t mean you should miss out on the same loan opportunities that are available to every other Australian.

Our experience enables us to seek numerous loan products and plans , so we will be able to find you the best rate available.

Contacting us is easy and should only take roughly 15 minutes. For a 15 minute phone consultation email Loan-Me .com

This is a ideal loan for the self-employed. Many traditional lenders are generally very uncomfortable with giving finance to the self-employed... regardless of their earnings. This loan allows you to apply without substantiating your income, although you are often required to certify your ability to be meet repayments, usually with an accountant’s verification statement.

A Low Doc P.A.Y.G Loan

This loan helps people in business who earn P.A.Y.G as well as additional income relating to their job that they are unable to substantiate. The best example of this... trades people who do additional jobs in their own time. The money made from these additional jobs can amount to a large substantial increase in their income but it may not be able to substantiate it. If this applies to you, a Low Doc P.A.Y.G Loan could be the one for you.

A Line of Credit Loan

This is if you can manage your finances well, a Line of Credit Loan could be for you. This is otherwise known as a Home Equity Loan, it allows you to borrow against the accumulated wealth (equity) in your home giving you access to a line of credit facility. The loan amount of this facility is generally determined by the value of your home...also known as security.

This particular loan provides maximum privacy for the borrower as you are not required to provide any income, assets or liabilities details. This is loan that is unregulated and designed purely for business or investment purposes.

Generally if you have a poor credit history, trying to get a loan or finance can be near impossible, the solution for this can come through debt consolidation and refinancing. A Line of Credit Loan has access to a variety of financial products designed to help people with an impaired credit history, ranging anywhere from paid / unpaid arrears to even bankruptcy. The interest rate will depend on the level of your credit impairment.

This is a well designed loan for those with a good credit history but who fail to meet the traditional LMI ( Lenders Mortgage Insurance ) requirements. Despite having a good credit history your ability to obtain finance is hindered by your unique individual financial position. This could include:

So if you have been self employed for less than 12 months then this loan is designed to help you. If you fall into this particular category it is more likely you will have not yet established a stable income or taxation history, thus making and obtaining finance for you difficult. This loan will enable you to obtain finance if you are in this situation. However it is required that the borrower certify their income with an accountant’s verification statement.

If you are unsure of the loan that you require please contact us and we can help to assess your unique situation, to find you the loan that is best suited to you.....