Non Bank lending solutions when your bank says no!
Non Bank lending, Home Loans, Rental Investments and Personal Loan solutions when your Bank says NO, including low deposit, shared or co-ownership, bad credit, self-employed income or complex incomes.
Non Bank lenders can help with low deposit home loans, this can even be with a deposit less than 20%. Low deposit home loans give you the opportunity to live in your own home, despite the new post Covid-19 Bank criteria, which continues to limit support for first home buyers with low deposits. A good employment record and credit history always assist with lenders, but non bank lenders are often more open minded and understand your personal circumstances better.
We also specialise in Non Bank financing for spec builds, 80% rental investments or those wanting to apply for a bad credit home loan. Refinancing and debt consolidation are also a common request, also clients needing top ups and bridging finance.
Another exciting new opportunity is co-ownership from as little as a 5% deposit! Shared or co-ownership is the purchasing of a first home between buyers and a business partner, sometimes requiring as little as 5% deposit from buyers.
We always looking for new ways to say “Yes” rather than “No”.
The 80% rental investment option can be on a stand alone basis or if you choose to refinance both your home loan and a rental rates can be under 3%! Terms and conditions are stricter for such a low rate, but it is proving very attractive to investors who wish to use equity in their own homes.
Has your Bank or Broker said no to your lending application? We work with Non Bank lenders that assess each loan proposal on its merits, Home Loans, Rentals, Refinancing, Debt Consolidation and now we can also offer online applications for Personal Loans.
If you have a low mortgage deposit, require 80% finance on a rental investment, or circumstances that just do not seem to work for your Bank, it costs nothing to chat with us. If you are not getting the answers you want for your home loan, because of a low deposit, insufficient savings, part-gifted deposit or too much short term debt, then contact us for a second opinion.
If you are not a home owner yet, we are now able to help New Zealanders with their personal and vehicle finance needs. We have partnered with One Partner to refer you to for help with Personal Loans for Cars, Cash & Choices. Apply online now!