Non-bank and Low Doc
What we do
We find options when you sit outside main bank criteria.
We work across a panel of non-bank and low-doc lenders most borrowers never hear about, and know which ones suit which situation. For self-employed income, bank declines, time-sensitive deals, or income that can’t be verified the standard way, non-bank and low-doc lenders are often the right answer.
Review your situation
We look at your full situation before recommending any action. That means understanding why the main bank isn’t an option, what type of non-bank or low-doc lender fits, and whether the numbers make sense for what you’re trying to do. We tell you honestly whether non-bank is the right path.
Find the right lender
We match your situation to the lender whose criteria actually fits. Each non-bank and low-doc lender has different appetite — some specialise in self-employed income, some in bank declines, some move fast when timing matters. We identify the right one before anything is submitted.
Run the application
We manage the non-bank application end to end. Documentation requirements vary between lenders — for low-doc situations that might mean bank statements and an accountant declaration rather than two years of financials. We handle the submission and lender communication so you’re not navigating an unfamiliar process.
Plan the exit
We structure non-bank lending with the end in mind. For most clients the goal is to move back to a main bank once the situation improves. We plan for that from the start, stay in touch as things change, and handle the move when the time is right.
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Non bank/low doc
Frequently asked questions
What is a non-bank lender?
A non-bank lender is a financial institution that provides mortgages but isn’t a registered bank. They operate under different criteria, often with more flexibility around income verification, credit history and loan structure.
Will I pay more with a non-bank lender?
Usually yes. Non-bank rates are higher than main bank rates, and how much higher depends on the lender and your situation. We’re upfront about the cost and only recommend non-bank lending when the numbers make sense for what you’re trying to achieve.
What's low doc lending?
Low doc lending is for borrowers who can’t provide the standard income documentation banks require, typically self-employed people or those with complex income structures. Instead of two years of financials, lenders may accept bank statements, accountant declarations, or signed income declarations. The income still needs to be real. It just needs to be verified differently.
My bank has declined me. Does that mean I'm stuck?
Not necessarily. A decline from your main bank reflects their criteria and appetite — other lenders may assess the same situation differently. We look at why the decline happened and which lenders are likely to see it differently. It’s worth a conversation before writing anything off.
Can I move to a main bank later?
Often yes. For many clients non-bank lending is a bridge — a way to get into a position where main bank lending becomes possible. We structure it with that in mind from the start and follow up when the time is right to make the move.
Let’s Chat
Start with a Conversation.
The easiest way is a chat. Tell us where you are and what you want to do, and we’ll come back honestly on whether we can help and what the path looks like.
We reply within one business day. Your details are private and used only to respond to your enquiry.