Specialist lending covers finance products outside mainstream bank criteria, including low-doc, non-conforming, SMSF, and private funding. Private lenders are non-bank funders who assess deals individually, often with faster turnaround and greater flexibility on security and income documentation.

Self-employed borrowers with complex financials, borrowers with credit impairment, property investors with large portfolios, and buyers with time-sensitive settlements that can't wait on bank timelines. If you've been declined by a major bank, specialist lenders are often the next step.

Private and specialist rates are generally higher than standard bank rates, reflecting the additional risk and flexibility. However, the total cost depends on the loan term, purpose, and exit strategy. For short-term bridging or complex transactions, the cost is often justified by the speed and certainty of funding.

A self-managed super fund can borrow to purchase investment property under a Limited Recourse Borrowing Arrangement (LRBA). The property is held in a bare trust until the loan is repaid. This is a regulated area with strict compliance requirements. We work with your accountant and SMSF trustee to structure it correctly.

Typically: 12 to 24 months of business bank statements, a self-certification of income, ABN registration of 1 to 2 years, and GST registration. Some lenders also accept BAS statements or an accountant's declaration in lieu of tax returns.