Specialist Loan

Fast and reliable specialist loans

Have you found a property you love but your accountant just can’t get your tax returns ready in time? Perhaps you earn a good income, but just can’t quite prove it to the bank? Are you being told no by the banks because of your bad credit history? A specialist loan may be suitable for you to get you over the line and help you borrow when you need it most. We know when a specialist loan is required and can help you navigate the myriad of options in alternative documentation and credit impaired lending.

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Alternative loan options for when the bank can’t approve your loan

What are the main ways I can verify income under a specialist loan?

Methods of verification can include:

  • Last 6 – 12 months Business Activity Statements
  • Last 6 – 12 months Business Transaction Account History
  • Self-declared Income Declarations
  • Accountant-declared Income Verification
Are the rates any difference under a specialist loan and by how much?

The rates on a specialist loan are usually 1.0 – 3.0% higher depending on the purpose of the loan (owner occupied or investment), the Loan to Value Ratio, and the degree of credit impairment. The more risk presented to the lender, the higher the interest rate that applies.


Need professional advice on Specialist Lending? These are experts to get in touch with.