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Having difficulty getting a loan?

Not everyone has a sound financial record, perfect credit history, or an enormous cash deposit at their disposal. Furthermore, lenders can tend to frown on applicants who are self-employed, over 55, a recent immigrant to Australia, or working on a contract or seasonal basis.

However, the good news is that there are now a number of specialised lenders offering mortgage products tailored to suit so called “non-conforming borrowers”.

These lenders assess applications very differently from the mainstream lenders. They do not automatically discount an application if a borrower has previously been declared bankrupt or has a tumultuous financial history. Because the risk is deemed higher than standard home loans, non conforming loans do come at a premium interest rate.

Your Smartline Mortgage Broker will knows which lenders apply which rules, and guide you to the lender who will view your application most favourably.

Your Smartline Mortgage Broker will put your loan application together and follow it through with the lender right through to settlement.

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