Non Conforming Loans 

Is your work history or credit rating less than perfect? Maybe you’re self employed, work in a ‘risk industry’, are divorced or an immigrant with no credit rating?  Perhaps you’re just a little older (over 55), have no deposit or even had a loan application knocked back? Don’t despair!

Naritas are recognised leaders when it comes to arranging non-conforming loans from specialist lenders. You’ll pay a little more interest to cover the extra risk factor, sometimes you’ll pay no less than the standard rate. But it could be “Open Sesame” to a good credit rating and refinancing to a cheaper, regular loan. Talk to us about your needs. No cost. No obligation. We can help if you are in any one of the following situations: 

• A non-resident Australian
• Rejected by previous lenders Bad Credit rating
• Cannot substantiate sufficient serviceability of a loan
• Currently or recently discharged bankrupt
• Employed for a short period of time
• Have an impaired credit history
• Have had previous loan defaults
• Have just started in business and need initial loan funding
• Incomplete or no tax returns
• Irregular employment history
• Irregular income
• Large number of debts to consolidate
• Limited savings history
• No savings history
• Need to borrow up to 90% of property value
• Not completed most recent Tax Returns
• Pensioner
• Reliant on Centrelink income
• Receive part of your income in cash
• Recently arrived in Australia
• Self-employed
• Under 2 years of profitable trading history