Investment Property Finance
Non-Bank Investment Property Finance
In today’s dynamic real estate market, traditional banking solutions aren’t always the best fit for every investor. Non-bank lenders have become a popular alternative for securing investment property finance, offering more flexible and tailored solutions for borrowers who may not meet conventional lending criteria. Whether you’re an investor with fluctuating income, limited documentation, or looking for competitive terms, non-bank lenders can provide an efficient path to finance.
What is Non-Bank Investment Property Finance?
Non-bank lenders are financial institutions that offer mortgages but don’t always have to operate under the same regulatory frameworks as traditional banks. This allows them to offer a wider range of lending options, focusing on borrowers who may need more flexible terms. Non-bank lenders cater to a variety of needs, from those with complex income structures to those looking to refinance or purchase new investment properties.
Types of Non-Bank Mortgages:
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Prime Mortgages Prime mortgages from non-bank lenders are often offered to borrowers who can meet certain documentation
requirements but are seeking better terms or more customised options than what traditional banks provide. These loans are typically up to a
maximum of 30 years and are available to those with strong credit histories and sufficient documentation. Prime mortgages from non-bank
lenders are appealing to investors who value the speed and flexibility that non-bank institutions can offer, without compromising on rates
or terms.
- Ideal for: Investors with stable financials and a strong credit profile.
- Advantages: Competitive interest rates, customisable loan features, fewer rigid requirements than traditional banks and flexible approval criteria.
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Low-Doc Mortgages Low-Doc (Low Documentation) mortgages are designed for borrowers who may not have access to the full
range of documentation that traditional lenders require, such as 2 years of financial accounts or tax returns. This option is particularly
appealing to self-employed individuals, freelancers, or investors with multiple income streams. Instead of extensive paperwork, lenders
may accept alternative documentation, such as bank statements, GST returns or accountant declarations to verify income.
- Ideal for: Investors with non-traditional income verification.
- Advantages: Competitive interest rates, customisable loan features, fewer rigid requirements than traditional banks and flexible approval criteria.
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No-Doc Mortgages No-Doc (No Documentation) mortgages take things a step further by not requiring any formal
documentation of income. These loans are typically asset-based, meaning the lender places more emphasis on the value of the property
being financed and the borrower’s credit history, rather than income verification. No-Doc loans are suited to investors who may have
substantial assets but are unable or unwilling to provide financial documentation.
- Ideal for: Investors with strong assets or equity but limited or complex financial records.
- Advantages: Simplified approval process, fast access to capital.
Why Choose Non-Bank Finance?
Non-bank lenders can often make decisions faster and with more flexibility than traditional banks. They focus on the bigger picture, considering the individual circumstances of each borrower rather than adhering to strict guidelines that often feel like you are being put into a box. For investors who may not fit the mould of conventional lending, non-bank finance can offer a streamlined, customised, and accessible solution, enabling you to move forward with your property investment plans.
Ready to explore your options?
If you're looking for a flexible, fast, and tailored solution to finance your investment property, we’re here to help. Contact us today to discuss your needs, and let’s find the right mortgage solution for your next investment.
Don’t wait—call us now and secure the funding you need to move forward in confidence with your investment property!