Non-Conforming Home Loans

Failure to comply with home loans allows anyone not meeting mainstream lenders' credit criteria to secure domestic financing.

Non-compliant home lending is much more flexible than before and is available as a variable, fixed, or split-rate lending. It has many features, such as offset accounts typical of a traditional loan. The interest rate and charges for non-compliant home loans could be slightly higher, so talk to our mortgage specialist.


Failure to comply with loans is also a great way to repair your credit rating. Some lenders will let you refinance to a more traditional home loan after a specific time showing a good history of repayment.

Consider a non-conforming loan if you are:

  • Deficiencies in credit
  • Self-employed persons
  • Non-resident Non Resident
  • New Customer
  • Safety-disabled
  • A low or no deposit 
  • Casual or seasonal employee 
  • Older debtor 

 To assess your necessities and to negotiate a competitive deal, talk to your BuildME mortgage adviser.