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What is a Non-Conforming Loan?

A non-conforming home loan fails to meet the standard lending criteria of a bank or a mainstream lender of funds. Failing to conform to standard criteria can create significant problems for borrowers.

Reasons can include:

  • The amount is higher than the standard lending limit for that specific type of loan
  • Lack of adequate credit character (e.g. previous history of defaulting on loans, not paying back debts, bankruptcy, etc.)
  • The nature of the use of the funds or the security securing the loan is unorthodox or unusual.

With access to over 450 lenders looking to lend money for property based transactions, GCC Home Loans can help, even with bad credit home loans for owner occupied and investment properties. 

Types of Non-Conforming Loans we can help with:

  • Existing Arrears
  • Tax Debts
  • Judgement
  • Late existing payments
  • Ex-bankrupt borrowing
  • Poor credit history
  • Bad credit home loans
  • Paid and unpaid defaults

GCC Home Loans have helped thousands of Australians secure non-conforming loans, helping them secure millions of dollars in funding – despite challenging circumstances.

If you are looking for a unique or unorthodox home loan, reach out to our team at GCC Home Loans, who will help you to evaluate your options – fast.

non conforming home loans and low doc finance

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