Specialist Lending
The lending market is built around straightforward applications. Consistent salary, two years of tax returns, clean credit history. If your situation looks different on paper, most lenders will decline before they understand the full picture.
We work with low doc applicants, borrowers with adverse credit, non-standard employment situations and complex property purchases to find lenders who assess applications on their actual merits, not just their surface appearance.
Most lenders who decline a complex application do so because it does not fit their automated assessment criteria, not because the borrower is not creditworthy. A contractor with consistent income, someone with a minor credit issue from years ago or a buyer purchasing an unusual property type can all be viable borrowers in the right lender's hands.
Knowing which lenders those are, what they need to see and how to present your application in the strongest possible light is exactly where an experienced specialist mortgage broker changes the outcome.
A Declined Application Is Not Always the Final Answer
Specialist Lending Scenarios We Can Help With
Beyond low doc lending, we also help borrowers with:
Non-standard employment including contractors, casual workers and those recently returned from parental leave
Adverse credit history including defaults, judgements and prior bankruptcies depending on the age and nature of the issue
Unusual property types including rural, high density, small apartments and properties with commercial components
Non-resident and expat lending for Australian citizens living or working overseas
Bridging loans for buyers who need to purchase before their existing property settles
Debt consolidation for borrowers with multiple liabilities affecting their serviceability
If your situation does not fit the standard mould, tell us what you are working with and we will tell you honestly what is possible.
LMI Waivers for Professionals and Complex Borrowers
Most borrowers assume lenders mortgage insurance is unavoidable if their deposit is below 20%. In some situations it is not.
Certain lenders offer LMI waivers to borrowers in specific professions, typically medicine, dentistry, law, accounting, engineering and other high-income professional roles, regardless of their deposit size. This means a doctor or solicitor with a 10% deposit can potentially borrow without paying lenders mortgage insurance at all.
LMI waivers are also available through the First Home Guarantee scheme for eligible first home buyers and through family guarantee arrangements where a parent provides security.
If you think you may qualify for an LMI waiver, we will check your eligibility across our full lender panel and make sure you are not paying a cost you do not need to.
A low doc home loan is designed for borrowers who cannot provide the standard two years of tax returns and financial statements that most lenders require. Instead of full income documentation, lenders accept alternative verification such as business activity statements, an accountant's declaration or bank statements showing business revenue.
Low doc loans typically come with a higher interest rate and a lower maximum loan to value ratio than standard loans, but they provide a genuine path into the market for borrowers whose income is real but difficult to document in a conventional way. We will be upfront with you about the trade-offs and make sure any low doc loan we recommend is genuinely the right fit for your situation.
Low Doc Home Loans Explained
We are a locally owned mortgage broker based in Berry. We do not turn away applications because they are complicated. Complex applications are where an experienced broker adds the most value, and it is a part of what we do that we take genuine pride in.
We also take a long-term view. Many of our specialist lending clients come back two or three years later once their financials have stabilised, ready for a mainstream loan at a better rate. We plan for that from the first conversation.
Why Complex Borrowers Choose Shorebreak Finance
Relationships that speak for themselves
“Ron and his team have been incredibly efficient and so easy to deal with. We had our loan approved in less than 2 weeks from start to finish and the money is already in our account from the bank. The process was simple and streamlined. Nothing was a hassle. Thanks so much Ron and team! I can't recommend these guys enough!”
— Jess R.
“Ron and Josie and the team are Shorebreak have really been excellent throughout my property buying process. They are really genuine, get things done fast and are always quick and easy to communicate with. They got me a great result with my loan. Highly recommend.”
— Reinaldo C.
“I would like to commend Chris on all his hard work and effort making this loan possible for me. He went above and beyond to help in every way he could and I am very grateful. He kept me informed every step of the way and made the process as smooth as possible. 5 stars would not be enough for the magnificent job he did. I would recommend Chris 100% anytime.”
— Ivanka P.
Not Sure if Your Situation is Lendable? Let's Have a Coffee
Bring whatever you have and we will give you an honest assessment of where you stand and what your options look like. No judgement, no pressure.
