Rural, mixed-use, industrial, serviced apartments — some properties don't fit standard lending criteria. We know the lenders who are built for complexity.
If a lender's system can't categorise the property in three seconds, they usually decline. That's fine for them — it's not fine for you. Non-standard properties can be excellent investments and legitimate business assets. The problem isn't the property; it's the lender.
We work with specialist non-bank lenders and second-tier banks who are set up to assess these deals properly. They look at the asset, the location, the income, and the borrower — not just whether a dropdown menu fits.
We'll tell you upfront whether a deal is financeable and which lenders are likely to be interested. No point wasting time and credit enquiries on applications that aren't going anywhere.
Our lender panel includes funders who specifically focus on non-standard and complex property types. They exist precisely for these situations.
If a deal isn't doable, we'll tell you — and explain why. No running you through a process that ends in a knock-back and a mark on your credit file.
Non-standard is our normal. Here are some of the property types we regularly help finance.
Properties over 2 hectares, hobby farms, and rural residential blocks often fall outside mainstream lending. We know lenders who are comfortable with larger land sizes and rural locations.
Light and heavy industrial properties, warehouses, and storage facilities. Lenders vary enormously in appetite for industrial — we know which ones are genuinely competitive.
Part residential, part commercial — mixed-use properties are tricky for standard lenders because they don't fit neatly into one category. Specialist lenders will consider these on a case-by-case basis.
Properties managed through letting pools or holiday rental schemes are treated differently by lenders — income is viewed as less reliable. We know how to find lenders who'll look at these sensibly.
Studio apartments under 40sqm, student accommodation, properties in buildings with high investor ratios — standard lenders often decline. There are alternatives.
If you're not sure whether your property fits into any standard category, just ask. We've probably come across it before — and if we haven't, we'll tell you honestly what we think.
The more complex the property, the more important it is to have someone who knows the market.
What it is, where it is, how it's used, what the income picture looks like, and what you're trying to achieve. The more detail, the better — non-standard deals need a strong case built upfront.
We work out which lenders will genuinely consider the property, at what LVR, and on what terms. We won't send you to lenders who'll reject you — we target the ones likely to say yes.
Non-standard applications often need more supporting material — property reports, income evidence, valuations. We know what's needed and manage the whole process through to settlement.
Straight answers for situations that aren't straight forward.
Banks use automated systems to assess property risk. If the property doesn't match a standard template — size, zoning, use type, location — the system flags it as non-conforming and the application dies. It's not a reflection of the quality of the asset or your creditworthiness. It's a system limitation. Non-bank lenders and specialist funders review these deals with actual humans who understand the nuance.
Often yes — specialist lenders price in the additional complexity. But the alternative is not being able to finance the property at all, or going through a bank and being knocked back. In our experience, once clients understand the total cost and the deal structure, the rate premium is worth it. We'll always give you a clear comparison so you can make an informed call.
Yes, though it depends heavily on the location, land size, and what's on the property. Postcode restrictions and land size thresholds are the two most common sticking points with mainstream lenders. Specialist rural lenders assess these deals differently and will generally look at the property's income-producing capacity and the borrower's overall position rather than just the postcode.
It varies by property type and lender — but generally lower than for standard residential. Rural properties might attract 60–70% LVR. Industrial and mixed-use might be 60–65%. Some specialist lenders can go higher for strong deals with good income evidence. We'll give you realistic LVR expectations before you start the process, so there are no surprises at valuation time.
Tell us about the property and your situation. We'll give you an honest read on what's possible — and if it can be done, we'll find the right lender to do it.