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NON-CONFORMING LOANS

What Is a Non-Conforming Loan?

A non-conforming loan (also called a specialist loan or alternative loan) is a home loan designed for borrowers who don’t meet the standard lending criteria of mainstream banks and lenders. While traditional lenders follow strict policies around income verification, credit history, and employment type, non-conforming lenders take a more flexible, common-sense approach – assessing your overall financial situation and ability to repay rather than rigidly applying standard criteria.

These loans provide genuine pathways to home ownership or investment for people with unique circumstances that don’t fit the traditional lending box.

When Might You Need a Non-Conforming Loan?

Non-conforming loans are ideal if you:

  • Are self-employed or run a business: You have strong income but can't provide traditional payslips or employment letters, or your taxable income appears lower due to legitimate business deductions.
  • Have a less-than-perfect credit history: You've experienced past credit issues such as defaults, bankruptcy, or missed payments, but your financial situation has now improved.
  • Have complex or non-traditional income: Your income comes from multiple sources, contract work, commissions, overseas employment, or investments that traditional lenders struggle to assess.
  • Are a new business owner: You've recently started a business and don't have the two years of financials that mainstream lenders typically require.
  • Have had a recent adverse event: You've experienced divorce, illness, job loss, or other life circumstances that temporarily impacted your credit but are now back on track.
  • Are a foreign national or temporary resident: You're working in Australia on a temporary visa or are an expat with limited Australian credit history.
  • Need to borrow at higher LVR: You need to borrow more than 80-90% of the property value and don't qualify for standard LMI.
  • Have unique property types: You're purchasing properties that mainstream lenders consider non-standard, such as serviced apartments, properties on large acreage, or unusual constructions.
  • Are recently discharged from bankruptcy: You've been discharged from bankruptcy within the past 2-3 years and are rebuilding your financial position.

Key Advantages of Non-Conforming Loans

  • Access when mainstream lenders say no: Secure finance even when traditional banks decline your application, opening doors that would otherwise remain closed.
  • Flexible income assessment: Lenders consider your actual ability to repay rather than just strict documentation requirements, recognising real-world financial situations.
  • Credit impairment accepted: Past credit issues don't automatically disqualify you - lenders focus on your current situation and future capacity.
  • Path to home ownership: Buy your first home or investment property even with circumstances that don't fit traditional lending criteria.
  • Build or rebuild credit: Successfully managing a non-conforming loan demonstrates creditworthiness and can help you refinance to mainstream lending in the future.
  • Business-friendly assessment: Self-employed borrowers can use alternative income verification methods like BAS statements, accountant declarations, or bank statements.
  • Bridge to mainstream lending: Use a non-conforming loan short-term while you improve your credit, build trading history, or resolve temporary issues.
  • Specialised property acceptance: Purchase properties that mainstream lenders reject, including unique homes, rural properties, or properties with commercial elements.
key-advantages-of-non-conforming-loans

How Non-Conforming Loans Work

Non-conforming lenders take a different approach to assessing your application:

Traditional Lender Approach

  • Strict credit score requirements
  • Minimum two years tax returns for self-employed
  • No defaults or adverse credit events
  • Standard employment types only
  • Property must meet strict criteria
  • Computer-driven automated decisions

Non-Conforming Lender Approach

  • Holistic assessment of your situation
  • Flexible income verification options
  • Credit issues considered in context
  • All employment types considered
  • Wider range of acceptable properties
  • Human assessment and common-sense decisions

Income Verification Methods

Non-conforming lenders accept various ways to verify your income:

for-self-employed-borrowers

For Self-Employed Borrowers:

  • Low-doc/Alt-doc loans: Accountant's letter or declaration confirming income
  • Bank statement loans: 3-12 months of business bank statements showing cash flow
  • BAS statements: Business Activity Statements demonstrating trading activity
  • Asset-based lending: Loan based on property value and equity rather than income
  • ABN and GST registration: Evidence of legitimate business operation
  • Single year tax returns: Some lenders accept just one year for established businesses

For Employees with Complex Income:

  • Combination of employment and self-employment income
  • Commission-based income with shorter history
  • Contract or casual work with consistent patterns
  • Overseas income verified through foreign payslips or contracts
  • Investment income from shares, property, or other assets
for-employees-with-complex-income

Credit Impairment Accepted

Non-conforming lenders consider various credit issues that would typically result in mainstream rejections:

Minor Credit Issues

  • Paid defaults under $1,000
  • Telecommunication or utility defaults
  • Late payments on credit cards or loans
  • Multiple credit enquiries

Moderate Credit Issues

  • Unpaid defaults under $5,000
  • Court judgments (paid or unpaid)
  • Part IX Debt Agreements
  • Multiple defaults across different creditors

Serious Credit Issues

  • Discharged bankruptcy (1-3 years ago)
  • Larger unpaid defaults
  • Multiple court judgments
  • Recent mortgage arrears or repossession

Very Serious Issues (Specialist Lenders Only)

  • Recently discharged bankruptcy (under 12 months)
  • Current bankruptcy (in some rare cases)
  • Second bankruptcy
  • Significant unpaid defaults

The key factor is demonstrating that your circumstances have improved and you can now service the loan comfortably.

Types of Non-Conforming Loans

Low-Doc/Alt-Doc Loans

For self-employed borrowers who can't provide full tax returns. Income verified through accountant declarations, BAS statements, or business bank statements.

Credit-Impaired Loans

For borrowers with past credit issues now resolved or improving. Focus on current capacity to repay rather than past mistakes.

Bank Statement Loans

Income assessed based on 3-12 months of bank statements showing regular deposits and cash flow, rather than traditional income documentation.

Asset-Based Loans

Lending decision based primarily on property value and equity rather than income. Suitable for asset-rich, income-poor situations.

Foreign Income Loans

For borrowers earning income overseas or expats working in Australia. Income verified through foreign payslips, contracts, and bank statements.

Near-Prime Loans

For borrowers who almost meet mainstream criteria but fall slightly short - perhaps minor credit issues or slightly lower deposit.

Bridging and Short-Term Solutions

Short-term finance while you resolve issues and qualify for mainstream refinancing (typically 1-2 years).

Interest Rates and Costs

Non-conforming loans typically cost more than standard home loans, reflecting the higher risk lenders accept:

Interest Rates:

  • Near-prime: 1-2% above standard rates
  • Standard non-conforming: 2-4% above standard rates
  • Credit-impaired or complex: 4-7% above standard rates

Comparison:

  • Standard home loan: 6-7% p.a.
  • Non-conforming loan: 9-13% p.a.
  • Personal loan: 10-15% p.a.
  • Credit card: 15-25% p.a.

While higher than mainstream rates, non-conforming loans are still significantly cheaper than unsecured alternatives and provide access to home ownership.

Fees:

  • Application/establishment fees: $600-$1,500 (higher than standard loans)
  • Valuation fees: $300-$800
  • Lender's Mortgage Insurance (LMI): Higher premiums than mainstream LMI if required
  • Monthly account fees: $10-$30
  • Early exit fees: Some lenders charge exit fees if you refinance within 1-3 years
  • Ongoing fees: Annual package fees of $300-$600 in some cases

Deposit and LVR Requirements

Non-conforming lenders typically require larger deposits than mainstream lenders:

Minimum Deposits:

  • Near-prime borrowers: 10-15% deposit (85-90% LVR)
  • Self-employed with good credit: 15-20% deposit (80-85% LVR)
  • Credit-impaired: 20-30% deposit (70-80% LVR)
  • Severe credit issues: 30-40% deposit (60-70% LVR)
  • Asset-based lending: Up to 50% deposit (50% LVR)

The more complex your situation or credit history, the higher the deposit requirement. However, this is still achievable compared to saving 100% to buy without finance.

deposi- and-lvr-requirements

Loan Features

Non-conforming loans often have fewer features than standard home loans:

Commonly Available

  • Interest-only options
  • Redraw facilities (on some products)
  • Variable interest rates
  • Principal and interest or interest-only repayments
  • Ability to make extra repayments

Less Common

  • Offset accounts (rarely available)
  • Fixed rate options (limited)
  • Package discounts
  • Professional packages
  • Flexible repayment features

The focus is on providing access to finance rather than premium features, though this varies by lender and product.

Example Non-Conforming Loan Scenarios

Scenario 1: Self-Employed with One Year Trading

Borrower Profile
  • Self-employed electrician
  • ABN for 18 months, one year of tax returns
  • Strong bank statements showing $120,000 annual income
  • Good credit history
  • 15% deposit saved
Mainstream Outcome
  • Declined (requires two years tax returns)
Non-Conforming Solution
  • Low-doc loan using accountant declaration and bank statements
  • Interest rate: 8.5% p.a. (vs. 6.5% mainstream)
  • 85% LVR with specialist LMI
  • Plan to refinance to mainstream lender after second year of tax returns

Scenario 2: Credit Impairment Now Resolved

Borrower Profile
  • Full-time employed earning $85,000 p.a.
  • Had three defaults totaling $4,500 from 2 years ago (now paid)
  • Strong employment history (5 years same employer)
  • 25% deposit saved
  • No recent credit issues
Mainstream Outcome
  • Declined (defaults too recent)
Non-Conforming Solution
  • Credit-impaired loan at 9.5% p.a.
  • 75% LVR
  • Clear exit strategy to refinance after 12-24 months of clean credit
  • Build credit history through successful loan management

Scenario 3: Complex Income Sources

Borrower Profile
  • Part-time employed ($45,000 p.a.)
  • Self-employed consultancy ($35,000 p.a., 8 months trading)
  • Investment property rental income ($18,000 p.a.)
  • Total income: $98,000 p.a.
  • 20% deposit, good credit
Mainstream Outcome
  • Declined (can't verify consultancy income, too new)
Non-Conforming Solution
  • Alt-doc loan considering all income sources
  • Bank statements verify consultancy income
  • Interest rate: 8.2% p.a.
  • 80% LVR
  • Refinance option once consultancy has 2 years trading history

Path to Main stream Lending

Most borrowers don’t stay in non-conforming loans forever. Here’s the typical journey:

1

Secure Non-Conforming Finance (Year 0-1)

  • Obtain approval and purchase property
  • Make all repayments on time
  • Begin building or rebuilding credit history

2

Improve Your Position (Year 1-2)

  • Continue perfect repayment history
  • Build business trading history if self-employed
  • Allow credit defaults to age
  • Increase equity through property appreciation and principal reduction

3

Prepare for Refinance (Year 2)

  • Engage broker to assess mainstream options
  • Ensure all required documentation is prepared
  • Check credit score has improved
  • Get property revalued to assess equity position

4

Refinance to Mainstream (Year 2-3)

  • Apply for mainstream lending
  • Benefit from lower interest rates (potentially saving thousands annually)
  • Access better loan features (offset accounts, packages)
  • Improve ongoing serviceability

Refinancing Savings Example

  • Non-conforming loan: $500,000 at 10% = $50,000 p.a. interest
  • Mainstream refinance: $500,000 at 6.5% = $32,500 p.a. interest
  • Annual saving: $17,500

Things to Consider

Non-conforming loans provide essential access but require careful consideration:

Higher costs

Interest rates are significantly higher, increasing your total loan cost and monthly repayments.

Larger deposits required

You’ll need more upfront savings compared to mainstream lending.

Fewer features

Limited access to offset accounts, package discounts, or advanced features.

Shorter approval validity

Some lenders require settlement within 60-90 days rather than 6 months.

Exit strategies important

Plan how and when you’ll refinance to mainstream lending to minimise time in higher-rate loans.

Documentation still required

“Low-doc” doesn’t mean “no-doc” – you’ll still need to provide evidence of income and identity.

Specialist LMI costs

If required, LMI premiums are higher than mainstream LMI.

Some lenders charge exit fees

Check whether early refinancing incurs penalties.

Tips for Non-Conforming Loan Success

To maximise your chances of approval and successful loan management:
  • Work with specialist brokers: Not all brokers understand non-conforming lending - work with brokers like Crew who are experienced in this space and have relationships with specialist lenders.
  • Be completely honest: Disclose all credit issues, income sources, and circumstances upfront. Lenders conduct thorough checks and dishonesty will result in decline.
  • Prepare thorough documentation: Even though criteria are flexible, lenders still need evidence. Provide comprehensive bank statements, accountant letters, and explanations for credit issues.
  • Demonstrate stability: Show consistent income patterns, stable residence history, and regular savings to demonstrate reliability.
  • Explain credit issues clearly: Provide written explanations for any credit defaults or issues, showing what happened and how your situation has improved.
  • Save a larger deposit: The more deposit you have, the better your interest rate and more lenders you can access.
  • Make all repayments perfectly: Once approved, perfect repayment history is essential for future refinancing opportunities.
  • Have a clear exit strategy: Understand how and when you'll refinance to mainstream lending and work toward meeting those criteria.
  • Build emergency buffers: Keep savings accessible for unexpected expenses so you never miss a repayment.
  • Review regularly: Stay in contact with your broker and review refinancing options annually to ensure you move to better rates as soon as eligible.
tips-for-non-conforming-loan-success

Alternative Income Verification Documents

Depending on your situation, you may provide:

For Self-Employed

  • Accountant's letter or declaration
  • 6-12 months business bank statements
  • Business Activity Statements (BAS)
  • ABN and GST registration certificates
  • Business plan or financial projections
  • Contracts or agreements showing future income
  • One year tax return (instead of two)

For Employees

  • Recent payslips (may accept 1-2 months instead of 3)
  • Employment contract
  • Letter from employer confirming income
  • Bank statements showing salary deposits
  • PAYG payment summaries

For Other Income

  • Rental income: Property management statements
  • Investment income: Portfolio statements, dividend notices
  • Overseas income: Foreign payslips, contracts, bank transfers
  • Trust distributions: Trust statements, accountant confirmations

Who Benefits Most?

Non-conforming loans are particularly valuable for:

  • Self-employed individuals who can't provide two years of tax returns
  • Business owners with new or growing enterprises
  • People rebuilding credit after financial setbacks
  • High-net-worth individuals with complex income structures
  • Contract workers with irregular but substantial income
  • Expats and foreign nationals working in Australia
  • Property investors with multiple income sources
  • Anyone experiencing life transitions (divorce, illness, career change)
who-benefits-most
is-a-Non-Conforming-loan-right-for-you

Is a Non-Conforming Loan Right for You?

A non-conforming loan might be right for you if:

  • You've been declined by mainstream lenders due to credit history or income verification
  • You're self-employed with less than two years tax returns
  • You have unique income sources that don't fit standard assessment
  • You're willing to pay higher rates short-term to access property now
  • You have a clear plan to refinance to mainstream lending within 2-3 years
  • You can afford the higher repayments comfortably
  • You have sufficient deposit to meet non-conforming LVR requirements
However, non-conforming loans may not be suitable if:
  • You can qualify for mainstream lending with a different lender
  • You can't afford the higher interest rate and fees
  • You don't have sufficient deposit
  • Your credit issues are still ongoing or worsening
  • You don't have a realistic path to improve your situation

Our Non-Conforming Lending Expertise

At Crew Financial, we specialise in non-conforming lending and have extensive experience helping clients with unique circumstances secure finance:
  • Strong lender relationships: We work with all major non-conforming lenders and understand exactly which lender suits which situation.
  • Expert assessment: We assess your situation thoroughly and advise honestly whether non-conforming lending is your best option.
  • Application preparation: We prepare comprehensive applications that present your case in the best possible light.
  • Documentation guidance: We guide you through exactly what documentation you need and how to present it effectively.
  • Rate negotiation: Our volume and relationships often secure better rates than going directly to lenders.
  • Exit strategy planning: We don't just get you the loan, we actually plan how and when you'll refinance to better rates.
  • Ongoing support: We review your position regularly and alert you when refinancing opportunities arise.
our-non-conforming-lending-expertise

Common Myths About Non-Conforming Loans

  • Myth: "Non-conforming loans are only for people with bad credit."
  • Reality: Many non-conforming borrowers have excellent credit but simply don't fit mainstream employment or income criteria.
  • Myth: "You'll never get out of a non-conforming loan."
  • Reality: Most borrowers refinance to mainstream lending within 2-3 years once their situation improves.
  • Myth: "Non-conforming lenders are unregulated and risky."
  • Reality: Non-conforming lenders are fully regulated by ASIC and APRA and follow responsible lending obligations.
  • Myth:"The interest rates are predatory."
  • Reality: While higher, rates reflect genuine risk and are still far lower than personal loans or credit cards.
  • Myth: "Low-doc means no-doc."
  • Reality: All loans require documentation and verification—low-doc simply uses alternative verification methods.

Getting Started

If you think a non-conforming loan might be right for you, here’s how to begin:
  • Contact us for a confidential discussion about your circumstances
  • Provide honest disclosure of your income, employment, and credit situation
  • Gather basic documentation (bank statements, ID, details of credit issues)
  • Receive expert assessment of your options and likely approval
  • Prepare comprehensive application with our guidance
  • Secure approval and proceed to purchase or refinance
  • Plan your exit strategy to mainstream lending
getting-started

Don’t let non-traditional circumstances prevent you from achieving property ownership. Non-conforming loans exist specifically to help people like you. Get in touch today for a confidential, no-obligation discussion about your situation and discover how we can help you secure the finance you need.

Your past doesn’t have to determine your future. Let’s work together to make your property goals a reality.

Testimonials

We deliver personalised, high quality lending solutions.

Excellent
Georgie R.
Thanks Matt, Ian and the crew at Crew Financial for helping us buy our first home. We honestly had no idea where to start, but Ian took the time to answer every question and made the whole process feel so much less stressful. We always felt supported and knew we could reach out whenever we needed. Really grateful for all the hard work and help getting us into our first home!
Response from the owner:Thank you so much for the kind words! We’re so glad Ian, Matt and the Crew Financial team could help make the process feel easier and less stressful for your first home purchase. Congratulations again on such an exciting milestone, and thank you for trusting us to be part of the journey! 🏡
Wayne R.
We cannot thank our financial broker enough for all the help and support they gave both my daughter her partner and myself throughout the entire process of securing finance for her first home. From start to finish, they were incredibly helpful, patient, and understanding every step of the way.

No question was ever too silly to ask, and they always took the time to explain everything clearly and guide us through what could have been a very stressful process. Their knowledge, kindness, and constant reassurance made such a difference and gave us so much confidence along the way.

We are so very grateful for all the guidance, care, and effort they put into helping my daughter and her partner achieve their dream of buying their first house. We highly recommend them to anyone looking for a broker who genuinely cares about their clients and goes above and beyond to help.

Thank you again for everything — we truly appreciate it more than words can say. Thanks Matt you're a legend
Response from the owner:Thank you so much for your incredibly kind words. It was an absolute pleasure helping your daughter and her partner through such an exciting milestone, and I’m so grateful to have been able to support your family throughout the journey. Congratulations again to your daughter and her partner on their first home — such an amazing achievement! Thank you again for trusting me to be part of it, and for taking the time to leave such a thoughtful review. It truly means a lot. Matt
Joshua H.
Special thanks to Ian and Matt for helping us in buying our first investment property.
Response from the owner:Thank you for the kind review, Joshua. Ian and Matt are thrilled they could help you purchase your first investment property and congratulate you on this milestone. We look forward to supporting your future investments. Your feedback is appreciated. Crew Financial
Ray S.
James did an excellent job helping me refinance a complicated loan structure that needed to be completed within a very short timeframe. He dealt professionally with numerous difficulties and delays from the banks and worked hard to keep everything moving throughout the process.

Communication was excellent the entire way through, with quick responses to questions and fast action whenever issues arose. I really appreciated his persistence, professionalism, and ability to navigate a difficult situation successfully. I would highly recommend James to anyone looking for a knowledgeable and reliable mortgage broker.
Response from the owner:Thank you, Ray, for taking the time to share your experience. We’re thrilled James was able to navigate the complex refinance and meet your tight timeframe while keeping communication clear and prompt. I’ll be sure to pass your praise along to him and the team. Please reach out any time if you need assistance in the future. Your feedback is appreciated. Crew Financial
Joziane G.
Amazing experience with Jeramy. He was able to think out the box when there was some limitations and worked as hard as he could to get me the best outcome.
Response from the owner:Thank you for your kind words, Joziane. We're thrilled Jeramy could think outside the box and work so hard to deliver the best outcome despite the limitations. We’ll be sure to pass along your praise to him. We look forward to assisting you again. Your feedback is appreciated. Crew Financial
Aine Rose T.
Dan from Crew Financial has helped broker 2 loans for me - communication, efficiency and customer service were second to none.
Response from the owner:Thank you so much, Aine, for the wonderful review. We’re thrilled Dan and the Crew Financial team delivered exceptional communication, efficiency, and customer service for both loans. We appreciate your trust and look forward to assisting you again or anyone you refer. Your feedback is appreciated. Crew Financial
Zoe S
Excellent experience
Response from the owner:Thank you, Zoe! We're thrilled you had an excellent experience and appreciate the 5-star review. We look forward to welcoming you back soon. Your feedback is appreciated. Crew Financial
Kirk C.
Brett was amazing to deal with. I honestly couldn’t recommend him more highly. Professional, knowledgeable and incredibly responsive. I would absolutely recommend Brett for anyone looking for a reliable and trustworthy mortgage broker.
Response from the owner:Thank you for taking the time to share this glowing feedback. We're thrilled Brett was professional, knowledgeable, and responsive throughout your experience. Your recommendation means a lot to us and to Brett personally. We’ll be sure to pass along your kind words. If you ever need assistance again, we’re here to help. Your feedback is appreciated. Crew Financial
Cherie E.
As first home owners we loved dealing with our Mortgage Broker Melina. She was down to earth, sincere, gave us a lot of her time and really seemed to care for us in our unusual set of circumstances. She found us a few suitable options with various banks which was so encouraging given our ages and finances. Thank you Melina! We will certainly recommend you to our friends and family as you came so highly recommended to us.
Response from the owner:Thank you so much for your kind words, Cherie. We're thrilled Melina could guide you through your first home purchase and provide sincere, personal support during your unique circumstances. It's wonderful she was able to find multiple bank options and help you feel confident. We truly appreciate your recommendation to friends and family and wish you all the best in your new home. Your feedback is appreciated. Crew Financial
Kate B.
I was recommended Brett Jeffery from a friend and I couldn’t recommend him more; he created a stellar experience for me in my property purchase. His communication was detailed, prompt and simple to understand and he made the whole process of buying property completely easy. Would recommend him to everyone I know who is looking for a mortgage broker.
Response from the owner:Thank you so much for the kind words, Kate — we’re thrilled Brett made your property purchase smooth and easy. We appreciate your recommendation and are glad his clear, prompt communication made the process simple for you. We look forward to helping any friends or family you send our way in the future. Your feedback is appreciated. Crew Financial
beryl W.
Best brokers for aircrew, hands down!
Rick and the team were lighting fast in assessing my case and facilitating a loan approval interstate. Rick’s ability to translate our notoriously complex payslip and allowances system to banks is invaluable to securing a loan.
Elisha was always available to promptly answer any question throughout the process.
My real estate agent even commented she had never seen a loan approval letter coming in so fast in a settlement in all her years. Took just 2 days!
Thank you Crew Financial!
Response from the owner:Thank you so much for this fantastic review, Beryl. We’re thrilled Rick and the team could move so quickly and that his explanation of your payslip and allowances helped secure the interstate loan in just two days. I’ll pass your kind words on to Rick and Elisha — they’ll be delighted. We appreciate the recommendation and are here whenever you or your colleagues need assistance again. Your feedback is appreciated. Crew Financial
Andrew H.
Excellent Broker, they were able to get us a loan at a difficult time and we successfully purchased the Property we wanted. I have now also successfully done a refinance with Crew Financial and my service was again excellent!
Corey P.
Adoni at Crew Financial has once again delivered outstanding results for us. This was our second complicated home loan with him, involving tricky income structures and higher borrowing needs, and he handled everything with the same expertise, patience, and professionalism as the first time.
He took the time to deeply understand our situation, fought hard to maximise our borrowing capacity (more than any other lender could offer), and secured an excellent rate with a smooth, stress-free process from start to finish. Communication was always prompt, clear, and reassuring.
If you’re dealing with anything but a straightforward loan, Adoni is the broker you want in your corner. Highly, highly recommend – we won’t go anywhere else! Thank you, Adoni and the Crew Financial team! 🚀
Response from the owner:Thank you, Corey, for the fantastic review and for trusting Adoni and the Crew Financial team with another complex home loan. We’re thrilled Adoni’s expertise, persistence, and clear communication secured the borrowing capacity and rate you needed while keeping the process smooth and stress-free. Your recommendation means a lot, and we look forward to supporting you again whenever you need us. Your feedback is appreciated. Crew Financial
Derek H.
Jeremy and the team at Crew Financial have demonstrated exemplary professionalism and service well above what is expected. Their contacts in various related fields allow for comprehensive advice in more complex scenarios such as mine. I cannot speak highly enough of Crew Financial, and actively recommend them to anyone in need of property acquisition services.
Response from the owner:Thank you so much for your kind words, Derek! We are pleased to hear that you were satisfied with our service and professionalism. It's our goal to provide comprehensive advice for complex scenarios. Your positive recommendation is highly appreciated.
Miguel S.
Thanks again to the amazing team at crew financial. Matt and Jodie went out of their way to get my loan sorted before the Xmas break.
Absolutely no hesitation recommending crew financial.
Response from the owner:Thank you for your amazing feedback, Miguel! We're thrilled to hear that you've had consistent positive experiences with our team and that Matt has been particularly helpful. Your support and recommendations mean a lot to us. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Maxine P.
We had an excellent experience working with this finance company to secure our home loan approval. Their service was consistently professional and accommodating, taking the time to explore different options with us as our living circumstances changed.

What stood out most was their thoughtful and understanding approach. They were honest, transparent, and always willing to provide clear information — even going above and beyond when we had lots of questions to ensure we fully understood the process. They also offered practical tips and suggestions when it came to making an offer, which gave us added confidence during a stressful and competitive time.

Importantly, they were flexible and willing to meet and talk with us both during and outside of standard business hours, ensuring our needs were always supported. Their ability to move quickly and secure a loan with great terms made all the difference in a fast-paced property market. We felt supported every step of the way and truly valued their open communication and genuine care.

We would highly recommend them to anyone looking for loan approval, especially if you want a team that is responsive, trustworthy, and capable of executing swiftly to help you secure the right property.
Response from the owner:Thank you for your wonderful feedback, Maxine! We're thrilled to hear that you had such a positive experience with our team during the home loan process. Our goal is to provide personalized support and clear communication, so it's great to know that we were able to meet your needs. We appreciate your recommendation and look forward to helping more clients achieve their homeownership dreams. Your kind words inspire us to continue delivering exceptional service! Your feedback is appreciated. Crew Financial
Nicole S
My family has used Crew Financial’s brokerage services three times in the last couple of years. Matt and Jodie are simply outstanding. Their professional knowledge skills and abilities are first class while retaining a personal and friendly approach. We have had excellent results on each occasion. I highly recommend their services.
Response from the owner:Thank you so much for your kind words, Nicole! We truly appreciate your trust in our services and are thrilled to hear about your positive experiences with Matt and Jodie. Delivering professional and friendly service is our priority, and it's rewarding to know we’ve met your expectations. Your recommendation means a lot to us, and we look forward to assisting your family with any future needs. Your feedback is appreciated. Crew Financial
Jack
The team at Crew Financial have been fantastic. From helping us with prospective properties to finalising our pre approval in a very timely manner, I cannot fault their service and motivation to get people what they are looking for. Looking forward to continuing to use their services well into the future.
Response from the owner:Thank you for your wonderful feedback, Jack! We are thrilled to hear that you had a fantastic experience with our team. Your satisfaction and trust mean a lot to us, and we are excited to assist you in your future financial endeavors. Please don't hesitate to reach out anytime you need support. Your feedback is appreciated. Crew Financial
bob
Dealing with Matt (and the team at Crew Financial) has been one of the most beneficial and de-stressing experiences of my financial life. Having purchased six properties in my life, I'm actually relieved to have refinanced (during COVID) and now restructured for an investment, with Crew Financial. Matt saved me over 1.2% when my 25 year lender, wouldn't give me their 'best rate' (due to being an 'existing customer '). A very good outcome given my income was a fifth (yep 20%!) of what it was before the COVID stand down. Matt's understanding of the intricacies of financial matters, has helped me to structure and invest late in my career, without reservation or anxiety. I recommend Matt and Crew Financial, unreservadly. David Foreman
Response from the owner:Thank you for your fantastic review, David! We're thrilled to hear that you had such a positive experience with Matt and the Crew Financial team. It’s great to know that we could help you save significantly while providing support during a challenging time. Your recommendation means a lot to us and we look forward to continuing to assist you with your financial journey. Your feedback is appreciated. Crew Financial
Paris A.
Rick at Crew Financial does incredible work, highly knowledgeable, professional and makes us feel supported every step of the way! We cannot thank him enough for all of his guidance and support!
Response from the owner:Thank you for your wonderful review, Paris! We're thrilled to hear that Rick provided you with exceptional service and support. Your satisfaction is our priority, and we appreciate your kind words. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Channon K.
Our best experience purchasing a new home yet! Brett and the team were thorough and kept us in the loop every step of the way.
Highly recommend
Response from the owner:Thank you for your fantastic feedback! We're thrilled to hear that Brett and the team provided you with such a positive experience while buying your new home. Keeping our clients informed is a top priority for us. We appreciate your recommendation and wish you all the best in your new home! Your feedback is appreciated. Crew Financial
Channon K.
Brett and the team from Crew Financial were great to work with. They helped us through our unique situation of owning a new business and made the process easy and seamless. We would definitely use them again.
Response from the owner:Thank you for your wonderful feedback, Channon! We're thrilled to hear that Brett and the Crew Financial team were able to assist you with your unique situation. Making the process as easy and seamless as possible is our priority. We look forward to working with you again in the future! Your feedback is appreciated. Crew Financial
Amanda G.
We would like to extend a heartfelt thank you for the exceptional support and professional service provided during our home loan process. From start to finish, we felt fully informed every step of the way. Crew Financial were knowledgeable and responsive, making what could have been a complicated journey smooth and straightforward. Thank you for your outstanding assistance!
Response from the owner:Thank you so much for your kind words, Amanda! We're thrilled to hear that our team was able to provide you with exceptional support during your home loan process. It’s our goal to keep our clients informed and make the experience as smooth as possible. Your feedback means a lot to us, and we're grateful for the opportunity to assist you. We wish you all the best in your new home! Your feedback is appreciated. Crew Financial
Helena B.
the crew have been extremely patient, yet extremely professional , and I thank Rick , Jodie and team by for their support and great care in acquiring a good deal for my new home ! Great tram if hard workers
Response from the owner:Thank you for your wonderful feedback, Helena! We're thrilled to hear that Rick, Jodie, and the rest of the team provided you with the patient and professional support you needed. Delivering the best possible experience for our clients is our top priority, and it’s fantastic to know that you felt cared for throughout the process. Enjoy your new home! Your feedback is appreciated. Crew Financial
Christina I.
I recently refinanced my home loan with the help of Adoni and I couldn’t be happier with the experience. From the very first consult, he took the time to truly understand my financial goals and walked me through every step of the process with patience and clarity.

What really stood out was his professionalism, deep knowledge of the mortgage market, and commitment to finding me the best possible rate. Adoni kept me informed at every stage, promptly answered all my questions, and made what could have been a stressful process feel smooth and effortless.

Thanks to him I was able to secure a significantly better rate and reduce my monthly payments. I genuinely felt like I was in capable, trustworthy hands from start to finish.

I highly recommend Adoni and Crew Financial to anyone considering refinancing or applying for a new loan. Exceptional service, honest advice, and real results — everything you could ask for in a financial professional!
Response from the owner:Thank you for your wonderful review, Christina! We're thrilled to hear about your positive experience with Adoni during your home loan refinance. His dedication to understanding clients' financial goals and providing exceptional service is exactly what we strive for. We're glad that you found the process smooth and that you secured a better rate. Your recommendation means a lot to us, and we appreciate your trust in Crew Financial! Your feedback is appreciated. Crew Financial
Troy B.
Seamless process with the customer at the forefront. James took the time to understand our circumstances and give the best market advice for us. His communication skills were excellent, and no task was an inconvenience throughout the whole process.

Highly Recommend and look forward to using James services in the future.
Response from the owner:Thank you for sharing your positive experience, Troy. We're thrilled to hear that James provided such exceptional service and support throughout your process. Your recommendation means a lot to us, and we look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Ange S.
This is the 3rd time our family have worked with Brett from Crew Financial. Hopefully there will be many more times. Brett is an awesome human being that goes above and beyond to assist and obtain the best deal possible. Great communication, anytime, any day with great outcomes! Highly recommend!
Response from the owner:Thank you for sharing your detailed experience, Ange! We're thrilled to hear that Brett provided you with the support and expertise you needed during such a delicate time. Your recommendation means a lot to us, and we're glad we could help you successfully purchase your father's home. We appreciate your trust in Crew Financial and look forward to assisting you in the future! Your feedback is appreciated. Crew Financial
Adam T.
Matt and his team have been a breath of fresh air to deal with. They actively listened to our needs for the refinance and offered excellent products to manage and in fact exceed expectations
Response from the owner:Thank you for your fantastic feedback, Adam! We're thrilled to hear that Matt and the team were able to meet and exceed your expectations during the refinance process. Your satisfaction is our top priority, and it's great to know we achieved that for you. We appreciate your trust in us and look forward to working with you again in the future. Your feedback is appreciated. Crew Financial
Ryan C.
We’re incredibly grateful to Rick and Elisha for helping us secure our first home. From the very beginning, they were professional, knowledgeable, and genuinely supportive. Their advice was clear and reassuring, and they made the entire process feel smooth and manageable.

One of the standout moments was their recommendation of a building and pest inspector, which helped us identify key issues early and gave us peace of mind moving forward. It’s that kind of thoughtful, proactive support that made all the difference.
Thanks to their expertise and dedication, we felt confident every step of the way. We couldn’t have asked for better guidance or service.

Highly recommend them to anyone looking for trusted mortgage brokers!

Ryan and Mia
Response from the owner:Thank you so much for your kind words and for sharing your experience with Rick and Elisha. We're thrilled to hear that their professionalism and support made your home-buying journey smooth and manageable. It's great to know that their proactive approach, especially with the building and pest inspector recommendation, provided you with peace of mind. We appreciate your recommendation and wish you many happy moments in your new home! Your feedback is appreciated. Crew Financial
Brett C.
Did a great job helping me structure my investment loans … thanks again
Response from the owner:Thank you for your fantastic feedback! We're glad to hear that our team was able to assist you in structuring your investment loans effectively. Your satisfaction is our priority, and we appreciate your trust in us. If you have any other needs in the future, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
Donna W.
Highly Recommend Melina and Carlo from Crew Financial!

Melina and Carlo were absolutely fantastic to deal with. Melina came highly recommended by a close friend and her knowledge and commitment to helping me navigate my home loan was clear from our first meeting. I felt supported the whole way through - nothing was ever too much trouble. I wouldn’t hesitate to recommend Melina and Carlo to anyone looking for a reliable, knowledgeable, and down-to-earth mortgage broker.
Response from the owner:Thank you so much for your wonderful feedback, Donna! We're thrilled to hear that Melina and Carlo provided you with the support and expertise you needed for your home loan. Their dedication to helping clients is truly commendable, and your recommendation means the world to us. We're glad you had a positive experience and appreciate you taking the time to share it! Your feedback is appreciated. Crew Financial
Nikki Y.
Thank you, as always we have received such wonderful service with such a personal approach and understanding of our specific financial needs. Thanks for being so responsive and for making the process so easy for us.
Response from the owner:We greatly appreciate your kind words and are thrilled to hear that you received wonderful service tailored to your financial needs. It's our goal to make the process as seamless as possible for you. Thank you for trusting us, and we look forward to continuing to serve you in the future. Your feedback is appreciated. Crew Financial
Aaron G.
Matt, Jodie and the team are awesome. Great communication, great support throughout the whole loan process. Five stars!!!!!
Response from the owner:Thank you for your fantastic review, Aaron! We're thrilled to hear that you had a great experience with Matt, Jodie, and the team. Your feedback on our communication and support means a lot to us. We appreciate your trust and look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Richard Y.
Wow! Thank you Crew Financial ! Elisha worked through a few challenges and came up with a great solution for us. This is why we use the experts ( Again). First in Class every time!
Response from the owner:Thank you for the fantastic review, Richard! We’re glad to hear that Elisha was able to navigate through the challenges and provide you with an effective solution. Your trust in our expertise means the world to us. We appreciate your continued support and look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
J G
Very professional and helpful advice. A seamless process for setting up an investment loan
Response from the owner:Thank you for your kind words! We're glad to hear that you found our advice professional and helpful, and that the process for setting up your investment loan was seamless. Your satisfaction is our top priority, and we appreciate your trust in our services. If you need any further assistance, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
D B
Pretty seamless process.
I had no time constraints so it seemed to step through a needed
Response from the owner:Thank you for your feedback! We're glad to hear that you found the process to be seamless. If you have any suggestions for improvement or if there's anything else we can do to enhance your experience, please let us know. We appreciate your support and look forward to serving you again! Your feedback is appreciated. Crew Financial
Grace S.
Was referred to Crew Financial to seek assistance in securing a mortgage for a first home purchase. Spoke to Jodie who very much went above and beyond to help us with our situation. She was more than happy to answer our questions and clear up any confusion we had even with knowing we had another application with another broker. I happily recommend Crew Financial and Jodie to anyone seeking help with a loan!
Gary K.
This is the second time I have asked Crewfinancial to arrange loans and again they have been outstanding. Not only do they react immediately and positively to problems from outside their control but proactively avoid problems eventuating. Their communications are excellent and the energy and effort are beyond description. They work into the night or on weekends, whatever is needed to help their clients. I cannot recommend this organisation highly enough. Thank you for all you did, I would only ever use CrewFinancial in the future.
Response from the owner:Thank you for your fantastic review, Gary! We greatly appreciate your continued trust in CrewFinancial for your loan arrangements. It's wonderful to hear that our team's dedication and proactive approach have made a positive impact on your experience. Your recommendation means a lot to us, and we're thrilled to have earned your loyalty. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Joshua W.
I cannot recommend Brett at Crew Financial highly enough! From start to finish, he always goes above and beyond, putting in 110% to make sure we’re looked after. This is the second time we’ve worked with Brett, and the level of care, professionalism, and commitment he shows each time is outstanding. He makes the whole process stress-free, explains everything clearly, and ensures we’re always in the best possible position. Also a special mention to the Settlement Coordinator, Carlo, whose support and attention to detail made the process seamless. We’ll definitely be back for a third time when the need arises.
Response from the owner:Thank you for your glowing review, Joshua! We're thrilled to hear that Brett and Carlo provided you with excellent service and made your experience stress-free. Your appreciation of their professionalism and attention to detail truly means a lot to us. We look forward to assisting you again in the future! Thank you for choosing Crew Financial. Your feedback is appreciated. Crew Financial
L K.
Amazing service! I’m a sole trader and didn't have a full years worth of financials at the time and Brett still found smart workarounds to get me approved. When the financial year ticked over he was able to refinance and get me an even better rate! Super easy to deal with and always helpful. Highly recommend. Cheers Brett 👍🏽
Response from the owner:Thank you for your fantastic feedback! We're thrilled to hear that Brett was able to find solutions that worked for you and secure a better rate upon refinancing. Your recommendation means a lot to us, and we're glad you found the process easy and helpful. We look forward to supporting your future financial needs! Your feedback is appreciated. Crew Financial
Shane S.
Amazing work by Matt and the team. They handled our situation with ease and professionalism at every stage. Got us well above the result we had hoped for! Couldn’t recommend highly enough
Response from the owner:Thank you for your fantastic feedback, Shane! We're thrilled to hear that Matt and the team exceeded your expectations. Your recommendation means a lot to us. We're always here to help, and we look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Glen H.
The crew financial team are top notch! They kept me well informed every step of the loan application and property purchasing process. Any questions were handled quickly and thoroughly. A relief to have such a team to guide you through a process few of us do often!
Response from the owner:Thank you for your wonderful review! We're thrilled to hear that our financial team was able to provide you with the support and guidance you needed throughout the loan application and property purchasing process. Your satisfaction is our priority, and we appreciate your trust in us. If you need anything else in the future, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
Tom L.
Highly recommend Crew Financial.
Response from the owner:Thanks for the review Tom. We really do care about getting excellent results for our clients.
Nikki S.
Adoni from Crew Financial was instrumental in us being able to purchase our new property. He was able to secure us more borrowing capacity than any other lender, and was an absolute delight to deal with. He has been super responsive and never made us feel stupid ( I had MANY stupid questions!) or pressured. Very clear communication made the settlement process seamless and we will absolutely be recommending Crew Financial and Adoni to all our friends and family.
Response from the owner:Thank you so much for your wonderful feedback! We're thrilled to hear that Adoni was able to assist you in securing your new property and that his responsiveness and support made your experience enjoyable. We pride ourselves on clear communication and are delighted to know that you felt comfortable throughout the process. Your recommendations to friends and family mean the world to us. We look forward to working with you again in the future! Your feedback is appreciated. Crew Financial
Andrew P.
Great professional service, highly recommended.
Response from the owner:Thanks Andy, look forward to hearing how the build goes.
Adam L.
5 Star service!
Cannot fault!
Response from the owner:Thank you Adam for your fantastic feedback! We're thrilled to hear that you had a 5-star experience with us. Your feedback is appreciated. Crew Financial
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