Australia's front door
to non-bank lending.
Non-bank lenders originate over $72 billion annually in Australia. Anbi provides the structured assessment, lender matching, and origination to place those loans.
Built for self-employed business owners
In non-bank loan originations in FY2025. growing at 25.3% year-over-year versus 3.9% for major banks.
Of all new Australian mortgages originate through the broker channel. 22,002 active mortgage brokers as of late 2025.
Banks are restricted by regulation. Non-bank lenders are not. From February 2026, APRA's debt-to-income cap will prevent banks from lending to a growing number of creditworthy property investors — regardless of income or credit history.
Non-bank lenders are exempt from this cap. They assess borrowers on individual merit, accept alternative income documentation, and deliver conditional approvals in 24–48 hours. Most people don't know these options exist.
We assess, match, and place your loan.
Thousands of creditworthy Australians are declined by banks each year, not because they are bad risks, but because the rules do not fit their situation. Anbi is the systematic answer. We assess your scenario, match it to the right non-bank lender, prepare a submission-quality package, and manage the process to settlement.
Intelligent assessment
Adaptive intake that builds a complete credit picture. Scenario analysis in real time. Your pathway identified before a single document is submitted.
Full panel access
Access to Australia's full non-bank lending panel, not the 2-3 lenders a typical broker knows. Matched to your specific profile before any credit enquiry is lodged.
Submission-grade packaging
Every file reviewed, cross-referenced, and packaged with a written credit narrative. Lenders receive complete files. First-pass approval rates are materially higher.
Speed to approval
Non-bank lenders operate with direct credit teams and no committee structures. Conditional approvals in 24-48 hours. Formal approval within 5 business days.
From assessment to settlement, structured.
Complete the assessment
Complete a structured scenario assessment covering your income type, documentation pathway, borrowing objective, credit profile, and timeline.
Receive your pathway document
Your assessment generates a personalised pathway document identifying your scenario, applicable lender categories, documentation requirements, indicative rates, and what to prepare.
Operator review and lender matching
A specialist reviews your scenario and matches it to the two or three lenders on our panel most likely to approve your loan given your specific profile, before any credit enquiry is lodged.
Structured submission
Your operator prepares a complete, lender-formatted submission package. Credit policy pre-checked. Documentation verified. Submitted to lender with a written scenario narrative.
Which scenario describes you?
Each pathway maps to a different lender panel, documentation requirement, and credit consideration.
Self-employed
SE investor, alt-doc
ABN 2yr+, investment strategy
DTI-capped
Employed, multiple properties
Bank debt-to-income cap breached
Adverse credit
Prior events, now resolved
Specialist pricing available
Construction
Build-to-own
Progress drawdown finance
SMSF lending
Super fund property
Specialist SMSF products
Foreign income
PR or citizen, offshore income
Non-bank assessment
Trust structure
Family or unit trust
Alt-doc income pathway
Low doc
Limited documentation
Bank statement analysis
Rural property
Non-metro security
Regional lending criteria
Commercial
Business premises
Commercial non-bank
Short ABN
Under 24 months
Specialist lender panel
Equity release
Existing property
Cash-out refinance
Near-prime
Minor adverse history
Priced for risk
Bridging
Pre-sale or settlement gap
Short-term facility
Mixed income
Salary + rental + business
Blended income assessment
Auction finance
24-48hr conditional
Pre-approval for competitive bids
Self-employed
SE investor, alt-doc
ABN 2yr+, investment strategy
DTI-capped
Employed, multiple properties
Bank debt-to-income cap breached
Adverse credit
Prior events, now resolved
Specialist pricing available
Construction
Build-to-own
Progress drawdown finance
SMSF lending
Super fund property
Specialist SMSF products
Foreign income
PR or citizen, offshore income
Non-bank assessment
Trust structure
Family or unit trust
Alt-doc income pathway
Low doc
Limited documentation
Bank statement analysis
Rural property
Non-metro security
Regional lending criteria
Commercial
Business premises
Commercial non-bank
Short ABN
Under 24 months
Specialist lender panel
Equity release
Existing property
Cash-out refinance
Near-prime
Minor adverse history
Priced for risk
Bridging
Pre-sale or settlement gap
Short-term facility
Mixed income
Salary + rental + business
Blended income assessment
Auction finance
24-48hr conditional
Pre-approval for competitive bids
Five structural advantages you cannot get from a bank.
Non-bank lenders are not APRA-regulated. That distinction translates into specific, measurable lending flexibility that banks are legally prohibited from offering.
No debt-to-income cap
APRA's debt-to-income cap (effective February 2026) restricts banks to 6× income. Non-bank lenders are not APRA-regulated and are not subject to this cap. Borrowers with DTIs of 7×, 8×, or 9× remain eligible.
Lower assessment rate
APRA requires banks to assess borrowers at the actual interest rate plus 300 basis points. Non-bank lenders assess at lower floors, typically the actual rate plus 100-200bps, materially increasing borrowing capacity for the same income.
Flexible income verification
Banks require payslips or tax returns. Non-bank lenders accept accountant declarations, BAS statements, and bank statement analysis as substitutes for traditional income evidence, opening the market to self-employed borrowers.
Past credit events assessed fairly
Most banks decline automatically at any adverse event. Non-bank specialist lenders price for adverse credit (defaults, judgments, debt agreements) based on recency, cause, and amount. Pricing reflects risk. Approval is not automatically precluded.
Speed to approval
Non-bank lenders operate with direct credit teams and no committee structures. Conditional approvals in 24–48 hours are standard. Formal approvals within 5 business days. Useful for auction purchases and time-sensitive refinances.
Ready to begin
The banks have a ceiling.
We work above it.
Complete a structured scenario assessment and receive a personalised pathway document — your scenario, applicable lenders, documentation requirements, and next steps.