A pathway when the banks can't help.
Non-bank lenders serve creditworthy borrowers who don't fit standard bank criteria. Anbi provides the assessment, lender matching, and origination to get your loan placed.
Why banks decline good borrowers.
These are permanent structural constraints in the banking system. They do not reflect your creditworthiness. They reflect the rules banks are required to follow.
Full regulatory comparisonAPRA debt-to-income cap
From February 2026, banks cannot issue more than 20% of new mortgages where total debt exceeds six times gross income (the debt-to-income cap). If you hold investment properties and your total debt is above this threshold, most banks will decline regardless of your repayment history or asset position. Non-bank lenders are not subject to this cap.
Serviceability buffer
Banks must assess your ability to repay at a rate 3 percentage points above the actual loan rate. On a 6% mortgage, the bank tests you at 9%. Non-bank lenders apply a lower buffer, typically 1-2 percentage points, materially increasing your borrowing capacity on the same income.
Income verification requirements
Banks require payslips or two years of tax returns. If you are self-employed, your declared taxable income often understates your actual earning capacity. Non-bank lenders accept accountant declarations, BAS statements, and business bank statements as income evidence.
What Anbi does differently.
Structured scenario assessment
Not a generic enquiry form. The assessment adapts to your employment type, income structure, credit history, and property objective to produce a specific pathway analysis.
Cross-lender policy matching
We maintain current credit policy knowledge across the full non-bank panel. Your scenario is matched to the lenders whose policies fit, not just the lenders we happen to know.
Submission-quality packaging
Every application is policy pre-checked, document-verified, and submitted with a written scenario narrative. This reduces lender back-and-forth and accelerates assessment.
No cost to you
The lender pays Anbi a standard origination commission on settlement. You pay nothing directly. If your loan does not settle, nobody pays anything.
From assessment to settlement.
Structured assessment
Answer questions about your employment, income, property objective, credit position, and borrowing needs. The system adapts to your scenario and identifies your pathway.
10-15 minPathway document
You receive a written analysis of your scenario: credit tier, documentation requirements, key constraints, and what to prepare. This is not a generic response. It reflects your specific inputs.
InstantOperator review and lender matching
A specialist operator reviews your scenario and matches it to the lenders whose credit policies best fit your profile. No credit enquiry is lodged until you approve the submission.
1 business daySubmission and settlement
Your operator prepares a complete, policy-checked submission package and lodges it with the selected lender. You are updated at every stage through to settlement.
To settlementThe spectrum is wider than you think.
Property investors
Above the bank debt-to-income cap with strong income and clean credit.
Self-employed
Business income that doesn’t fit a payslip. Accountant declarations accepted.
Past credit events
A resolved default or judgment. Non-bank lenders assess recency and cause.
New residents
Permanent residents with offshore income history the banks won’t assess.
Construction
Build-to-own projects requiring progress drawdown finance.
Mixed income
Salary plus rental income plus business income, blended together.
Every one of these borrowers has been turned away by a bank this year. Every one has a non-bank pathway. The difference is knowing where to look and having the right documentation.
Common questions about non-bank lending.
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.