When the banks say no, we find a way

Complex lending covers any home loan scenario that falls outside standard bank policy. This includes borrowers with adverse credit history, self employed income that is difficult to verify, unusual property types such as rural acreage, trust or company structures, expat borrowers earning foreign currency, and guarantor arrangements. Lendology specialises in identifying the right lender for each of these scenarios.

Yes, in many cases. The outcome depends on the type, age and value of the adverse credit event, your current financial position and which lender assesses your application. Some specialist and non conforming lenders consider applications with paid defaults, judgments and even discharged bankruptcies. Lendology assesses your credit file and matches you to a lender whose policy fits your situation. Learn more about bad credit home loans.

In most cases, no. Lendology is paid by the lender on settlement, just like any other mortgage broker. Some private or specialist lending arrangements may involve a broker fee, but this is always disclosed upfront before any application is lodged. There are never hidden costs.

It varies depending on the scenario. A straightforward non conforming application may settle within 3 to 4 weeks. More complex files involving private lending, trust structures or multiple securities can take 4 to 8 weeks. Lendology provides a realistic timeline at the outset so you can plan accordingly.