Lenders beyond the big four
We work with specialist and non-bank lenders, private funders and SMSF-capable lenders that most borrowers never see. That wider panel is often the difference between a workable solution and a flat no.
Not every borrower or deal fits the standard bank mould. Self-employed income, short timeframes, trust and SMSF structures, professional packages and one-off personal purchases all call for lenders and loan types that sit outside the vanilla home loan. That’s what specialist lending covers.
At Loanworx, our specialist loans service brings together the finance options that need a little more know-how: personal loans and car finance, private lending, professional home loans and SMSF property loans. We compare the lenders who operate in each space and match your situation to the one most likely to approve it on sensible terms.
As an experienced finance broker, we work for you rather than for any single lender. We know which lenders have appetite for which scenarios, how to structure each one, and how to present your application so it gets the right answer the first time.
Have a scenario that doesn’t fit the usual mould? Call us on 1300 562 696 or get in touch and we’ll be back to you shortly.
Why Choose Loanworx For Specialist Loans?
Specialist lending rewards knowing which lender does what and how to present the deal. Here’s what sets us apart.
Structure for tricky scenarios
You deal with senior brokers who structure self-employed income, trusts, SMSFs, professional packages and short-term deals correctly before anything is lodged, because in specialist lending the structure is most of the battle.
The right lender, the first time
We know who has appetite for what, so your application goes to a lender likely to approve it rather than collecting unnecessary declines and credit enquiries along the way.
Finance for the Scenarios Banks Step Back From
Standard home and business loans cover most situations, but not all. A short settlement, a self-managed super fund, a professional package or a one-off personal purchase each needs a lender and a structure built for it, and going to the wrong place can mean a decline or a worse deal than necessary.
We compare the specialist lenders, match your scenario to the one most likely to approve it, and structure the application around your situation. From private funding to SMSF property, personal loans to professional packages, the aim is a clean path to approval without the runaround.
Our Specialist Loan Services
Our specialist loans cover four distinct needs. Select the one that fits your situation, or get in touch and we’ll point you in the right direction.
Personal Loans and Car Finance
Flexible personal loans and competitive car finance, sourced from lenders who suit your situation and structured around your budget.
Private Lending Solutions
Short-term private funding for time-sensitive deals and situations the banks can’t move on, secured and built around a clear exit.
Professional Home Loans
Home loan benefits for eligible professionals, including LMI waivers at higher LVRs and sharper pricing, with select lenders.
SMSF Property Loans
Limited recourse borrowing to buy residential or commercial property inside your self-managed super fund.
Benefits of Specialist Lending
Used well, specialist lending opens doors that standard lending keeps shut. These are the core benefits.
01
Options beyond the major banks
Specialist and non-bank lenders, private funders and SMSF-capable lenders widen what’s possible well past the major banks’ standard criteria, so a deal that doesn’t fit one mould often fits another.
02
Solutions for non-standard income and structures
Self-employed income, trusts, SMSFs and professional packages are all catered for when they’re presented correctly, rather than treated as problems to be squeezed into a generic application.
03
Speed when it matters
Private and short-term funding can move quickly when a bank’s timeline won’t work, which can be the difference between securing a deal and missing it.
04
Structures matched to the goal
Each specialist loan is shaped around its purpose, whether that’s owning property inside super, accessing a professional benefit, or financing a car, so the finance fits the objective rather than the other way around.
05
A broker who knows the specialist market
The specialist market is wide and uneven, and the right lender for one scenario is the wrong lender for another. Matching the right niche lender to the right situation is exactly what a broker does, and it’s where most of the value sits.
Our Simple Process
Specialist scenarios can be involved, but we keep the process simple. Here’s how we’ll work with you.
01
Initial conversation
We understand your scenario, what you’re trying to achieve and any timeframe involved, then tell you honestly whether a specialist solution fits. No cost, no obligation.
02
Compare and structure
We compare the lenders who operate in your space, work out the structure that suits your situation, and identify the one most likely to approve on sensible terms.
03
Apply and approve
We prepare and lodge the application, present it in its strongest form, and manage the back-and-forth with the lender through to approval.
04
Settle and stay in touch
We coordinate settlement and, where relevant, work alongside your accountant or adviser, then stay available for the next step when you need it.
Why Clients Choose Loanworx
Specialist lending isn’t only about the headline rate. It’s about being matched to a lender that will approve your scenario, structuring it correctly, and having someone manage the process. Here’s what working with us looks like.
01
Whole-of-market comparison
We compare across specialist, non-bank, private and SMSF-capable lenders that most borrowers never see, so you get a genuine spread of options rather than one lender’s view. We match your scenario to the lender most likely to approve it on sensible terms.
02
Senior brokers who structure the deal
You deal with experienced brokers who expect to see self-employed income, trusts, SMSFs, professional packages and short-term deals, and who know how to present each one to the right lender accurately rather than force-fitting it into a generic application.
03
Managed end to end
From the first conversation to settlement, we prepare the submission, liaise with the lender, coordinate with your accountant or adviser where needed, and keep you updated at each stage, so the deal keeps moving and you’re never chasing it.
04
Clear fee and commission disclosure
For most loans, Loanworx is paid an upfront and trail commission by the lender after settlement, and that commission typically does not change the rate or fees you pay. Where a fee for service applies to a more complex scenario, we disclose it in writing before any work begins. No surprises.
Frequently Asked Questions (FAQs)
What are specialist loans?
Specialist loans are finance products for situations that fall outside standard bank lending. They include personal loans and car finance, private lending, professional home loans and SMSF property loans. Each involves lenders, policies and structures that differ from a vanilla home loan, which is why matching the scenario to the right lender, and presenting it correctly, matters so much. We arrange all four through the lenders who operate in each space.
When would I need a specialist lender instead of a bank?
Usually when timing, income type, structure or purpose puts a deal outside a bank’s standard criteria. That might be a tight settlement that needs private funding, self-employed income a bank won’t read favourably, a purchase inside an SMSF, or a professional benefit only some lenders offer. If your everyday bank says no, that’s one answer; a specialist lender may have appetite for exactly your scenario.
Do specialist loans cost more than standard loans?
It depends on the type. Professional home loans can actually be cheaper than standard loans thanks to waivers and discounts, while private and short-term lending typically costs more than a bank loan because it’s faster and carries more risk for the lender. We’re upfront about the cost of each option and whether the benefit justifies it for your situation before you commit.
Can you help if I’m self-employed or have a complex structure?
Yes. Self-employed income, trusts, companies, partnerships and SMSFs are exactly what specialist lending is built for. The key is presenting the income and structure correctly and matching it to a lender comfortable with it. We do this daily and coordinate with your accountant where the structure calls for it.
What is private lending and is it safe?
Private lending is short-term funding from private or non-bank funders rather than a major bank, almost always secured against property and structured around a clear exit such as a sale or refinance. Used properly, for the right short-term purpose, it’s a legitimate tool. We work with reputable funders, are clear about the cost and term, and only recommend it where there’s a sound exit. It isn’t a long-term home loan substitute.
Does using a broker cost me anything?
For most loans, no. Loanworx is paid an upfront and trail commission by the lender after settlement, and that commission typically does not change the rate or fees you pay. For more complex scenarios a fee for service may apply, and we’ll always disclose it in writing before any work begins, so there are no surprises.
Speak to a Specialist Lending Broker Today
Have a scenario that falls outside the standard bank mould? Talk it through with a specialist broker, with no cost and no obligation. Call us on 1300 562 696 or get in touch and we’ll be back to you shortly, ready to map out what’s possible.
