When the Bank Says No, We Find a Way Forward
A declined loan isn’t the end of your property plans. At Finax Mortgages, we help clients who don’t meet standard bank criteria find realistic lending options through second-tier and non-bank lenders. With our guidance, you can still move ahead with the right finance solution for your situation.
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There’s More Than One Path to Approval
Not every borrower fits the bank’s checklist. We understand that income types, credit history, and business ownership can all make applications harder to approve. That’s where we help. We work with a wide range of specialist lenders who take time to understand your financial story and give you another chance to secure a loan.
How We Help When Banks Decline a Loan
If a bank has said no, we look at why and find out what can be done next. Sometimes the issue is timing, paperwork, or the type of income you earn. We focus on practical solutions, not quick fixes, and help you prepare a stronger application with lenders who are open to different situations.
Alternative Lenders
We work with non-bank and second-tier lenders who assess every client individually and are more flexible about how they measure risk.
Flexible Loan Options
We can connect you with short-term and long-term finance choices that fit your income pattern, property goals, and repayment comfort.
Credit Review and Support
We help you understand what went wrong with your previous application and what steps can strengthen your credit profile.
Future Refinance Planning
Once you have a new loan in place, we stay in touch to review it and help you move back to a mainstream bank when possible.
Your 3 Steps to Getting Back on Track
Our process is simple and built around understanding your situation before finding the right lender for you.
Review Your Situation
We start by identifying what caused the bank’s decline. Once we understand that, we can determine which lenders are most likely to approve your application.
Compare Alternative Lenders
We review several second-tier and specialist lenders and show you the options clearly. You’ll see how each one works and what fits best for your budget and goals.
Apply and Move Forward
We help you complete the application correctly and manage the process with the new lender. Our role is to make the path to approval straightforward and well supported.
Your Property Solution Guide
Download our practical step-by-step guide to buying property in Australia. Learn how to plan deposits, compare lenders, and navigate approvals with confidence.
Turning Rejection Into Results
Many of our clients came to us after being turned down by their bank. With the right advice and a fresh approach, they found lenders who looked beyond the numbers and gave them another chance to move forward with their plans.
Why Choose Finax Mortgages
Every borrower has unique goals. That’s why Lucia Ambler delivers a personalised mortgage experience, focusing on the right strategy, competitive rates, and long-term success.
Flexible Mortgage Options
Choose from a variety of mortgage structures designed to fit your budget and goals, from fixed and variable loans to flexible repayment plans.
Personalised Property Investment Guidance
Lucia shares proven property strategies to help you make informed investment decisions backed by years of experience and market insight.
Trusted Customer Service
We value relationships as much as results, offering clear communication, reliable updates, and genuine care throughout the mortgage process.
Licensed & Accredited Professional
Finax Mortgages operates under full licensing standards, maintaining integrity, transparency, and compliance at every stage.
Ready to Try Again?
One rejection doesn’t define your future. We’ll help you find a lender who understands your position and work with you until your application is approved. Let’s begin today.
Common Questions
What is a second-tier or non-bank lender?
These lenders operate outside the main banks and use different approval criteria. They often help borrowers who don’t fit standard banking rules.
Will I pay more interest with a non-bank lender?
Rates can vary depending on your profile and loan type. We’ll compare lenders and explain how each rate fits your goals and repayment plan.
Can I refinance with a bank later on?
Yes. Many clients start with a second-tier lender, then refinance with a bank once their financial situation improves.
What if I’m self-employed or have uneven income?
Specialist lenders often understand self-employed and contract income. We’ll show how to document your earnings clearly for approval.
How long does it take to get approved after a bank declines my loan?
It depends on the lender and your documents, but most approvals take two to six weeks once your new application is ready.
