Residential & Non-Conforming Home Loan Scenarios

Six months in arrears


Two existing loans with a short term funder.
No payments made in 6 months.
Two residential houses in Company names.
Suburban location Melbourne.


$1,600,000 loan refinanced to private funder.
75% LVR.
Combination 1st & 2nd mortgages.
Properties saved from Mortgagee in Possession.
Used client’s new work contract as servicing.

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Refinance existing lender


Client required funds to refinance existing Lender
Debt consolidation and additional funds for working capital.
Credit Cards were in default and held with a Collection Agency.


Loan Amount $750,000.
12 month term.
11% p.a.

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Client in arrears


Residential investment property.
Client in arrears on all loans,
Financials not quite up to date, defaults noted.
Due to a serious illness in the family the client had fallen behind in all payments.


We were able to show that income was back on track through contracts & other sources.
Loan sourced for $500,000 from private funder.
75% LVR, 3 years interest only 9.75% pa, 0.5% application fee.

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Get a non-conforming business loan through IBN Direct for your business

When all other avenues have failed, whether it’s through credit issues or inability to show financials, we can work to get your loan approved with our flexible solutions. We have a solid relationship with an excellent selection of 600+ funders, many of whom are willing to consider credit issues.

Contact our experienced team at IBN Direct to get the best funding solution to get you back on track.

Why Choose IBN?

At IBN, we work closely with our panel of Funders, to move quickly on your loan application. We understand that ‘time is money’ and we make the loan process as seamless as possible. Our experienced staff assist you every step of the way with frequent communication on the loan progress.

We present options that others didn’t know existed

We search for solutions and enjoy the challenge of complex loans

We understand the complexities and requirements for a commercial loan application.

We explain our cost-structure from the outset so that you know what to expect.

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