Non-Bank Lending
Have you been turned down by the banks? Need an expert opinion on whether you are likely to meet bank lending criteria before wasting hours of your time?
There is a growing market for Non-Bank lending institutions.
The main banks can take a conservative lending approach to certain risks within lending applications. This does not mean you are necessarily unworthy of borrowing money; it may mean that alternative lending options are required to be sought.
We have access to a variety of non-bank short and longer-term lending solutions and are enthusiastic about finding you the right option for you. It is important that skill and diligence are exercised with this more specialised lending; an inferior solution may end up costing a dramatic additional amount if the wrong non-bank is recommended and an offer is accepted by you.
An ‘Exit strategy’ is also an integral part of this conversation with an adviser that has your best interests at heart or if the solution is a long-term solution, then understanding this upfront. Your finance arrangement may only sit with a non-bank lender for a brief time. We can approach a bank when and if you meet their criteria. We will explain this in our written advice to you to convey clear expectations and to enable a material understanding of this, as part of the professional process we undertake for you.
If upfront fees are applicable, we will discuss with you as part of our Nature & Scope of Advice process, at the initial stages of engagement.
Getting you finance through a main bank is always the priority, if it is viable.
Get started with RSFA
With over 20 years of industry experience, Rod and his team provide expert guidance and top-notch service to help you achieve your financial goals. Reach out to our team today.
Understand your finances with our financial analysis tools
RSFA Financial Advisers leverage Planolitix to provide clients with comprehensive financial planning and advanced data analysis, ensuring tailored solutions for optimal financial outcomes.
By utilising this sophisticated tool, RSFA Financial Advisers enhance decision-making processes and maximise investment strategies for their clients.
Useful Calculators for Non-Bank Lending
Our website offers a variety of easy-to-use financial calculators designed to help you make informed decisions.
Frequently Asked Questions
Non-bank lending involves borrowing from financial institutions that are not banks, such as credit unions, building societies, or private lenders. These lenders often offer more flexible terms, quicker approvals, and tailored solutions compared to traditional bank loans.
Contact our award-winning team and experience the difference
justin Engels14 May 2024Excellent service from a company that always had our best interests at heart. Without them we woukd not have been able to have our first home.
Ma Pamela Therese Gaddi26 April 2024I would to thank Anne Zablan-Balila for helping us secure our first home! You are very hands on, knowledgeable and always willing to help and you have so much patience in answering all of our concerns! You guided us and you were present every step of the way! I highly recommend Anne Zablan-Balila of Rob Schubert Financial Advice to be your mortage adviser and I am sure you can secure your first home too. I will definitely seek your expertise if given another chance to secure a property in New Zealand! I am one of many satisfied and happy client! Thank you so much Anne!
Amy Po-Ching26 April 2024I have worked with Rod as my adviser for many years now and he always takes the time to understand my needs to ensure he can deliver on what is required. I have found him to be thorough, diligent, honest, hard working and always striving to do the best he can by me. He is personable, professional, and I highly recommend him.
giancarlo maturan21 April 2024I would like to give thanks to Anne Balila from RSFA for helping us get our first home. I admit it wasn't easy but Anne was always there to assist us and made the journey smooth and less complicated. I will definitely recommend her and RSFA to my friends who are also thinking of getting their new homes.
Corrinne Pillay16 April 2024We’ve been clients of RFSA for a few years now. Our experience with Rod and the team has been awesome and the service we receive from Rod has been second to none. His persistence and diligence to get the best rate for his customers has been a standout for us. Rod has immense patience with Clients and treats out portfolio as if it was his own, with attention to detail and going to task to ensure we always get what’s best for us. The collaborative way in which this team works ensures that our best interest are always at the forefront.
Dave Stokes16 April 2024Rod and his team were able to work the magic for us that the others weren't. His professionalism and willingness to go the extra mile has been greatly appreciated. I highly recommend Rod to anyone looking for expert mortgage advice.
Georgia Ross15 April 2024Great service! Efficient and reliable. Can’t thank you guys enough!
Michael Davies10 April 2024Rod and the team at SFA have been fantastic to deal with throughout our process. They achieved a higher result than we had been led to believe would be possible and made the whole process easy even when there were hurdles placed in the path. We highly commend Rod for his professionalism, patience, and diligence and have no hesitation in recommending Rod, and the team at SFA, to assist with your financial goals.
Matt Crawford20 February 2024Would highly recommend Rod and his team, they are great to work with. Was first introduced to Rod a decade ago and have continued to benefit from his knowledge and experience over the years. He works hard to get results and pushes to get everything lined up even when the banks are dragging their heels.
John Funnell5 December 2023Rod and his team where brilliant to deal with and where all over every detail of the process. Cheers, John & Paul!