Get the
Non-Bank Lending
Checklist

Why Non-Bank Lending Matters

Not every borrower fits the traditional bank box. Non-bank lenders provide flexible solutions for:

• Self-employed Kiwis with irregular income

• Borrowers with minor credit issues

• Property investors pushing the limits of bank rules

• Buyers with smaller deposits or unique property types

Understanding where non-bank lending fits can save you time, stress, and open doors that banks may close.

Who Should Consider Non-Bank Options?

When lenders assess your application, they’ll typically look at:

• You might benefit from non-bank lending if:

• You’ve been declined by a bank but still have strong income

• Your credit history isn’t perfect

• You’re consolidating multiple debts into one loan

• You need short-term or bridging finance

• You’re new to New Zealand without long income history

Common Roadblocks at the Bank

Banks often say “no” when they see:

• Inconsistent financial records or self-employed income

• Loan-to-value ratios outside their policy

• A property type they consider “non-standard”

• Debt-to-income ratios that don’t meet their rules

Non-bank lenders can be more flexible, looking at the full picture rather than just the numbers.

👉 Next Step

Download the checklist today and find out if non-bank lending could be the right fit for you.

👉 Once you’ve reviewed it, schedule a free chat with a Luminate adviser to talk through your options.