💼 Specialist Lending
Lending that fits when life doesn’t follow a standard form.
Not everyone ticks the same boxes — and that’s okay. Whether you're self-employed, working overseas, or managing a complex financial structure, we work with lenders who offer flexible solutions outside of the traditional loan model.
At Finance on the Coast, we help match you with lenders who understand your income type, profession, or property goals — and we’ll support you through the full application process.
💡 Specialist Lending Types We Assist With
👩💼 Self-Employed Mortgages
Your tax return isn’t the whole story.
We assist ABN holders, company directors, contractors, and freelancers to apply with lenders who understand non-standard income, trust structures, and business entities.
🔗 More on Self-Employed Borrowers →
🩺 Medico Loans
Doctors, dentists, and allied health professionals may qualify for specialised lending policies — including waived LMI, higher borrowing capacity, and unique income assessment.
We assist with finding the right lender and navigating the documentation requirements.
🔗 More on Medicos →
💼 High Net Worth Loans
For borrowers with multiple income streams, trusts, assets, or complex tax structures.
We help package your application and work with lenders who can offer flexible policies and strategic structuring.
🌍 Non-Resident & Expat Loans
If you’re an Australian living overseas — or a non-resident earning foreign income — we can assist with purchasing property in Australia through lenders who work with offshore income.
🌾 Rural & Agricultural Loans
Need finance for acreage, hobby farms, or regional lifestyle properties?
We can assist with loan applications for non-metro and agricultural lending.
🚧 Non-Conforming Loans
If your bank has said no — there may still be options.
We work with specialist lenders who look at your full picture and assess applications beyond credit scores and policy checklists.
✅ What You May Need to Provide
Because specialist lending varies, documentation requirements can include:
Tax returns or BAS
Business financials
Overseas income evidence
Trust or entity documents
Supporting credit history or loan explanations
We’ll help you prepare everything clearly and accurately.
🎧 Heard Us Talk About These on the Podcast?
We cover real-world lending scenarios — from self-employed clients to expats — on the Property & Mortgage Insights Australia 2025 podcast. If that’s how you found us, welcome!
📞 Unsure Where You Fit?
If your situation doesn’t fall into a neat category, you’re not alone. Let’s talk — and we’ll help figure out which lenders to approach.
🔗 Get Matched with a Specialist Lending Broker →
📞 Or Contact Us to start the conversation