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When banks say no or slow things down with endless paperwork, non bank lenders in Australia offer a real alternative. These lenders have stepped up for everyday Australians who need faster answers, flexible terms, and less red tape.
At Marway Capital, we’re proud to be part of that group. We’re private lenders who specialise in helping borrowers across Australia access finance when the banks can’t or won’t help. Whether you’re self-employed, short on documentation, have complex income, or simply need a solution that doesn’t fit into a neat banking box, we’re here to get the deal done.
The demand for non bank lenders in Australia has exploded over the past few years. With more people working for themselves, owning businesses, or investing outside the traditional system, the need for lenders who understand real-world situations has never been greater. That’s where we come in.
In this article, we’ll explain what the best non bank lenders are, how they work, and why more Australians are turning to us every day to keep their plans moving.
What is a Non Bank Lender in Australia?
A non bank lender in Australia is a finance company that provides loans without being a traditional bank. They don’t take deposits like a bank does, but they offer lending solutions like home loans, commercial loans, business finance, and short-term lending. In simple terms, they’re focused only on lending without the extra layers of red tape that banks pile on.
The best non bank lenders are fully legal and regulated in Australia. They still have to meet responsible lending guidelines, but they’re not restricted by the same tight policies that banks follow. That’s why they are often faster, more flexible, and able to help people that banks knock back.
If you’re self-employed, have non-standard income, a complicated business structure, or simply need a deal that doesn’t fit the bank’s narrow approval box, non bank lenders step in and offer real solutions. They’re a huge part of why more Australians can keep moving toward their goals, whether that’s buying property, growing a business, or refinancing to get some breathing room.
At Marway Capital, we’re proud to be part of this space. We offer flexible lending to borrowers who need a smarter, faster way forward when the banks say no.
Is a Non Bank Lender the Best Choice For You?
Choosing the right lender comes down to what you need, how fast you need it, and how much paperwork you’re willing to deal with. Non bank lenders in Australia have carved out a strong space because they offer something the big banks often don’t, speed, flexibility, and real-world lending.
Let’s break it down properly.
Pros & Cons
The biggest advantage of working with a non bank lender is flexibility. If you’re self-employed, have complicated income, are recovering from a few credit issues, or just need fast funding, they will always give you a better shot than a bank. You’re dealing with real people, faster approvals, and less time wasted arguing over documents.
Another major pro is that they often tailor loans to fit. Where a bank might say no because you missed one tiny detail, they will look at the bigger picture.
The downside is that the interest rates are a bit higher than what you’d get at a big four banks. You’re paying for access, speed, and flexibility, not the cheapest possible rate. Also, because non bank lenders aren’t household names like the big banks in Australia, some borrowers feel more comfortable sticking with what they know, even if it’s slower or harder.
For a lot of borrowers though, that small extra cost is worth it when it means actually getting the finance they need without months of stress.
Should You Choose a Traditional Bank or Non Bank Lender in Australia?
If you’ve got a good financial history, steady 2 year PAYG income, a deposit, and are not limited to short deadlines, a traditional bank will most likely be the better option. That’s the reality.
But if you’re self-employed, investing, managing cash flow differently, or dealing with a situation banks don’t like, a good non bank lender is the smarter call. You’ll get faster answers, more flexible terms, and a better chance of approval without fighting through endless layers of bank bureaucracy.
At Marway Capital, we work with borrowers every day who just need a lender that sees the full picture, not just a line on a credit report. If you want real answers without the bank headache, we’re here to help.
Marway Capital - A Trusted Non Bank Lender Australia Wide
At Marway Capital, we make finance simple. We’re private lenders who believe accessing a loan should be straightforward, fast, and built around your needs, not stuck behind endless paperwork or outdated processes.
Drawing on over 40 years of experience across banking, business, and property, we set up Marway Capital with one goal in mind, to deliver smarter lending solutions for borrowers who the banks overlook. We offer flexible options, quick approvals, and direct communication, without the usual hurdles that slow down traditional finance.
We work side-by-side with brokers, accountants, financial advisers, and legal professionals to offer custom lending options across residential, business, and cash-out loans.
As one of the best non bank lenders in Australia, we focus on real results, not rigid rules. You’ll get honest answers, fast decisions, and a clear path forward from the moment we start working together.
What Loans Can Marway Capital Offer?
At Marway Capital, we offer a wide range of flexible lending options to suit borrowers who don’t fit the traditional bank mould. As trusted non bank lenders in Australia, we specialise in finance solutions that are fast, practical, and built around real needs, not ticking boxes.
Here’s a closer look at the types of loans we can offer:
No Doc Residential Loan
For borrowers who need a residential loan but don’t have traditional proof of income. Perfect if you have equity, a clear exit strategy, and need to move quickly.
No Doc Commercial Loan
A straightforward option for purchasing or refinancing commercial property without the need for full financials. We focus on the strength of the deal, not paperwork.
SMSF Loans Australia
We offer SMSF lending solutions to help you invest in residential or commercial property through your self-managed super fund, with flexible structures to suit your fund’s needs.
Low Doc Residential Loan
Ideal for self-employed borrowers who can supply some limited financial evidence, like BAS statements or an accountant’s letter, but not full tax returns.
Low Doc Commercial Loan
Designed for business owners and investors looking to purchase or refinance commercial property with limited documentation.
Low Doc Construction Loan
Flexible funding options for building or major renovation projects when traditional banks say no. We work with builders, developers, and individuals who need tailored finance without delays.
Jumbo Mortgage Loans
If you’re looking to fund a high-value property, we offer large mortgage loans with flexible documentation requirements and fast approval processes.
Ultra LiteDoc Loan
A streamlined option for borrowers who can supply very minimal paperwork. Suitable for urgent settlements, refinancing, or quick cash-out scenarios where time is critical.
Every loan is assessed on its own merits. We look at the full story, the asset, the plan, and your goals, not just the paperwork.
Contact Us to talk about which option might be the best fit for you.
Contact Us For Loan Details and Any Other Information
We’re ready to help. We make the process simple – real conversations, quick answers, and solutions built around what you actually need.
Whether you’re self-employed, buying property, refinancing, or just want to explore better lending options, we’ll give you straight answers and clear next steps. No confusing paperwork. No waiting around for weeks. Just real support to help you move forward.
If you’d like to know more about our no doc, low doc, construction, or SMSF loan options, or if you’re unsure which product is the right fit, reach out. We’re happy to walk you through your options and put together a solution that works.
Contact us today to have a quick chat about your plans, no pressure, no obligation. Just clear advice from trusted non bank lenders in Australia who actually get it.
List of Non Bank Lenders in Australia
There are several trusted non-bank lenders offering private mortgages in Australia. Marway Capital has a more personal service offering fast, flexible solutions tailored to complex or time-sensitive scenarios. Other well-known non-bank lenders include Pepper Money, Liberty Financial, Resimac, La Trobe Financial, Firstmac, and RedZed. Each offers different products and criteria, but they all provide alternatives when traditional banks can’t help.
FAQs
Who is the largest non-bank lender in Australia?
Some of the biggest names in the non-bank lending space include Pepper Money, Liberty Financial, and La Trobe Financial. These lenders operate at a larger scale and cover a wide range of loan types. While they’re great for certain borrowers, many people still prefer working with smaller lenders like Marway Capital when they want faster answers, more personalised service, and flexible deal-making.
Are non bank lenders safe in Australia?
Yes, non bank lenders in Australia are regulated and must comply with responsible lending laws just like banks. They’re governed by ASIC and follow strict rules around how loans are assessed and provided. The key is to work with a reputable lender who is upfront about their terms, like Marway Capital.
What are the disadvantages of non-bank lenders?
The main disadvantage is that interest rates are slightly higher than those offered by the big four banks. You might also find that some non-bank lenders have tighter restrictions on certain types of properties or locations. But for many borrowers, the speed, flexibility, and approval chances outweigh those minor trade-offs.
List of the best non bank lenders in Australia
There are quite a few active non-bank lenders across the country. Some of the better-known names include Pepper Money, Liberty Financial, Resimac, La Trobe Financial, Firstmac, and Bluestone. Private non bank lenders like Marway Capital also play a big role, especially for borrowers who need custom solutions and faster turnaround times.
Who are Tier 1 lenders in Australia?
Tier 1 lenders usually refer to the major banks: Commonwealth Bank, Westpac, NAB, and ANZ. They’re the biggest players with the widest range of products. Some of the best non bank lenders, while not Tier 1 in size, often offer more specialised solutions for borrowers who need something outside the usual.
What is the difference between a bank and a non-bank?
Banks offer full financial services, loans, credit cards, savings accounts, and transaction services. Non bank lenders, on the other hand, focus only on lending. They don’t take deposits, but they can offer mortgages, business loans, construction finance, and more.
Are nonbank lenders dominating the mortgage market in Australia?
Non bank lenders are growing fast in Australia. Over the past few years, they’ve taken a bigger share of the mortgage market, especially for borrowers who can’t tick all the bank boxes. Self-employed borrowers, small business owners, and investors are leading the shift toward non bank lenders for better service and faster approvals.
The best non bank lenders Australia
Some of the top non bank lenders include Pepper Money, Liberty Financial, La Trobe Financial, and Resimac. But it’s not just the big players. Private lenders like Marway Capital are increasingly popular with borrowers who want tailored, flexible solutions rather than a cookie-cutter loan.
What’s the difference between a non bank lender and a private lender?
All private lenders are non bank lenders, but not all non bank lenders are private lenders. Non bank lenders are usually companies offering structured lending products under regulatory supervision. Private lenders can sometimes be individuals or smaller groups offering more flexible, case-by-case funding. At Marway Capital, we offer private lending solutions with the professional structure of a trusted non bank lender, giving you the best of both worlds.
*Conditions Apply. For company borrowers with ACN for business purposes*