Not everyone fits the banks’ strict one-size-fits-all rules, and that’s okay.
Whether you are self-employed, have a complex credit history, or simply do not meet traditional criteria, Genesis Mortgages helps you find the lender who looks at your whole story, not just a credit score.
Non-bank lenders are reputable, fully regulated financial institutions that provide home loans and business finance outside the major banks.
Non-bank lenders are not bound by the same rigid internal policies as major banks, so they can often assess complex situations with more flexibility.
We do not just find you a loan. We manage your exit strategy, with the goal of helping you move back to a mainstream bank when you qualify.
We create a roadmap to help repair credit or build trading history so you can refinance back to a bank later.
We work with specialist lenders who may not deal directly with the public.
We translate your complex financial position into a clear lending case for credit managers.
We leverage direct relationships with credit teams to help move applications faster.
We review your pathway so you are not stuck in a non-bank loan longer than needed.
We give clear, supportive advice so you understand both the benefits and trade-offs.
Ideal for business owners using alternative documents, such as an accountant’s letter, to prove income.
For people who have faced life hurdles, such as illness or redundancy, that impacted credit history.
For borrowers with solid property security who do not quite meet bank deposit requirements.
Short-term, interest-only funding to help you move between homes without the stress of simultaneous settlements.
We dive into your story to understand why the banks said no and identify your application strengths.
We filter through our non-bank panel to find a lender whose appetite matches your situation.
We package bank statements, GST returns, or letters of explanation into a strong proposal.
We use direct relationships with credit managers to help secure a conditional yes in days, not weeks.
We coordinate valuations and legal paperwork to help ensure funds are ready on time.
We monitor your progress with the goal of refinancing you back to a main bank as soon as you qualify.
Yes. They are regulated under the same New Zealand consumer protection laws as the big banks.
Often yes, but this is the trade-off for the flexibility they provide while we work on your bank-ready pathway.
Most non-bank lenders allow flexible repayment terms, which we will negotiate on your behalf.
Cash-back offers are less common than with banks, but some specialist lenders do offer incentives which we will always pursue for you.
A bank decline is just one opinion. Let’s find the lender who sees the potential in your future, not just the boxes in your past.
View our Google Reviews and see how Genesis Mortgages has helped clients move forward after bank declines.
We compare options across a wide network of trusted lenders to help you secure the right loan structure for your goals.
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