Are You A Non-bank Lender?

GET HELP FROM THE LENDING EXPERTS.

The lending team at OneStop regularly work with a number of Non-bank lenders and have years of experience in non-bank sector. It’s not always possible to get a loan with the bank, low deposits, less than ideal credit or self-employment can be a few things that make getting a home loan from a main stream bank difficult. This is where non-bank lenders come in to play. While the process is much the same, they get to be a bit more lenient and take a different approach to your normal banks, as they are not governed by the Reserve Bank of New Zealand.

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High LVR Lending

LVR’s or loan to value ratios are a common term thrown around when talking about home loans. This is a rule implemented by the Reserve Bank of New Zealand and dictates and limits the banks lending on purchases with less that a 20% deposit. Banks are only able to use a certain amount of available lending for those low deposit loans. This means banks will usually only consider existing customers, if you are unsuccessful in getting a low deposit loan from your own bank second-tier or non-bank lenders can be an excellent alternative.

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Self Employed Lending

Getting a home loan through a mainstream bank can be tricky without 2 years financial statements. However, this isn’t always possible so instead of letting time tick by, explore your alternative options. At OneStop we have been successful in getting home loans for those self employed for less that 2 years with non-bank lenders instead. There are still a few key requirements, being:

Must have been trading for at least 6 months and have the relevant experience or qualifications (not a brand new business in a brand new industry)
Maximum 80% lending
Income must be within typical industry limits

Less than Ideal Credit

Having bad credit or defaults on your credit report can hinder your chances in getting a home loan. Banks are typically pretty harsh when it comes to poor credit history and it usually reduces your chances of getting lending through them. We understand that mistakes happen, or some things are out of our control and non-bank lenders typically have a more favourable approach when it comes to credit history, making them a great option when the main banks don’t come to the party.

If you haven’t been able to successfully get a mortgage through a main bank for any reason, have a talk to our team today and see what your other options may be.

See what our clients have to say

Social Rating

5.0

Based on 27 reviews

OneStop Financial Solutions

5.0

Dominic Earl-Peacock

23:37 04 Dec 23

Matt Has provided me some great information on both my kiwi saver and insurance. He was able to save me money as well as get me more coverage on my current policy. His kiwi saver information was fantastic. Matt took the time to understand my needs and morals around where my money would be invested and provide me a couple of options to look at. If you want someone who has lots of information up to date on technology and provide you honest and good results Matt is your guy

Terry Hill

18:59 03 Oct 23

This is now the second time I have used Matt for his financial services and he delivered again in a rough period for banks lending too. I would definately recommend him to anyone looking for a broker as he makes the whole mortgage process very simple. Thanks Matt for all the amazing work you have done for us!

Josh Kumar

22:13 27 Sep 23

Using Matt and his team was a game-changer. From the get-go, their clarity in communication and promptness in response stood out. Their in-depth knowledge of products across home loans, insurance and KiwiSaver gave me the confidence that I was making the right choices. The cherry on top? Their warm and welcoming nature that made the entire process feel like a breeze. A great experience from start to finish – can't recommend them enough!

Brenda Lesser-Dorfling

02:36 27 Sep 23

Matt & team. Thanks for the super effort and guidance through the mortgage application process. Best in the business and can highly recommend Matt's services.

Ngawai Henare

02:06 31 Jul 23

A couple of years ago Matt showed me an amazing spreadsheet which led to me buying another house which I’m about to settle. Everyone should know what Matt taught me. He and his team have been amazing with their advice and facilitation of everything. Can’t speak highly enough about Matt and his team.

Marie Kite

21:14 26 Jun 23

Matt is awesome to work with. Made purchasing our 1st home easy

VIKAS JARIYAL

02:42 01 Mar 23

Matt and his team is really great at what they do... always keep you posted on the proceedings and give genuine advice.Keep up the great work @Matt Willoughby

Damian Sycamore

21:12 08 Dec 22

Patient and knowledgeable. Matt guided us through our first home purchase and, a few years later, organised insurance for the family (with a pretty non-standard situation and series of requests). Thanks again!

Angie F

21:21 29 Nov 22

I absolutely 100% recommend Matt. Not only is he damn good at what he does, Matt also humanises the whole industry and process. Before Matt was my broker I found everything so daunting but Matt made everything easy and took so much stress off me - giving so much help, guidance and simplifying every step of the way. Most importantly, he made getting my dream home happen!

Mitchell Nock

09:34 11 Nov 22

Matt is a highly efficient professional. He’s a pleasure to deal with and was very helpful in coming up with a plan that suited our situation.He’s an investor himself so can provide sound advice around building a property portfolio unlike a lot of brokers who only know loans and insurance.I highly recommend his services and look forward to using Matt again for our next investment property.Thanks mate 😁

Dan Frost

19:16 08 Nov 22

Matt is an excellent financial advisor who guided us through the tricky process of securing our mortgage. Very thorough and professional, yet friendly and relatable would be how I would describe Matt’s approach.

Nicole Faulkner

21:23 02 Oct 22

We were over the moon when we found out our finance had been approved for this beautiful home. We purchased a home for our parents as they were getting the boot out of their rental and it was important that we gave them a stable home. Would definitely recommend these guys and will return.Thanks again Matt

Gavin Woodward

21:57 19 Oct 21

Matt and the One Stop team were incredibly helpful securing my mortgage and insurance. He thought out side the box and worked hard to overcome a few hurdles along the way. He was incredibly professional yet relatable and approachable. He made my first home buying experience incredibly smooth and easy. Thanks Matt!

Baby Online

04:58 08 Jun 21

A great help. made things so much easier for us

Olivia Atrushi

02:47 08 Jun 21

Wow what can I say, my first home buying went so much smoother than I ever imagined! I knew absolutely nothing about mortgages and Matt had explained everything in terms I could totally understand. He made the whole process smooth and seamless, without much work from us because him and his team had done it all! Thank you so much for everything you've done so far 🙂

Logan Evans

01:20 22 Apr 21

ea faletau

04:10 16 Apr 21

Matt Willoughby and TeamProfessional, Caring and ProactiveWords cannot explain how grateful we are to work with Matt and his team to buy our very first home. They made the impossible possible. We were delighted by their professionalism and how proactive they were throughout this whole process. Matt and team got our trust from day 1 cos he showed that they care and will do everything possible to make things work. To Matt, Dave and the rest of the Team Matt Willoughby East Tamaki. Thank you so much for your guys relentless effort. We are proud first home owners and we forever appreciate you.

Natalie C

08:28 07 Apr 21

Matt was easy to work with and did a great job of negotiating good rates for our mortgage. Our pre-approval came through really quickly thanks to Matt and his team. We found the advice received on how to structure the mortgage very clear and helpful.

Matt Setefano

19:42 24 Feb 21

Matt and his team were amazing during the entire house hunting and purchasing process. We crossed the line with a wealth of knowledge thanks to Matt taking the time to simplify and considerately interpret the sometimes confusing nature of having a mortgage. Thanks again.

Paul Norman

05:35 29 Sep 20

I will recommend Matt to everyone. My partner and I owe him for helping us get into the Auckland property market. Not only is he professional, simplifies the daunting process of purchasing a home. He is always a phone call away when you have any questions (very quick in returning a call).When issues or concerns were raised by the bank, Matt went into fight for us and got us across the line.Thanks Matt, five stars ⭐️ ⭐️⭐️⭐️⭐️

Dominic Schryvers

23:01 18 Mar 20

Matt and his team were awesome at helping us into our first home. They were professional, communicative and would go out of their way to ensure that we were tended to at every stage of the process.

Vaioleti Atiola

03:08 21 Feb 20

My husband and I had a 3year goal in place to buy our first home. A friend of ours told us about Matt Willoughby so i sent him a text. Matt and his amazing team were able to help us buy our first home in less than 6months. What seems impossible quickly became a reality for us.Although a few hiccups on the way, matt was able to quickly fix it and inform us along the way. Ive seen people go through this process of buying a home and being stressed, but our experience was great! absolutely recommend Matt and his team.Thanks again Matt and team for helping us.

Melanie Boyce

05:06 28 May 19

Our dream of being first home buyers seemed unreachable until we found Matt! Thankyou so much for the awesome advice and encouragement along the way. Excellent!!

Tim Booth

01:15 23 May 19

We would not have been able to fulfill the kiwi dream and buy our first home if it was not for Matt Willoughby Ltd. They respond quickly and were able to communicate in a way that let us understand the entire process. Will use again for any lending in the future.

Shane Henderson

03:24 08 Mar 19

Absolutely fantastic, really communicative and patient for a first-home buyer that hasn't gone through this process before. Would highly recommend his services.

Flo & Geoff

20:45 20 Dec 18

Matt Willoughby you have helped both me and my partner so much! You have exceeded all expectations and gone above and beyond! Matt helped me and my partner re-finance our mortgage he helped us with everything! It was a struggle as it felt like everything that could go wrong went wrong but he persevered and not only got us a "good" interest rate he got us the BEST interest rate and the BEST repayments. I would highly recommend Matt as he makes the impossible happen and doesn’t pass that stress on! Matt you are amazing take credit you deserve this so much you literally ease the stress and you take the weight off your client’s shoulders! You have done an amazing great job Thank you SOOOOOOOOOOOOOO MUCH 100+ Stars 🙂

Laura Thompson

20:10 06 Dec 18

So helpful! Matt helped secure us a really good rate with great cash back and a loan structure that will take years off our mortgage!