Australia's front door
to non-bank lending.
APRA regulation excludes thousands of creditworthy Australians from bank lending every year. Non-bank lenders are exempt and originate over $72 billion annually. Anbi provides the structured assessment, lender matching, and origination infrastructure to place those loans.
In non-bank loan originations in FY2025. Growing at 25.3% year-over-year versus 3.9% for major banks.
Of all new Australian mortgages originate through the broker channel. 22,002 active mortgage brokers as of late 2025.
Despite its scale, the non-bank market operates with minimal infrastructure. No consumer brand exists for non-bank lending. Credit policies are opaque and fragmented. Borrowers who are declined by a bank receive no systematic guidance toward non-bank alternatives.
APRA's DTI cap, effective February 2026, permanently excludes a growing segment of creditworthy borrowers from bank lending. For investors with multiple properties, the cap frequently prevents borrowing even with strong income and clean credit. Non-bank lenders are exempt. Most borrowers don't know this.
Not a broker. The intelligence layer.
Thousands of creditworthy Australians are declined by banks each year, not because they are bad risks, but because the rules do not fit their situation. Anbi is the systematic answer. We assess your scenario, match it to the right non-bank lender, prepare a submission-quality package, and manage the process to settlement.
Intelligent assessment
Adaptive intake that builds a complete credit picture. Scenario analysis in real time. Your pathway identified before a single document is submitted.
Full panel access
Access to Australia's full non-bank lending panel, not the 2-3 lenders a typical broker knows. Matched to your specific profile before any credit enquiry is lodged.
Submission-grade packaging
Every file reviewed, cross-referenced, and packaged with a written credit narrative. Lenders receive complete files. First-pass approval rates are materially higher.
Speed to approval
Non-bank lenders operate with direct credit teams and no committee structures. Conditional approvals in 24-48 hours. Formal approval within 5 business days.
Which scenario describes you?
Each pathway maps to a different lender panel, documentation requirement, and credit consideration.
Self-employed
SE investor, alt-doc
ABN 2yr+, investment strategy
DTI-capped
PAYG, multiple properties
APRA cap breached
Adverse credit
Prior events, now resolved
Specialist pricing available
Construction
Build-to-own
Progress drawdown finance
SMSF lending
Super fund property
Specialist SMSF products
Foreign income
PR or citizen, offshore income
Non-bank assessment
Trust structure
Family or unit trust
Alt-doc income pathway
Low doc
Limited documentation
Bank statement analysis
Rural property
Non-metro security
Regional lending criteria
Commercial
Business premises
Commercial non-bank
Short ABN
Under 24 months
Specialist lender panel
Equity release
Existing property
Cash-out refinance
Near-prime
Minor adverse history
Priced for risk
Bridging
Pre-sale or settlement gap
Short-term facility
Mixed income
PAYG + rental + business
Blended income assessment
Auction finance
24-48hr conditional
Pre-approval for competitive bids
Self-employed
SE investor, alt-doc
ABN 2yr+, investment strategy
DTI-capped
PAYG, multiple properties
APRA cap breached
Adverse credit
Prior events, now resolved
Specialist pricing available
Construction
Build-to-own
Progress drawdown finance
SMSF lending
Super fund property
Specialist SMSF products
Foreign income
PR or citizen, offshore income
Non-bank assessment
Trust structure
Family or unit trust
Alt-doc income pathway
Low doc
Limited documentation
Bank statement analysis
Rural property
Non-metro security
Regional lending criteria
Commercial
Business premises
Commercial non-bank
Short ABN
Under 24 months
Specialist lender panel
Equity release
Existing property
Cash-out refinance
Near-prime
Minor adverse history
Priced for risk
Bridging
Pre-sale or settlement gap
Short-term facility
Mixed income
PAYG + rental + business
Blended income assessment
Auction finance
24-48hr conditional
Pre-approval for competitive bids
From assessment to settlement, structured.
Complete the assessment
Complete a structured scenario assessment covering your income type, documentation pathway, borrowing objective, credit profile, and timeline. No credit enquiry is lodged at this stage.
Receive your pathway document
Your assessment generates a personalised pathway document identifying your scenario, applicable lender categories, documentation requirements, indicative rates, and what to prepare.
Operator review and lender matching
A specialist reviews your scenario and matches it to the two or three lenders on our panel most likely to approve your loan given your specific profile, before any credit enquiry is lodged.
Structured submission
Your operator prepares a complete, lender-formatted submission package. Credit policy pre-checked. Documentation verified. Submitted to lender with a written scenario narrative.
Five structural advantages you cannot get from a bank.
Non-bank lenders are not APRA-regulated. That distinction translates into specific, measurable lending flexibility that banks are legally prohibited from offering.
DTI exemption
APRA's debt-to-income cap (effective February 2026) restricts banks to 6× income. Non-bank lenders are not APRA-regulated and are not subject to this cap. Borrowers with DTIs of 7×, 8×, or 9× remain eligible.
Serviceability buffer
APRA requires banks to assess borrowers at the actual interest rate plus 300 basis points. Non-bank lenders assess at lower floors, typically the actual rate plus 100-200bps, materially increasing borrowing capacity for the same income.
Alt-doc income
Banks require payslips or tax returns. Non-bank lenders accept accountant declarations, BAS statements, and bank statement analysis as substitutes for traditional income evidence, opening the market to self-employed borrowers.
Adverse credit tolerance
Most banks decline automatically at any adverse event. Non-bank specialist lenders price for adverse credit (defaults, judgments, Part IX) based on recency, cause, and amount. Pricing reflects risk. Approval is not automatically precluded.
Speed to approval
Non-bank lenders operate with direct credit teams and no committee structures. Conditional approvals in 24–48 hours are standard. Formal approvals within 5 business days. Useful for auction purchases and time-sensitive refinances.
Refer. We place.
You earn.
Accountants, buyers' agents, financial planners, and migration agents regularly encounter clients who are creditworthy but structurally excluded from bank lending. Referring those clients to Anbi creates a commission income stream with zero compliance burden.
- Referral commission paid on every settled loan
- No licensing or compliance requirement for the referring party
- Co-branded assessment links for your client communications
- One-business-day turnaround on referral scenario assessment
Accountants
01Your self-employed clients need specialist credit. You understand their income structure. We place the loan and pay you a referral commission on settlement.
Buyers' agents
02Finance delays kill purchases. We deliver conditional approvals in 24–48 hours and formal approvals within 5 business days. Pre-approved clients give you negotiating certainty.
Financial planners
03Property credit sits outside most financial planning scopes. Your clients still need it. We handle origination and compliance. You receive commission on each settled referral.
Migration agents
04Newly arrived permanent residents with offshore income history face systematic bank exclusion. Non-bank lenders assess foreign income. We understand these applications.
ACL under the National Consumer Credit Protection Act 2009
All assessments comply with responsible lending obligations
All origination commissions are paid by the lender on settlement
Personal data collected only after written consent at portal entry
Ready to begin
Find your pathway in under five minutes.
Your email is used only to send your pathway document. No credit enquiry is lodged and you are not added to any marketing list. You receive a structured pathway identifying your scenario, lender category, documentation requirements, and next steps.