Liberty Financial home loan review 2026. 27 years of specialist lending. Compare Liberty's free-thinking approach to alt-doc, self-employed, and credit-impaired borrower solutions.
Bluestone home loan review 2026. Specialist non-bank lender for credit-impaired and alt-doc borrowers. Compare Bluestone near-prime and specialist rates from 6.89%.
Pepper Money home loan review 2026. Australia's largest non-bank specialist lender. Near-prime, alt-doc, and specialist home loan products for borrowers outside mainstream criteria.
Non-bank home loan comparison Australia 2026. Compare Pepper Money, Liberty Financial, Resimac, and Bluestone rates, lending criteria, and alt-doc options for non-standard borrowers.
From February 2026, APRA’s 6× debt-to-income cap reshapes borrowing; non-bank lenders offer a workaround but at higher rates. Analysis of APRA, RBA and ASIC data. Information only, not advice.