direct access to credit team experienced and capable staff residentially secured loans (including vacant land) unlimited arrears unlimited credit impairment including bankruptcy Direct access to credit team Experienced and capable lending professionals Residentially and commercially secured loans (including vacant land) Partially constructed security properties Credit Impairment Short-term ABNs Australian citizens with overseas income Unusual income types Low-doc income verification Debt consolidations Self-employed borrowers Non-conforming lending Near-prime lending