When traditional lending doesn't fit
For borrowers who need more
If your financial situation doesn’t fit neatly into standard lending criteria, you may need a more considered approach. You don’t need to be in a difficult position — just a complex one.
Self-employed, variable or non-traditional income
Borrowing through a trust or company structure
You have multiple properties or investments
Looking to refinance, release equity, or restructure
Turned away by other lenders despite strong fundamentals
Lending that understands business owners
At ORDE, we know that income doesn’t always come with a payslip — especially if you're self-employed or running a business. That’s why we offer flexible ways to verify your income, using just one of the following:
A signed Accountant’s Declaration
Business Activity Statements (BAS)
Bank statements
That’s it — straightforward, flexible and built for real-world borrowers.
Working with trusts? No problem.
We regularly work with unit trusts and complex structures — and make it easier than most lenders. Here’s how
No restrictions on unit trusts
Income can be verified with an Accountant’s Declaration.
Corporate trustees are accepted
We just need personal guarantees from directors and major shareholders.
Only one declaration is needed
Even if multiple trusts are involved – just include all relevant ABNs or trust names.
Residential construction loans with more built in
Our construction loans are designed to support the full scope of residential building — whether you're purchasing a house and land package, starting a new build, or undertaking a significant renovation with a licensed builder.
We offer structured funding with progress payments aligned to your build. Once the build is complete, the loan automatically converts to a standard residential product, with up to a 30-year term — so you are supported well beyond the construction phase.
A smarter way into Commercial
Our commercial loans are designed for flexibility, with a wide range of acceptable securities, tailored income verification options, and no annual reviews or revaluations.
Whether you are a business owner, investor or trading entity, we offer loan structures that fit, plus unlimited cash out for business or investment purposes. We focus on practical lending with more options and fewer roadblocks.
ResidentialTo suit more types of borrowers
CommercialTo set new commercial lending benchmarks
ConstructionTo make construction lending easy
SMSFTo help Australians invest in their future through property
PrestigeFor high value homes
Residential BridgingTo help borrowers get into their new homes sooner
Retained StockTo make the most of completed projects
Highest and Best UseTo support future development potential
Vacant LandTo unlock value from vacant land
Short-Term Interest OnlyFor short-term financial objectives
ExpatFor leveraging foreign income
Non-ResidentTo help more borrowers invest in AustraliaHear from our borrowers
The ORDE team readily worked through my complex loan application, developed a solution and met a short settlement deadline.
It has been such a hassle free transaction! I really appreciate the professionalism and attention to detail throughout the whole process. Great work.
I would like to thank ORDE Financial and the team for their excellent customer service, support and dedicated work.
While I've been going through a difficult time, your team has been very supportive and understanding. Thank you.
I have never had such a prompt and positive response to a request. Your organisation has been exceptional from the first contact I had.
Your top questions, answered.
We’ve pulled together a list of common questions to help you easily get the answers you need.
ORDE accepts loan applications directly from our national network of accredited mortgage brokers.
To apply for an ORDE loan product, please contact a licensed broker who can assess your needs, recommend suitable products, and manage your application process.
If you don't have a mortgage broker, get in touch with us and we’ll connect you with one in your area.
We believe brokers are best placed to understand borrowers' needs and navigate complex lending scenarios. By working exclusively with brokers, we ensure every application is guided by a qualified professional.
Yes, we accept refinance applications through accredited brokers from both bank and non-bank lenders.
ORDE doesn’t rely on comprehensive credit scoring to make lending decisions. Instead, our experienced team takes a human, commonsense approach to every application. We take the time to understand your past to support your future – even if your credit history isn’t perfect. Speak to an accredited broker to see if an ORDE loan is right for you.
Rates depend on loan type, LVR, borrower profile, and documentation.
If you are a broker, please see the ORDE Broker Product Guide for full rates and product specifications, or speak to your dedicated BDM.
If you are a borrower, please speak to your broker, who can give you a personalised indication based on your situation and needs.
