Non-Bank Lending: Why Brokers Are Turning to Assetline for Solutions That Work

As market conditions tighten and client scenarios grow more complex, brokers across Australia are increasingly looking to non-bank lenders for practical, outcome-driven finance solutions. But what truly sets non-bank lending apart, and why does Assetline continue to stand out?

We spoke to members of the Assetline NSW team to shed light on the truth behind non-bank lending, debunk misconceptions, and highlight how Assetline is helping brokers deliver real results for their clients.

Read on for insights from NSW State Manager Laura Stanley, and Business Development Managers Celia Li and Jamie Crooks.

Myth-Busting Non-Bank Lending

One of the most common misconceptions about non-bank lenders is that they approve the deals banks won’t touch. As Jamie Crooks clarifies, that simply isn’t true.

“We have set parameters around what we’re looking for. Just because a bank says no, that doesn’t automatically mean we’ll say yes. We’re selective and strategic in our approach.”

Assetline is not a fallback. It’s a first-choice partner for brokers who want tailored, credit-backed solutions – delivered quickly.

A True Solutions-Based Approach

At Assetline, the goal is to find a solution to each scenario across our vast loan offering. As NSW State Manager Laura Stanley explains brokers often approach the Assetline team seeking private lending for urgent scenarios, but then they end up with better alternatives:

“A broker might call in a panic needing a private loan, but once we review the scenario, we often find the deal fits into our Clinch Bridging or Horizon Mortgage products – like a divorce or downsizing situation. That’s the power of having a versatile product offering.”

Assetline’s solutions-based model ensures brokers aren't left trying to force fit their clients into the wrong product.

Building Trust Beyond the Transaction

For the Assetline team, supporting brokers means fostering long-term, trusted partnerships. Celia Li shares:

“I get to know brokers and clients personally. Some of them share family stories with me. When you genuinely care and listen, that trust grows naturally.”

This personal approach is one reason brokers consistently return to Assetline for support, no matter how complex the deal.

Bridging Loans: A Hidden Gem

Among Assetline’s most valuable, yet often overlooked, offerings are Clinch Bridging Loans. Laura Stanley calls them the “best kept secret”:

“Whether it’s a mature-aged downsizer, a divorce scenario, or a buyer who’s purchased before selling, our Clinch Bridging Loans don’t require income and come with up to 12-month terms, interest accrued and paid at maturity.”

With no early repayment penalties and no servicing required, these loans offer both flexibility and peace of mind.

Standing Out in a Crowded Market

Assetline’s products are institutionally funded and span four core lending areas: Mortgages, Bridging Loans, Private Lending and Construction and Development. Each one is designed to serve different borrower needs, with options including:

• Alt Doc and Full Doc lending

• No net asset or liquidity requirements for SMSFs

• Second mortgage deposit boosters up to $400k

• No repayments on short-term loans until maturity

Evolving with Broker Needs

Innovation is core to Assetline’s continued success. Recent updates include:

• 1% Buffer: Designed to help with servicing flexibility on refinances, as rates are stabilising.

• Private Lending for Non-Residents: Catering to overseas income earners investing in Australian property.

• Alt Doc SMSF Lending: For borrowers with limited documentation inside and outside the fund.

These changes reflect Assetline’s ongoing commitment to staying ahead of market demand, and broker needs.

Real Deals. Real Results.

A recent deal in Wahroonga exemplifies how Assetline structures layered solutions. Jamie Crooks recounts:

“The borrower wanted to purchase land without a D.A., then build. We set up one facility for the land and the next for construction once approvals were in.”

This kind of staged, forward-thinking lending is what brokers value when timelines and approvals are fluid.

Why Brokers Choose Assetline

Brokers today face a major challenge: finding solutions for increasingly unique scenarios. Assetline meets this challenge with:

• Direct access to experienced BDMs and decision-makers

• A versatile product range across residential, commercial, and SMSF borrowers

• Fast approvals and hands-on support from scenario to settlement

As Celia Li sums it up perfectly:

“We are always here for you.”

Ready to Work with a True Lending Partner?

At Assetline, we go beyond lending to become your trusted partner. Whether you need support on a unique scenario or a fast solution for a complex borrower, you can rely on the Assetline team to deliver with clarity and care.

Speak with your local BDM to discuss your next opportunity.