Self-employed, contractor, complex income, or declined elsewhere? RyRo Loan Centre specialises in low doc loans and custom mortgage solutions for Sydney and NSW borrowers who don't fit standard bank criteria. We work with 30+ lenders — including specialist non-bank providers — to match you with finance that reflects your real situation, not just a tick-the-box template.
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No credit check, no obligation. Tell us your situation and we'll match you to the right option.
“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”
Sumit · Director & Senior Loan Specialist
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A quick look at what specialist lending is and how we help. We work with 30+ lenders and guide you from strategy to settlement when the banks say no.
Sumit
Director & Senior Loan Specialist
Rohan
Asset Finance Specialist
Kathryn
Settlement & Client Liaison
Why work with us
A quick look at what specialist lending is and how we help. We work with 30+ lenders and guide you from strategy to settlement when the banks say no.
Specialist lending covers home loans and property finance for borrowers who don't fit standard bank criteria: low doc loans (income verified by BAS, accountant letter or bank statements) and custom mortgage solutions (complex income, trust structures, prior credit issues, non-resident, or non-standard property). We match you to lenders whose policy accommodates your situation.
For self-employed, sole traders, contractors and business owners. Income is verified through BAS statements, business bank statements or an accountant's declaration instead of payslips and tax returns. Rates are typically 0.5–2% above full doc; LVRs up to 80–90% depending on lender. We arrange low doc home loans, investment loans and business loans from 30+ lenders.
When your situation is complex — trust structures, adverse credit, discharged bankruptcy, non-resident, non-standard property — we work with specialist and non-conforming lenders (Pepper, Liberty, La Trobe, Bluestone, RedZed and others) who set their own criteria. We structure your application for the strongest presentation and get you across the line when the banks say no.
Lender policy varies enormously; what one declines, another may approve. We target the right lender from the start so you don't add unnecessary credit enquiries. We prepare your application so your income and circumstances are presented in the strongest way. $0 broker fees — we're paid by the lender at settlement.
Low doc rates from around 6.49% p.a. for clean-credit 80% LVR; non-conforming and custom solutions typically 7.50–9.50% p.a. depending on profile. Use our Borrowing Power Calculator for an estimate, or talk to us for a detailed assessment (no credit check, obligation-free).
Start Here
Tell us your situation and we'll match you to the right low doc or custom mortgage option. No obligation.
“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”
Sumit · Director & Senior Loan Specialist
By submitting, you agree to our privacy policy and terms of service.
Whether you're self-employed and need to prove income without standard payslips, or your situation is more complex — trust structures, prior credit issues, non-resident status, or non-standard property — we match you to the right lender and product from our panel.
Low doc loans allow self-employed borrowers, sole traders, contractors, and business owners to verify income through alternative documentation — Business Activity Statements (BAS), business bank statements, or an accountant's declaration — instead of the two years of tax returns and payslips that standard lenders require. Many self-employed Australians legally minimise taxable income through legitimate deductions, so their tax return understates actual cash flow. Low doc lenders look at the substance of the business: turnover on BAS, regular income on bank statements, and the accountant's professional declaration. We arrange low doc home loans, low doc investment loans, and low doc business loans from specialist lenders who assess self-employed income fairly. Rates are typically 0.5–2% above full doc; LVRs up to 80–90% depending on lender and profile.
Low doc loans — full guide →A custom mortgage solution is a home loan or property finance arrangement tailored to your individual circumstances when you don't fit standard criteria. It involves selecting the right lender from our panel — the one whose credit policy genuinely accommodates your situation — structuring the application to present your income, equity and circumstances in the strongest way, and anticipating objections before they arise. We work with non-conforming lenders (e.g. Pepper Money, Liberty, La Trobe, Bluestone, RedZed) for adverse credit, discharged bankruptcy, Part 9 agreements, and complex income; with specialist trust lenders for family trust and discretionary trust home loans; and with non-resident and expat lenders for overseas income and foreign buyers. Custom solutions also cover non-standard property (acreage, boarding houses, mixed-use), guarantor structures, debt consolidation, and complex refinancing.
Custom mortgage solutions — full guide →Not sure which path fits? Get expert advice free — we'll assess your situation and point you to the right option from our panel.
Specialist lending refers to home loans, investment loans, and property finance that fall outside the standard bank assessment template. Getting the right structure and lender match is critical — the wrong lender will decline you; the right one will approve at competitive terms.
What one lender declines, another may approve. Specialist and non-bank lenders set their own credit policies: some specialise in self-employed low doc; others in non-conforming (adverse credit, bankruptcy); others in trust lending or non-resident. A broker who works in this space daily knows which lender suits which profile and avoids the scattergun approach that damages your credit file with multiple enquiries.
How your income, equity and circumstances are presented in the application directly affects the outcome. We structure applications to show your ability to repay in the clearest way — add-backs where appropriate, consistent documentation, and proactive addressing of any credit or employment gaps. A well-prepared application moves faster and has a higher approval rate.
Specialist lending typically carries higher interest rates and sometimes lower maximum LVRs than standard prime lending, because the lender is accepting more risk (alternative income verification, prior credit issues, or non-standard security). The goal for many borrowers is to use the specialist loan to get into the property or consolidate debt, then refinance to a standard lender in 2–3 years once their profile improves. We plan for that progression from day one.
Sydney's economy is powered by self-employed professionals, contractors, and borrowers with complex or non-standard situations. Specialist lending is relevant to:
Sole traders, company directors, contractors, and freelancers whose taxable income understates actual cash flow. Low doc and alt doc loans use BAS, bank statements, and accountant declarations to verify income.
Past defaults, arrears, court judgments, Part 9 debt agreements, or discharged bankruptcy. Non-conforming lenders assess the full picture and can approve where major banks decline.
Family trusts, discretionary trusts, and unit trusts holding property. Specialist lenders offer residential rates (not commercial) for trust mortgages when the deed permits borrowing and documentation is in order.
Australian expats, temporary residents, and foreign nationals. Subject to FIRB and the current ban on foreign purchase of established dwellings (Apr 2025–Mar 2027), specialist lenders accept Tier 1 currency income and new builds / vacant land.
Commission, bonuses, multiple employers, casual work, gig economy, or investment income. Lenders who assess variable and multi-source income fairly exist — we match you to them.
Rural acreage, boarding houses, mixed-use, high-density units, or properties with zoning or title complications. Not every lender accepts every security type; we identify those who do.
If you've been declined or told your situation "doesn't fit," the next step is speaking with a broker who works specifically in specialist lending. Get a free assessment.
“When the banks say no, we find the lender whose policy fits your situation. That's what specialist lending is about.”
Sumit · Director & Senior Loan Specialist
Free strategy call - no obligation
Tell us your situation and we'll match you to the right low doc or custom mortgage option.
By submitting, you agree to our privacy policy and terms of service.
We assess your situation, match you to the right lender from our panel, prepare a strong application, and manage the process through to approval and settlement.
Income type (self-employed, PAYG with variable income, overseas, trust), deposit or equity, property type, and any credit or structural issues. We don't judge — we need the full picture to target the right lender.
We shortlist lenders whose credit policy accommodates your profile. For low doc we consider ABN age, documentation quality, LVR and credit history; for custom solutions we consider trust type, non-resident status, credit history and property type.
We give you a clear checklist (BAS, bank statements, accountant letter, trust deed, ID, etc.) and prepare the application so your income and circumstances are presented in the strongest way.
We submit to one well-matched lender to protect your credit file. Conditional approval for low doc often within 5–10 business days; custom and non-conforming can take longer depending on complexity.
We coordinate valuation and settlement. For many specialist borrowers we also plan the path to refinancing to a standard lender once your documentation or credit profile improves — so you can access better rates in 2–3 years.
Low doc: Typically you need an active ABN (most lenders prefer 2 years; some accept 6–12 months), self-employment or business ownership, a minimum deposit of 10–20% (often 20% for best rates), and at least one or two forms of income verification (BAS, business bank statements, or accountant declaration). Credit history affects which lenders and rates you access; clean credit gets the best low doc rates.
Custom mortgage solutions: Eligibility depends on the scenario — trust lending requires a deed that permits borrowing and usually personal guarantees from adult beneficiaries; non-resident lending is subject to FIRB and current government restrictions on established dwellings; non-conforming (adverse credit, bankruptcy) depends on the nature and age of the impairment and your deposit. We assess your full profile and only recommend lenders who can realistically approve you, so you don't waste time or add unnecessary enquiries to your credit file.
RyRo Loan Centre is based in Norwest in Sydney's Hills District. We work with self-employed and complex-scenario borrowers across Sydney, the Hills District, Castle Hill, Baulkham Hills, Kellyville, Rouse Hill, the North Shore, Inner West, Eastern Suburbs, Southwest Sydney, and the broader metropolitan area. Sydney has one of the highest concentrations of self-employed and contractor workers in Australia — tradies, consultants, creatives, health practitioners, and business owners — and the cost of property means that getting the right finance is critical. We also arrange specialist lending for clients in regional NSW, interstate, and for Australian expats and temporary residents overseas.
Low doc and custom mortgage solutions are a core part of our practice. We don't treat you as a one-off; we work in this space every day and know which lenders suit which profiles. If you're in Sydney or NSW and your situation doesn't fit the standard bank template, get a free assessment and we'll outline your options.
We specialise in low doc and custom mortgage solutions; we don't treat you as an exception to our main business.
Our panel includes major banks, regional lenders, and specialist non-bank lenders (Liberty, Pepper, La Trobe, Bluestone, RedZed, Resimac, and others) who offer low doc and non-conforming products. We know which lender suits which profile — self-employed clean credit, impaired credit, trust, non-resident — so we target the right one from the start.
Our service is free to you. We're paid by the lender when your loan settles. You get expert comparison, application preparation, and settlement support at no direct cost.
Multiple applications in a short period damage your credit score. We submit one well-targeted application to the most appropriate lender, not a scattergun approach that generates unnecessary enquiries.
How your income and circumstances are presented affects the outcome. We structure applications to show your ability to repay in the clearest way and address potential objections before they arise.
For many specialist borrowers, the goal is to refinance to a standard lender in 2–3 years once documentation or credit improves. We plan for that from day one and stay in touch so you can access better rates when the time is right.
More than 2,000 Australians have trusted RyRo Loan Centre with their lending. We work with self-employed and complex-scenario borrowers every day — and we get them across the line when the banks say no.
5.0 out of 5, based on 340+ verified Google Reviews.
Based on 340+ verified Google Reviews.
"We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above an…"
Read more"We had a great experience with Sumit and his team. We can't express enough how grateful we are to them, as they did a really splendid job! H…"
Read more"Working with Sumit Joshi & co was a fantastic experience. They were very professional, knowledgeable, and made the whole process stress-free…"
Read more"I had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my in…"
Read more"Sumit made the entire property purchasing process smooth and stress-free. Always professional, responsive, and genuinely helpful, he went ab…"
Read more"Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a…"
Read more"It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helpe…"
Read more"As recent migrants from New Zealand, my wife and I were navigating the complex Australian property market for the first time, and we couldn'…"
Read more"I had an amazing experience working with Sumit to secure a loan for my first home. From start to finish, he made the process smooth, stress-…"
Read more"Sumit Joshi is our trusted mortgage broker, we have used his services for the last 8 years and he has always guided us in the right directio…"
Read more"As first-time homebuyers, we were initially unsure about which mortgage broker to choose, and we had a few lined up to discuss our needs. Su…"
Read more"I had an outstanding experience working with Vijay Dhingra from RyRo loan centre from start to finish. They made the entire mortgage process…"
Read more"Sumit and his team were super helpful throughout the entire loan approval process. Always prompt with responses and super convenient to deal…"
Read more"First of all heartiest thanks Sumit for making our journey to get loan approval so smooth and in really very comfort zone, since I am in Aus…"
Read more"I had an amazing experience working with Sumit while buying my first home! From the very beginning, he was incredibly responsive and always…"
Read more"Thank you so much Sumit, Dean, Kathryn and the team at RyRo. You guys have been excellent and thorough professionals. Highly recommended for…"
Read more"Sumit and team gave as an amazing experience, even after we decided to back out of our first purchase , I reached out to Sumit a year or two…"
Read more"I had an exceptional experience with RyRo Loan Centre, and I wholeheartedly recommend their services. Sumit and his team were not only highl…"
Read more"I had an amazing experience with Sumit! The whole process was smooth, professional, and stress-free. He was incredibly helpful every step of…"
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Read moreWe keep it simple: one free strategy call, lender matching, documentation checklist, submission, and settlement. We handle the paperwork and lender communication so you don't have to.
Free strategy call — you tell us your situation (income type, deposit, property, any credit or structure issues). We assess and shortlist suitable lenders.
We give you a clear document checklist and prepare your application so it presents your case in the strongest way.
We submit to the best-matched lender. Conditional approval for low doc often within 5–10 business days.
We coordinate valuation and any further information the lender needs. Full approval and settlement follow.
We stay in touch; when your profile improves we help you refinance to better rates where it makes sense.
Ready to start? Get a free strategy call and we'll outline your options.
Answers on demand
Common questions about low doc loans, custom mortgage solutions, self-employed lending and how we help Sydney and NSW borrowers who don't fit standard bank criteria.
Why people ask
Our team
Sumit
Director & Senior Loan Specialist
Rohan
Asset Finance Specialist
Kathryn
Settlement & Client Liaison
Need something answered live? Talk to our team
Start here
Tell us your situation and we'll match you to the right low doc or custom mortgage option. No obligation.
By submitting, you agree to our privacy policy and terms of service.
Use our tools to estimate borrowing power, repayments, and stamp duty before you apply.
For figures based on your actual situation — including low doc or custom mortgage options — get a free assessment. No obligation.
Explore our low doc and custom mortgage sub-pages, or other lending categories that might fit your goals.
Join 2,000+ Australians who've trusted RyRo Loan Centre. $0 fees. Expert advice. No credit check.
“Whether you're self-employed, declined elsewhere, or have a trust or complex structure, we find the lender whose policy fits your situation.”
Sumit · Director & Senior Loan Specialist
Meet the team
Rohan
Asset Finance
Helping clients secure the right equipment and vehicle finance.
Kathryn
Settlement Liaison
Keeping your settlement on track from application to keys.
Free strategy call - no obligation
We'll call you to discuss your situation and match you to the right option. No obligation.
By submitting, you agree to our privacy policy and terms of service.