What is a non-bank lender?
A non-bank lender is a financial institution that offers home loans and other types of credit without being a traditional bank.
At h2o Loans, we work with both banks and non-bank lenders to give you more choice. Whether you're self-employed, have a unique income structure, or need a faster approval process, non-bank options may offer competitive rates and tailored solutions that better suit your situation.
Why private loans?
Private loans offer a flexible and faster alternative to traditional bank financing — especially when time is critical or your financial profile doesn’t meet standard lending criteria. These loans are funded by private investors or specialist non-bank lenders who assess risk differently and can offer tailored lending solutions.
Who are private loans for?
Private lending can benefit property developers, investors, self-employed individuals, or anyone who needs quick access to capital without the red tape of banks. They’re often used for bridging finance, land acquisition, business expansion, or projects that don’t yet meet mainstream lending requirements.
- Borrowers with complex or non-traditional income
- Short-term funding needs where speed is crucial
- Clients seeking flexible terms or asset-based lending
Why choose h2o Loans for private lending?
Our team has access to a network of reputable private lenders and understands how to position your application to secure the right deal. We’ll guide you through the process, help you understand the risks and benefits, and negotiate fair terms that work in your favour.
Whether you're facing a tight deadline, a bank decline, or just need a flexible solution — h2o Loans makes private lending simple, secure, and fully tailored to your needs.
Hear what people say about Us
"“I Was Surprised About The Speed Of The Approval”"
"“When Your Mortgage Approval Was Super Fast”"
"“When Your Client Called You At 8PM”"
"“What Our Clients Said Was Unbelieveable”"
"“We Finally Got Our Dream Home”"
"“We Were Confused, It Was Our First Time”"
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At h2o Loans, we believe that buying a home or investing in property should never feel overwhelming. That's why our brokers, loan specialists, and support staff collaborate closely with you — making the process clear, fast, and stress-free. From application to settlement, we're with you every step of the way.
