Not every loan fits a standard checklist. Specialist loans cover borrowers and purposes that lenders treat differently, such as self-employed income, medical professionals with a smaller deposit, business and commercial finance, equipment, vehicles and personal loans. Ingram Financial is a locally owned broker based in Bangor, NSW. We compare specialist loans from dozens of lenders, explain your options in plain English and handle the paperwork from first chat to settlement.
When You Might Need a Specialist Loan
A specialist loan usually makes sense when your situation or reason for borrowing doesn’t match a lender’s standard checklist. For example, you might have:
- Non-standard income: you are self-employed, a sole trader or a contractor, and your income changes from year to year.
- A business purpose: you want to buy premises, buy a business or free up working capital.
- Vehicles and equipment to buy: you need a car, ute, machinery or tools.
- A professional LMI waiver to use: you work in medicine or another eligible health profession and want to buy with less than a 20% deposit.
In each case, every lender sets its own rules, which is also why different banks give different borrowing capacities. So choosing the right lender early matters.
Specialist Loans We Arrange
Each loan type below has its own page with more detail and FAQs.
For Your Home
Self-Employed Home Loans: lenders assess business owners, sole traders and contractors differently from employees. We know which documents each lender accepts and how to present your income clearly. Learn about self-employed home loans.
Medical Professionals: some lenders waive lenders mortgage insurance (LMI) for eligible doctors, dentists and other health professionals. Because eligible occupations vary by lender, we check current policies for you. Learn about home loans for medical professionals.
For Your Business
Business Loans: for working capital, buying a business or franchise, or expansion, we help you build a clear case for the lender. Learn about business loans.
Commercial Loans: buy your business premises, invest in a leased commercial property or refinance an existing commercial loan. Learn about commercial loans.
Asset Finance: spread the cost of equipment, machinery or work vehicles through a chattel mortgage, hire purchase or lease, instead of paying upfront. Learn about asset finance.
Personal and Vehicle Loans
Car Loans: buying new, used or privately? We compare car finance, so you know your budget before you shop. Learn about car loans.
Personal Loans: for a renovation, a wedding, travel or combining smaller debts, we compare options and explain the total cost, including fees. Learn about personal loans.
We also arrange SMSF loans for funds buying business premises.
How Shannon Helps With Specialist Loans
Specialist loans reward experience and a wide choice of lenders. Whichever loan you need, Shannon is your first point of contact. If another lender or specialist suits your situation better, he’ll explain why before you go ahead.
- Free first chat: we talk through your goals, income and timing by phone or video.
- Compare: we look across dozens of lenders and shortlist those whose policies suit your situation.
- Explain the costs: we set out rates, fees and features in plain English.
- Apply: once he has your documents, Shannon can usually submit within a day. Lender turnaround then ranges from the same day to over a week.
- Settle and review: we guide you through to settlement, then check in over time.
On car loans, Shannon doesn’t normally charge a direct fee. However, depending on the amount and other factors, he may refer you to a lender or another broker, who may charge. Where a fee applies on any specialist loan, we disclose and explain it before you sign. You’ll also receive our Credit Guide, which explains how we’re paid, before we start working together.
Shannon Ingram, our principal broker, is MFAA-accredited and began his finance career at ANZ in 2002. He also ran a multi-site retail business from 2016 to 2024, so he understands business cash flow and how lenders calculate self-employed income.
Specialist Loans Across the Sutherland Shire
We live and work in the Shire, and many local borrowers need more than one kind of finance. For instance, a tradie might need a ute through asset finance, a workshop through a commercial loan and a home loan that reads self-employed income properly. Visit our Sutherland Shire mortgage broker page, or go straight to your area:
Specialist Loans Australia-Wide
We also arrange specialist loans for clients across Australia by phone and video. Moneysmart explains what to expect when using a mortgage broker, and business owners can find government guidance on business finance at business.gov.au. Before any big financial decision for your business, it’s also a good idea to talk to your accountant.
Specialist Loan FAQs
Choosing a Specialist Loan
It’s a loan for a borrower or purpose that sits outside a standard home loan, such as self-employed income, business or commercial finance, equipment, vehicles or a professional LMI waiver. Since policies vary widely between lenders, where you apply matters.
You may still have options. Many lenders prefer two years of tax returns, but some will consider a shorter trading history in certain situations. We check which lenders suit your documents before you apply.
Not always. Some lenders waive LMI for eligible health professionals who buy with less than a 20% deposit, up to limits each lender sets. However, eligible occupations vary, so we check current policies against your registration and income.
Working With Ingram Financial
Shannon doesn’t normally charge a direct fee on car loans. Depending on the amount and other factors, he may refer you to a lender or another broker, who may charge. Lender fees also apply to most loans. In every case, we disclose and explain any fees before you sign.
No. We are based in Bangor and focus on the Sutherland Shire, but we help clients across Australia by phone and video.
Need a specialist loan? Book a free chat with Shannon on 0402 283 480 or send us a message.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation. Speak to your accountant or tax adviser about tax.
Need Some Help?
Not sure where to start? That’s exactly what we’re here for. Drop us a message and we will get back to you within one business day with clear, honest advice tailored to your situation.