Get the right advice and the lowest rates

1300 455 111


Please see some of the most frequently asked questions we get asked. If you cannot find what you are looking for or have more questions, please feel free to contact us.

What is a hard-to-get loan?

All banks have certain lending criteria so when you don’t fit the criteria of a major bank, it can be hard to know where to go from there. This is where our hard-to-get home loan specialists come in. Just because your situation may not fit their policies does not mean you can’t get into your dream home! We are here to look at your situation and find a lender which fits you. This can include bad credit, self-employed, low-doc (low documentation) or unusual/irregular income.

Do I  get a refund if my loan is not approved or doesn’t settle in time?

Unfortunately all upfront fees (Valuation, Application, Processing and Legal fees are 100% non refundable*** These fees cover the cost of assessing the loan application. Once any upfront fees are paid the loan will be fully assessed.

We will make every effort for your loan to settle within 1-7 working days. However time to time there might be delays and these time frames are only guide lines.

Why was my loan not approved or declined?

There can be many reasons why loans are not approved. Please see a few of the main reasons below:

  1. Valuation of the property most of our lenders can only lend up to 75% of the valuation of the property we are using as security.
  2. The funds need to be for business use and lent to a PTY LTD company. Not in a direct name.
  3. Non Disclosure, lenders have a large database of information, from time to time borrowers will not disclose the full truth. If the lender feels the borrower is not being 100% truthful the loan will likely not be approved.

What is a caveat loan?

A caveat loan is for a business that needs funds urgently. The funds are used for business purpose and must have Australian property as security. Residential, Commercial and Vacant land is all acceptable.

What to do if I have a complaint?

If you have an issues that your broker can not help you with, please email us at: (We will try to resolve all issues within 30 working days.)

Are you a member of the Financial Ombudsman?

A.A.L PTY LTD is not a member of the Financial Ombudsman as we only help pty ltd companies and all of our loans are unregulated. Please email any complaints you have to

A.A.L FINANCE Pty Ltd does not hold an Australian Credit Licence (ACL). A.A.L FINANCE Pty Ltd is not an Authorised Credit Representative of an ACL holder. A.A.L FINANCE Pty Ltd is not the holder of an Australian Financial Services Licence (AFSL).