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Tailored lending solutions

Empowering Unique Financial Journeys with Specialised Lending

At Gold Finance, we understand that not every borrower fits the conventional mould. That’s why we offer specialised finance services — helping individuals and families access lending solutions when mainstream lenders say no

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Gold Finance – Best Mortgage Broker in AustraliaSpecialised Lending

Why Consider Specialised Finance?

Sometimes life doesn’t follow a straight line — and neither does your financial history. Specialised finance steps in when traditional lenders step out, offering real solutions based on your real circumstances.

 

Alternative Income Assessment

Income doesn’t have to be conventional to be credible. From recently self-employed individuals to those receiving Family Tax Benefits, Child Support, or Government-paid maternity leave — we help turn these sources into viable finance applications.

Flexible Documentation

If you don’t have full financials, that doesn’t stop us. With low-doc and alt-doc options, you can provide bank statements or BAS instead of traditional income proof — no stress, no judgment.

Credit History Considered with Context

We look beyond the credit score. Whether you’ve faced defaults, arrears, or have been discharged from bankruptcy (even just one day ago), we evaluate your entire financial picture to find a solution.

Debt Consolidation Made Easy

Multiple debts dragging you down? We help consolidate credit cards, tax debts, and even private or solicitor loans into one manageable solution, improving your cash flow and peace of mind.

Specialised Lending

Features of Our Specialised Lending Service

At Gold Finance, we specialise in solutions for the unconventional borrower. Whether it’s alternative documentation, self-employment, or credit hurdles — our expert brokers find personalised pathways to approval.

We offer lending support that’s built around your life, not just your paperwork. Specialist finance is not a second-best option — it’s a smart, flexible, and often faster route to the funding you need.

Why Choose Gold Finance for Specialised Lending?
Because we don’t just process applications — we build relationships. We take time to understand your financial challenges and match you with a lender who sees your potential, not just your profile.

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1

Accepted Non-Standard Income: Includes Centrelink, Child Support, Maternity Leave, and more.

2

Low-Doc & Alt-Doc Friendly: Submit BAS statements, bank transactions, or accountant declarations instead of full financials.

3

Post-Credit Repair Friendly: Part IX, Part X arrangements, defaults, and recently discharged bankruptcies all considered.

4

No Cash-Out Restrictions: Funds can be used for debt payout, investment, or personal use (based on LVR and loan size).

Frequently Asked Questions (FAQ)

  • It’s a type of finance designed for people who don’t meet standard lending criteria — whether due to income, credit history, or documentation.

  • Yes. We can assist even if you’ve been discharged from bankruptcy just a day ago, depending on your financial standing now.

  • You may only need alternative documents like BAS statements, bank records, or a letter from your accountant.

  • Absolutely. We consider Family Tax Benefits A & B, child support, and other support payments as legitimate income sources.

  • Yes. You can consolidate personal loans, credit card debt, tax debt, and more into a single loan structure.

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How to Apply for Specialised Finance

1

Assess Income and Documents

We review both standard and alternative income streams and help gather suitable documents.

2

Match with a Specialist Lender

We identify the best non-conforming lenders who are open to your unique financial profile.

3

Secure Approval

We help structure your loan to meet lender requirements — from consolidation to purchase goals.

4

Move Forward with Confidence

Once approved, we stay by your side for future funding needs and financial support.

10 years of working experience

Gold Finance – Best Mortgage Broker in AustraliaSpecialised Lending

Why Choose Us?

  • Expert Knowledge:

Our team specializes in helping homebuyers secure tailored loan solutions.

  • Full-Service Support:

From initial consultation to settlement, we are with you every step.

  • Personalized Strategies:

We craft solutions that align with your financial goals.

  • Smart Savings:

Our streamlined processes and expert insights help you save time and money.

Gold Finance Group
4.9
Based on 22 reviews
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Isaac Anyimaye-Agyeman
10:58 24 Apr 25
This is the first time I heard of this Gold Financial institution. The way things went through was so fast and straight forward.
Himmi Brar
09:10 24 Apr 25
Excellent work. Every product knowledge and know what client needs.Best team in process to give best outcome .Fast process of every steps.Highly recommended to everyone.Best service best rewards.
David Reid
23:42 10 Apr 25
The Gold Finance team were friendly, helpful and made the process less stressful. I highly recomend them to anyone looking for a broker.
Renante Ampatin
10:22 19 Mar 25
I highly recommend gold finance group for smooth and fastest approval process for my home loan. Thank you Josh & Ash for the help and your hard work.
hannah yeboah
10:08 19 Mar 25
From start to finish I felt that my needs and concerns were heard. Josh was very professional and understanding at the same time. I will definitely refer my family and friends to the company
tetsuya suzuki
07:12 25 Nov 24
Got me a great home loan and refinancing, will definitely return for next property
Ethan Blankanette
10:31 09 Nov 24
Gold Finance Group were unreal ! Ash and Josh were very assertive and supportive from the start. As a first time young investor/home buyer not only did they assist me through the whole process but they mentored me through it all too. Ash and Josh always took their time to discuss best options and never gave up to get the best loan rates. Always had frequent zoom calls with updates when face to face meetings wasn't possible due to busy work schedules, Professional advice, proactive planning and a brilliant attitude. I highly recommend them and look forward to using them again in the future !
Kim ho
05:24 24 Oct 24
Friendly and helpful. Quick response
Nicole Ross
01:50 11 Oct 24
I had a very positive experience with Gold Finance Group and would be happy to recommend them. Ash really went out of his way to help me and ensure that a suitable solution for my needs was reached.
Amna Khan
08:27 26 Sep 24
Ash provided exceptional service, securing me the best loan rate and continues to offer ongoing support to ensure I always get the best deal. Highly recommend!
Anuj
00:57 26 Sep 24
I had a fantastic experience with Gold Finance Group for my home loan. The team was incredibly professional and was clear from the start. Ash made the entire process smooth and hassle-free. I would highly recommend their services to anyone looking for reliable financial guidance. Plus, their customer service was excellent—quick responses and always willing to answer any questions.
Davis Osei
09:59 23 Sep 24
I am very much satisfied with Gold Finance Group. I highly recommend their services to anyone looking for home, investment or commercial loans. The managers take their time to listen, offer you lots of options and assist you in decision making. I’m extremely satisfied with the results and recommend them to anyone looking to secure their financial future
Prince Acheampong` Opoku
00:12 23 Sep 24
We had a great experience with Gold Finance Group. Josh provided exceptional customer service, stepping us through the entire process and was readily available to answer all our questions. Josh secured us a good mortgage rate with a reputable bank and made the process easy. From our initial loan enquiry, right through to settlement of our new property, Josh and his team were outstanding. I highly recommend their services. We would definitely use Mortgage Brokers Melbourne for future financial services 100/100.
Portia Opoku Boadi
23:36 22 Sep 24
Gold Finance Group has been instrumental in helping me move closer to my dream of owning a home. Their commitment to assisting everyday Australians achieve property ownership and financial freedom is clear in everything they do. The team is professional, patient, and always willing to go the extra mile to ensure that you understand the process and had the best options available. Thanks to them, I feel more confident about my financial future. I highly recommend their services to anyone looking for reliable financial guidance!

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