“Increasingly more clients are falling exterior the normal lending pointers, and main banks are extra targeted on vanilla clients, clients who’re secure of their employment and earnings,” Chris Paterson (pictured), common supervisor of distribution at Resimac, informed Australian Dealer. “Additionally, non-banks’ credit score urge for food is broader than these of the main [banks]. Non-banks may assist SMSF-based clients, self-employed, clients who’ve totally different earnings streams, clients who’re increased threat by way of credit score exercise on their credit score stories, or inconsistent repayments on their mortgages.