Specialist finance

Specialist and alternative finance

SMSF and trust borrowing, credit-impaired loans, debt consolidation, asset-backed lending and other less common finance.

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SMSF borrowing

SMSF borrowing explained: how limited recourse loans work, what lenders ask of trustees and where a broker helps. Australia-wide support from Ownright.

Trust borrowing

Trust borrowing in Australia: how lenders treat family, unit and discretionary trusts, what they ask for and how Ownright helps trustees get a loan sorted.

Expat and non-resident loans

Expat and non-resident loans for Australians living overseas and foreign nationals buying here. Foreign income, documents and lender options explained.

Bankrupt and post-bankruptcy loans

Loans during and after bankruptcy in Australia: how lenders treat discharged bankrupts, what helps and what to avoid. Ownright explores options Australia-wide.

Credit impaired loans

Credit impaired loans for Australians with defaults, arrears or a patchy credit history. How lenders assess it and how Ownright finds workable options.

Centrelink and pension income loans

Centrelink and pension income loans explained: how lenders treat Age Pension, disability and carer payments, and how Ownright finds workable finance.

Guarantor and family guarantee loans

Guarantor and family guarantee loans in Australia: how they work, the risks for the guarantor and how Ownright arranges them sensibly.

Family law settlement finance

Family law settlement finance in Australia: buying out a former partner, refinancing after separation and funding a property split. Ownright helps Australia-wide.

Inheritance and probate finance

Inheritance and probate finance in Australia: access funds while an estate is finalised, buy out siblings or keep a family home. Ownright helps nationwide.

Jewellery and gold backed loans

Jewellery and gold backed loans explained: how valuables are used as security, the risks, and the other secured options Ownright can look at for you.

Pawn loans

How pawn loans work in Australia, the risk of losing the item, and the alternatives. Ownright can look at secured options that fit larger needs.

Art and collectibles finance

Borrowing against art, jewellery, wine or collectibles in Australia: how valuation works, the limits, and where Ownright can help with other security.

Margin loans

Margin loans and securities lending explained for Australians: margin calls, loan to value ratios, risks, and how property-secured loans compare.

Share portfolio loans

Borrowing against a share portfolio in Australia: how it works, the risks, tax questions and the property-secured alternatives Ownright can look at.

Payday loan alternatives

Payday loan alternatives in Australia: no interest loans, Centrelink advances, hardship plans and secured options. Plain-English guide with MoneySmart sources.

BNPL explained

Buy now pay later explained for Australians: how it works, fees, the 2025 licensing rules, credit file effects and when to look at other finance.

Credit card debt consolidation

Credit card debt consolidation in Australia: how it works, secured versus unsecured, costs to watch and what Ownright can arrange when banks say no.

Balance transfer vs consolidation loan

Balance transfer card or debt consolidation loan? Compare how each works in Australia, the traps to avoid and when a secured option may fit better.

Personal loan refinance

Personal loan refinance in Australia: when switching makes sense, exit fees to check, bad credit options and how Ownright finds a better fit.

Mortgage debt consolidation

Mortgage debt consolidation in Australia: rolling cards and loans into your home loan or a second mortgage, the trade-offs, and how Ownright can help.

Financial hardship refinance

Struggling with repayments? Financial hardship refinance options explained, from hardship arrangements to restructuring debt. Australia-wide help.

Low income loans

Low income or nil income and still want a loan? How lenders assess modest earnings, asset-based options and alternatives explained. Australia-wide.

Startup founder loans

Startup founder loans explained: personal and property-secured options, what lenders want from new ventures and how founders can borrow. Australia-wide.

Contractor income loans

Contractor income loans explained. How lenders assess day rates, ABN income and short contracts, plus options for borrowing as a contractor. Australia-wide.

Casual income loans

Casual income loans explained: how lenders treat casual and seasonal pay, how much history helps and what to prepare. Australia-wide broker help.

Multiple income loans

Multiple income loans explained. How lenders treat a second job, rental income, side business and other earnings together. Australia-wide broker help.

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