Specialist Mortgage Solutions
Getting a mortgage can be challenging when your income or structure doesn’t fit the usual model. We focus on understanding your situation and arranging options that make sense for you.
Specialist Mortgage Solutions
Not every situation fits standard lending criteria. We help business owners, self-employed clients, and investors arrange mortgage solutions based on how they actually earn and structure their finances.
Whether you’re buying property, refinancing, or dealing with a more complex setup, we work with you to find a practical way forward.
Frequently asked questions
01. Can I get a mortgage if I am self-employed?
Yes. We specialise in self-employed home loans using BAS, bank statements, or accountant letters — no standard payslips needed.
02. What is a specialist mortgage?
A specialist mortgage is a home loan structured for borrowers who don't fit standard bank criteria — such as self-employed borrowers, complex income, or credit issues.
03. What is a bridging loan?
A bridging loan is short-term finance that lets you buy a new property before selling your current one. RADCAM structures bridging loans with a clear exit plan.
04. Can my SMSF buy property?
Yes. Through SMSF lending (LRBA), your super fund can buy investment property. We work with specialist lenders approved for SMSF loans in Australia.
05. What is a low doc mortgage?
A low doc mortgage is a self-employed home loan that uses alternative income proof — like BAS or bank statements — instead of full financial statements.
06. I was declined by my bank. Can RADCAM help?
Often yes. A bank decline does not mean you cannot get a specialist mortgage. We access non-bank and specialist lenders who assess complex applications differently.
Still have questions?
Let’s Start a
Every great financial decision begins with understanding your goals.
We’ll discuss where you are today, where you’d like to be, and what’s possible. Together, we’ll explore the right strategy to help you move forward with confidence.