Non Conforming Loans have Non Bank Lending Solutions for Borrowers that don’t fit traditional lending criteria. In Australia, we estimate that one in five people require the services of non conforming loans. Importantly, this is often no fault of their own and can be caused by the tightening of lending criteria. Risk profiles or automatic decline for a low credit score can make you a Non Conforming Loans Applicant. Further reasons could be for the Self Employed Australian who can’t prove their income through traditional means.