Specialised Lending

We provide solutions for people who do not fit into the standard lending criteria.

How are we different to other lenders?

Our credit policy is different to what the big banks use. We assess you eligibility by first looking at your overall financial position. When we can, we will liaise with creditor negotiations to improve your financial standing. For people who have previously been declined for a loan for irregular income, poor credit history, or too much debt, we have a home loan for you. As a specialty lender, we see things differently.

Assessment & Application

We assess your financial situation, recommend the best solution, and assist with the application.

Processing & Negotiation

Once we obtain conditional approval, we start negotiations with creditors to reduce debt and increase borrowing capacity.

Approval & Settlement

Once negotiation is complete and the loan is finalised, previous debts can be settled and the client can move on with life.

"The bank said no to refinancing my home, because I am self employed. Thankfully the team were able to secure a loan, and settle some of my other debts at the same time."

The Lanyana Difference

Help from Start to Finish

We guide and assist each client through this process. You will not be left in the dark.

Personalised Service

Speak with our expert team who are on hand to answer your questions.

Flexible Lending Criteria

We provide a range of lending solutions when the banks say no.

Specialised Lending and Refinancing is offered by Positive Solutions Finance

Positive Solutions Finance have dedicated and professional Lending Specialists to assist with consolidation, home loans and refinancing.