Built to close a structural gap.
Australia has over $200 billion in non-bank lending assets and no consumer brand. Most borrowers who are declined by a bank receive no systematic guidance toward the lenders who can serve them. Anbi was built to change that.
What we do
Anbi is a specialist non-bank loan origination business. We assess borrowers who do not fit standard bank criteria, match them to the non-bank lenders whose credit policies fit their specific profile, and originate the loan to settlement.
We work with three primary borrower profiles: self-employed investors using alt-doc income, PAYG-employed borrowers excluded by APRA's DTI cap, and self-employed owner-occupiers with adverse credit history. Each of these groups is systematically excluded from bank lending despite being creditworthy under the right credit policy.
We do not market ourselves as a broker replacement. We are an infrastructure layer for borrowers and referring professionals who need specialist non-bank origination capacity.
Our panel
Anbi partners with Australia's trusted non-bank lenders across residential and commercial credit - from the major non-bank institutions to specialist providers. We work across the full market, matching each scenario to the lenders whose credit policy fits the specific borrower profile.
Headquarters
Brisbane, Queensland
Operating nationally
How we operate
Credit-led, not volume-led
We originate fewer loans than a generalist broker, and we do it better. Every case is reviewed against lender credit policy before submission. We do not submit speculatively. We do not lodge applications against likely outcomes. This approach produces higher settlement rates and fewer credit enquiry marks on our clients' files.
Transparent about scope
If a borrower clearly qualifies for a standard bank mortgage, we tell them that and do not take the file. Non-bank lending carries a rate premium. Recommending it when it is unnecessary would be a poor outcome for the client and a bad reflection on us.
Structured, not approximate
Our assessment process produces a written pathway document with specific lender categories, documentation requirements, and credit considerations. Nothing is approximate. Borrowers understand exactly what they are getting into before they proceed.
Operator model
Every loan file is handled by a specialist operator, not a generalist processing queue. Operators understand non-bank credit policy at a product level, not just a lender level. This depth of knowledge is the primary reason our submissions have a higher approval rate than industry averages.
Licensing and compliance
Anbi operates as an authorised credit representative under an Australian Credit Licence, in accordance with the National Consumer Credit Protection Act 2009 and all applicable responsible lending obligations.
All origination commissions are paid by the lending institution on settlement. Borrowers pay no upfront fees to Anbi. Trail commission is retained by Anbi and is disclosed to borrowers in all credit proposal documentation.
Ready to begin
Find your pathway in under five minutes.
Your email is used only to send your pathway document. No credit enquiry is lodged and you are not added to any marketing list. You receive a structured pathway identifying your scenario, lender category, documentation requirements, and next steps.