Straightforward finance for real-world needs

We offer residential home loans (owner-occupied and investment), construction loans including Star Homepay, commercial property finance, SMSF lending for commercial property and for refinancing existing residential SMSF loans, bridging finance, equity release and business-purpose lending. We also lend to Pty Ltd companies and trusts, subject to eligibility.

360 MMS is a non-bank lender. Our loans are funded by wholesale institutional funders rather than customer deposits, and our products are designed for borrowers whose circumstances may not fit a bank's standard policy, such as self-employed borrowers, expats and company or trust borrowers. Every application is assessed against clear lending criteria and credit policy. Within those rules, we look at your full story, the property and cash flow, as well as your credit history.

Story-based lending means we take the time to understand you and your circumstances, rather than saying no based on a credit score alone. Every loan still follows clear lending criteria and credit policy, including checks of your income, expenses, credit history and the property. Where your situation is less straightforward, such as self-employed income or a past credit event, our credit team looks at the full picture and the evidence you can provide before your application goes to our funder for a decision. It doesn't mean every application is approved.

You can apply through your preferred mortgage broker or contact us directly. We can help you understand the options and next steps for your situation, subject to our assessment process.