Disillusioned with a major bank
Long standing clients of a major bank, getting a little less each year for their loyalty. Reviewed the whole position, refinanced and restructured with a lender that priced them as they are today.
Max is on. Any hour, any day
Has your bank said no? Give Punters a go.
Credit impaired, self employed, SMSF, expat, new business. Tell Max, our AI broker, what happened. He collects everything a lender will ask, answers every question you have, and pushes a finished deal sheet to a licensed human broker who reviews it and places it with the right financier. No lead waits for Monday.
- Answered in seconds, not business days
- Your story told once
- A broker calls already knowing it
- Every word human approved
Credit Rep 474370 · ACL 384704 · Since 2018 · Birtinya, Sunshine Coast · Prefer a form?
Max · AI brokerhere now · collects everything · a licensed broker reviews and places it
AI, not licensedG'day, I'm Max, the AI customer service rep at Punters Finance. Has your bank said no, or are you weighing something up? Tell me what happened and I'll get you to the right broker.
Max is an AI. He does not give credit advice or send anything to a lender. A licensed broker does that after reviewing what Max prepared. Privacy · Credit guide · Run a brokerage? Get Max under licence
Around ten specialist lenders on the panel, and growing
Who this is for
Four reasons a bank says no. None of them mean no everywhere.
The bank said no.
A default, a missed payment, a tax debt, a discharged bankruptcy. Banks decline on the history. Specialist lenders read the last twelve months and the explanation. Max hears the story first, so your broker calls knowing it.
Credit impaired · debt consolidation · tax debtTell Max this one →You cannot prove it their way.
Self employed, new business, incomplete financials, income structured for tax. Alt doc lenders verify income from BAS, bank statements or an accountant letter. Your broker tells you which one you can produce fastest.
Alt doc · low doc · new business · contractorsTell Max this one →It is not a standard loan.
SMSF property, medico packages, expats, mature age, bridging, cashflow and equipment. Each has its own handful of lenders and its own rulebook. The office knows which handful before the first call.
SMSF · medico · expat · bridging · equipmentTell Max this one →It is a development.
Construction, land bank, subdivision, residual stock. That is Sam Gardiner at ASAP Capital, part of our group. Max sends the file to Sam with everything you said; you are never asked twice.
Handed to ASAP Capital, same groupTell Max this one →Bank still saying yes and your income shows the usual way? That is a prime loan and TSC Mortgage Brokers, our partner in the same building, will get you a sharper rate than we can. Max sends you across.
The method
Max at the front. The office behind him. A licensed broker signs off every word.
Most brokerages make you repeat your story three times and wait days for a first call. Ours is built so the broker calls you already knowing it, with the first drafts done, and so nothing the machine wrote ever reaches you or a lender without a human reading it first.
- 01Max, customer serviceNow, any hour
Max listens and shapes the enquiry.
Text or talk. Max asks what happened with the bank, what you want to do, roughly how much and by when, then your name and mobile and your privacy consent in your own words. He works out which broker fits and hands the file over with a reference. He never gives credit advice and never quotes a rate as advice.
- 02The officeThe same minute
A deal sheet lands in your broker’s inbox.
The moment Max hands over, the office pushes one sheet to your broker: who you are, what you want, what the bank said, the panel lenders whose rules fit your shape ranked by fit, the documents a lender will ask for, and the next step. Behind it the office drafts the readback, fact find, Credit Guide and document request. Every draft is marked as drafted by the office and waits for a human.
- 03Your licensed brokerInside one business day
A human reviews, edits, approves or deletes every word.
Matt or Nick reads the drafts against your file, changes what the office got wrong, deletes what should not go, and calls you with the questions the form could not ask. Nothing reaches you or a lender without that click. That is the law and it is also how we catch mistakes.
- 04Your licensed brokerThree to five days
Assessment, disclosure, then the lender.
Preliminary assessment, the commission disclosed to you in writing, letter of engagement, then the application to the one lender whose rulebook fits. Your client page shows every step as it happens, and Max stays on the page for questions all the way to settlement.
Start with MaxOr send the enquiry form; the office runs the same way either door you use.
The office this month
What the machine drafted, and what the humans did with it.4
These are read from our own record when the page loads, not typed in. They are small numbers because this is a small office. We publish them so you can see the human is real.
0Conversations opened with Max, last 30 days
0Drafts written by the office
0Reviewed by a licensed broker
0Sent by a broker to a client or lender
The rule. A draft the office wrote cannot be sent until a licensed broker has clicked approve. The system refuses otherwise. Every draft keeps the broker's name, the decision and the time.
The humans on the licence
Two brokers who have heard your story before. Broker of the Year three times over.
Matt Punter ran a bank branch, built and sold a brokerage, then built TSC and Punters from Caloundra. Finsure Broker of the Year 2017, 2019 and 2021. Nick Hague built a sixteen year electrical business and has developed property since 2013; he knows what a self employed file looks like from the inside. Max and the office make them faster. They make Max and the office safe.
- Licensed and accountablePunters Finance Solutions Pty Ltd is a credit representative under Australian Credit Licence 384704. Matt Punter and Nick Hague are the humans on the licence. Max is not licensed and does not act as if he were.
- Every word human approvedThe office drafts. A broker reviews, edits, approves or deletes. The record keeps who decided what and when, on every file, every time.
- Paid by the lender, told to you firstCommission on settlement, disclosed to you in writing in the Credit Proposal Disclosure before you commit. No fee to you unless agreed in writing.
- Specialist now, prime laterA specialist loan is a stepping stone. When your history is clean and your income shows the usual way, TSC Mortgage Brokers in the same building moves you to a prime rate.
Before you start
The three questions everyone asks first.
Is Max a real broker?
No, and he will tell you so in his first sentence. Max is our AI customer service rep. He listens, explains the words, works out which of our brokers fits your situation and gets your file moving, day or night. He does not give credit advice, recommend a loan or a lender, or send anything to a lender. A licensed human broker does all of that, after reviewing what Max and the office prepared. If you would rather skip Max, call 1300 55 61 10 and a human answers in business hours.
Will a specialist loan cost more?
Usually, yes, by a margin that depends on the reason the bank said no. Recent defaults or a very short trading history cost more than a clean file with income that is just hard to document. Your broker shows you the rate, the fees and the all in cost side by side with what a bank would charge if it would lend, before you decide. The plan from day one is to refinance to a prime lender through TSC once your file allows it.
Will applying hurt my credit score?
Every application a lender runs leaves an enquiry on your file, and several in a short period read badly. That is why we do not shotgun applications. Your broker picks one lender whose policy fits, gets the file right, and lodges once. We can check your credit report with you first so you know what a lender will see.
More on the FAQs page, in plain English.
Why the no is not the end
The bank reads your history. A specialist lender reads your story.
1 in 56Australian adults have a default, judgment or other negative event on their credit file
10+7specialist and non bank lenders on the panel, each with a different reading of the same file
100%8of office drafts pass through a licensed broker before anything reaches you or a lender
A default from three years ago, a business that is eighteen months old, income that lives in a company rather than a payslip: to a bank’s scorecard these are the same red flag. To a specialist lender they are three different files with three different answers. The skill is knowing which lender reads which story kindly this month, and sending it once, properly. That is what the office is for.
Our services
Specialist and low doc loans. Every scenario the big four turn away.
Credit impaired, short term income, expats and foreign income, debt consolidation and tax debt, bridging, self employed, new businesses, incomplete financials, private and development lending, SMSF, cashflow. Max knows which handful of lenders takes each one.
◎
Specialist Loans
Non conforming lending when the mainstream banks say no. Credit impaired, short term income, expats, tax debt, bridging.
≡
Alt and Low Doc Loans
Self employed, new business, incomplete financials. Income verified by BAS, bank statements or an accountant letter.
⌂
Development and Subdivision
Private and development lending for builders, developers and subdivisions, handled by ASAP Capital in our group.
✚
Medico and Professional Packages
Doctors, dentists, vets, accountants and lawyers, with LMI waivers and higher LVRs where policy allows.
◈
SMSF Loans
Limited recourse borrowing for residential and commercial property inside a self managed super fund.
☼
Mature Age and Retirees
Lenders that look at the whole picture, not just the age on the application.
↻
Cashflow Lending
Working capital, invoice finance and short term facilities that keep a business moving.
⚙
Equipment Finance
Vehicles, plant, machinery and fit outs, structured for the tax position of the business.
Why choose Punters
The brokers in our network have won a few things. The clients say the rest.
- 2017 · 2019 · 2021Finsure Finance and Insurance: Broker of the Year, Matt Punter
- 2023Finsure Finance and Insurance: Ambassador Club
- 2022Finsure Finance and Insurance: Finalist Broker of the Year
- 2022Finsure Finance and Insurance: Finalist Insurance Champion Award
- 2021Australian Mortgage Awards: Finalist Broker of the Year, Specialist Lending
- 2021Australian Mortgage Awards: Finalist Brokerage of the Year, Regional
- 2021Finsure Finance and Insurance: Young Gun of the Year QLD, Sam Gardiner
- 2018The Adviser Better Business Awards: Best Regional Broker, Winner
“
We highly recommend the whole team at Punters Finance who went above and beyond to obtain finance to purchase an investment property. We couldn’t believe how easy it was.
Emma and Rob WilliamsCase studies
Eight times the bank said no. Eight settlements.
Young couple buying their first home
Their own bank could not assist on the deposit history. A specialist lender read the savings pattern and the gift properly, and they settled on their first home.
Self funded retirees in their early seventies
Looking to buy their own home on the Sunshine Coast. Age was the no at the bank; an exit strategy and the right lender was the yes.
Established, fifteen working years left
A couple well set financially but structured for tax. Alt doc verification showed the real income and the loan followed.
A new principal place of residence
A married couple in their sixties moving home. A plan the lender could see, a term that fit, settled.
Credit cards and personal loans
Both husband and wife carrying substantial personal debt. Consolidated into one repayment, hundreds a month freed up, credit on the mend.
Reviewing the lending on a business
Existing self employed clients needing a broker who could read a complex position, including a commercial facility, and restructure it.
Builders releasing equity to invest
Referred from a property investor network. Equity released from the home to fund the next investment, on alt doc income.
Details changed to protect the clients. Outcomes as they happened. Tell Max which one sounds like you.
What is running under this page
Punters Finance is the badge. Max AI Broker is the engine.
Everything you see here, Max, the deal sheet, the broker’s desk, the client page, runs on software our founder built for his own four brands. The counts below are read from our own record as the page loads.
0people on the CRMEnquiry to final decision, one record
0deal sheets pushedThe sales office, the moment Max hands over
0drafts reviewed by a humanThe gate: approve, edit, approve or delete
0messages checkedThe compliance officer reads every word
0documents on fileThe DMS: versioned, hashed, kept seven years
12lenders on the panelMandate shaped, ranked for every file
5agents under reviewThe LMS: every edit scores the draft that needed it
2facesA digital human here. An orb at ASAP Capital. Same engine
Run a brokerage and want this under your name? Matt licenses the engine. Software only; your licence, your panel, your brokers at the gate.
Do not waste another minute stressing about a no. Tell Max what happened.
Two minutes with Max now. A licensed broker on the phone inside one business day, already knowing your story.
Important notes
- Clients connected with a broker through Punters Finance since 2018, from the live counter on puntersfinance.com.au as at September 2026. Rounded down.
- Total loans settled through the Punters Finance network since 2018, from the live counter on puntersfinance.com.au as at September 2026. Rounded down.
- Business hours, Monday to Friday, Queensland time. Max is available at any hour; a licensed broker calls inside one business day of the handover. Measured on the office clock and published on this site.
- Counts read from the office record for the last 30 days at the time the page was served: conversations opened with Max on this site, drafts written by the office, drafts a licensed broker reviewed (edited, approved or deleted) and drafts a broker sent. Test and demonstration files are excluded.
- Indicative. Specialist and alt doc rates vary with the lender, the reason for the decline, the loan to value ratio and the income evidence available. Your broker shows you the all in cost in writing before you decide.
- Illion and Equifax consumer credit reporting, Australia, 2024 to 2025: share of credit active adults with at least one adverse listing. Definitions vary between bureaux.
- Count of specialist, alt doc and non bank lenders accredited on the Punters Finance specialist panel as at September 2026. The panel changes as lender policy changes.
- A rule of this office, enforced in the system: a draft written by the office cannot be sent to a customer or a lender until a licensed broker has approved it. The record keeps the broker, the decision and the time on every draft.
- Punters Finance Solutions Pty Ltd ABN 31 632 559 776, Credit Representative 474370 under TSC Mortgage Brokers, BWM Licensees Pty Ltd ABN 84 602 422 668, Australian Credit Licence 384704. We arrange finance and do not lend. Max is an AI customer service representative and does not provide credit assistance.
What we are, and what we are not
Punters Finance Solutions Pty Ltd ABN 31 632 559 776. Credit Representative Number 474370 under TSC Mortgage Brokers, ABN 84 602 422 668, Australian Credit Licence 384704. We are a broker: we connect you with specialist lenders and arrange finance; we do not lend, hold your money or give financial product advice. Max is an AI customer service representative who listens, explains and routes; he does not provide credit assistance. Every recommendation, disclosure and lender submission is made by a licensed human broker. Credit guide · Privacy · Complaints, then AFCA on 1800 931 678.