What is GP Money?
GP Money is an Australian non-bank lender and mortgage manager, offering residential, commercial, SMSF, and specialist lending solutions. All loans are originated and distributed through our network of accredited broker partners. As both lender and mortgage manager, we are responsible for the full loan lifecycle — from initial credit assessment through to ongoing loan administration.
What makes GP Money's approach to lending different?
As a non-bank lender, GP Money applies a structured yet flexible approach to credit assessment. Rather than relying solely on automated scoring or rigid policy filters, each application is reviewed on its own merits by an experienced credit team. This allows us to consider a broader range of borrower profiles, income types, and security properties, and to deliver consistent, well-reasoned decisions in a timely manner.
What loan products does GP Money offer?
Our lending range covers residential home loans under both full doc and alt doc assessment, commercial finance, SMSF loans, and specialist products for borrowers who fall outside standard lending criteria. Each product is structured to address specific borrower circumstances rather than apply a one-size-fits-all approach.
Who is eligible to apply?
We consider applications from salaried employees, self-employed individuals, property investors, and SMSF trustees, subject to applicable product eligibility criteria. All applications must be lodged through an accredited GP Money broker. We do not accept loan applications submitted directly by borrowers.
Are there any restrictions on acceptable security properties?
Residential houses, townhouses, and completed apartments are generally accepted as security. Minimum internal area requirements apply to apartments, and concentration limits may apply to certain high-density developments. Commercial and SMSF security properties are assessed individually. We encourage brokers to contact our credit team to discuss any property-specific queries prior to submission.
How quickly are applications assessed?
Our credit team is structured for efficient turnaround without compromising assessment quality. Timeframes vary depending on the complexity of the application and whether all required documentation has been provided at the time of submission. Brokers are kept informed throughout the process, and any outstanding requirements are communicated promptly.
Financial Hardship & Complaints
What options are available if I am experiencing financial difficulty?
We recognise that a borrower's financial position can change due to circumstances outside their control — including unemployment, illness, a family bereavement, or other significant life events. If you are finding it difficult to meet your repayment obligations, we strongly encourage you to contact us as early as possible. Early contact gives us the greatest opportunity to work with you on a resolution. You can reach our team by phone on 1300 089 999 or by email at info@gpmoney.com.au.
How does GP Money assess a hardship request?
Each hardship request is reviewed on an individual basis. As part of that process, we will ask you to provide details of the circumstances that have given rise to the difficulty, your current capacity to make repayments, and whether the situation is expected to be temporary or ongoing. Where possible, we will work with you to identify an arrangement appropriate to your circumstances. All requests are handled with discretion and in strict confidence.
How do I make a complaint, and what can I expect?
Complaints can be submitted by phone on 1300 089 999 or in writing to info@gpmoney.com.au. All complaints are managed through our Internal Dispute Resolution (IDR) process. Upon receipt, the matter is referred to a manager with the appropriate authority to investigate. We will provide a written response setting out the outcome of our investigation and the reasons for our decision within 30 calendar days. If you remain dissatisfied following our response, you are entitled to refer the matter to the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or on 1800 931 678.
