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Sherlock Holmes Lending Solutions – mortgage detectives at work

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For people struggling with the process of obtaining a home loan through a traditional bank, Sherlock Holmes Lending Solutions, SHLS, may just be the solution they have been looking for.

Established in 2005, Sherlock Loans specialises in non-conforming lending for commercial, self-employed, investors, and credit impaired borrowers while still providing standard services that borrowers would find at a traditional bank.

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The company has – for nearly two decades – weathered several economic challenges including the global financial crisis, market changes, licensing requirements, and the COVID-19 pandemic.

Despite the hurdles, SHLS boasts a strong team of skilled brokers who are equipped to handle a wide variety of non-conforming and traditional lending needs.

Managing director Melanie Burns, pictured right, said Sherlock Holmes Lending Solutions catered to borrowers who didn’t fit traditional lending policies.

“A lot of borrowers used to be able to walk into their banks, pay a 20 percent deposit, and from there the process was relatively straightforward. However, over the years it has become increasingly difficult due to tighter lending standards and servicing requirements,” she said.

Ms Burns said brokers in Australia were deeply rooted in the country’s mortgage market, originating about 70 per cent of all mortgages in the country annually.

She said this marked a significant increase from the past decade where banks and other financial institutions dominated the mortgage origination market.

“This shift in market share is a clear indication of the continued preference of Australians for personalised, flexible, and customer-focused financial services,” Ms Burns said.

Sherlock Holmes Lending Solutions managing director Melanie Burns.

Brokers offer a wider variety of mortgage products than banks and other financial institutions, which enables them to cater to the individual preferences and financial circumstances of their clients, while also increasing their chances of finding the most suitable mortgage product.

Brokers can negotiate with multiple lenders to secure better rates and terms for their clients, ultimately saving buyers thousands of dollars in interest over the course of their mortgage repayment.

The shift in market share is where the non-conforming side of the business really shines.

“The non-conforming space used to be just for people with impaired credit ratings, or self-employed borrowers lacking current financials and tax returns, but it has expanded significantly to include commercial, self-managed super funds, cashflow lending, commercial vehicle and equipment finance and non-resident lending to name but a few,” Ms Burns said.

Four times a finalist for Non-Conforming Broker of the year at the Australian Mortgage Awards and Victoria/Tasmania Finance Brokers Association Australia state president from 2010 to 2015, Ms Burns and the team at SHLS are experts when it comes to specialist and non-traditional lending.

Based in Kilmore, with satellite offices in Carlton and clients situated across Australia, the team at Sherlock Holmes are ready, willing, and able to help people achieve their goals.

To receive a free, no obligation loan assessment, visit, call (03) 9021 2277 or 0405 243 141 or email

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