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Any particular reason why you want to avoid them? It's impossible to comment on which lender to recommend without knowing the finer details of your situation. Perhaps hit up Pete T above for a fact finding session - he's a pretty clever dude and is based in Melb too. Cheers Jamie

Online lenders are generally only receptive to vanilla stuff. You'll need to work with a lender that allows 2 on 1 - there's heaps that will. Cheers Jamie