
Submit a scenario
Loans you’re thinking of saying no to? Got a home loan or commercial scenario? Get a fast-paced review from our scenarios team. They can tell you when ‘no’ could be ‘yes’.
Common scenarios
- Have past credit impairment, including defaults, bankruptcy (1 day discharged), late or missed repayments (Near Prime Easy and Specialist)
- Have incomplete financials and need alternative income verification
- Want to consolidate an unlimited number of debts, including tax debt
- Want to access additional funds, for renovations of business use
- Are newly employed
- 30 year commercial loan terms
- Multiple dwellings on one title for commercial loans

Submit a scenario
Loans you’re thinking of saying no to? Got a home loan or commercial scenario? Get a fast-paced review from our scenarios team. They can tell you when ‘no’ could be ‘yes’.
All applications subject to credit assessment, loan eligibility criteria and lending limits. Terms and conditions, fees and charges apply.
†Before using Pepper Product Selector, it is important to ensure you have received your customer’s written consent to act on their behalf as an Access Seeker. All applications are subject to credit assessment and loan eligibility criteria. Terms and conditions, fees and charges apply. An indicative offer is not a formal approval for a loan and financial commitments must not be entered into based on it. It is not a suggestion or recommendation of any particular loan product. It is a guide only based on the limited information provided and the credit score obtained. An indicative offer is valid for 30 days. The actual interest rate and fees will depend on the borrower’s circumstances and the information verified during the loan application assessment.