Saying yes to more people

Every client’s situation is unique, so whether they’ve recently experienced an unexpected life event, recently started a business or perhaps looking to leverage existing home equity, we have a range of options.

Submit a scenario

Customers who we can help

Growth or cashflow: Stress-free home loans for self-employed customers

Help your customers get their home loan sorted so they can focus on growing their business.

We don’t just look at the black and white boxes on the application. We make the effort to get to know the customer – the person behind the application.

Profile

Buying their first home with a gifted deposit
Getting onto the ladder with an investment property

Credit Policy

IO (max 5 years) followed by P&I
Maternity leave
Family tax benefit A&B
Child support (no age limit)
Centrelink persons

Our approach

Defaults and judgments
Court writs and summons
Arrears or late payments
Discharged bankruptcy (1 day)

Case Studies

There are many reasons why your client may not fit the criteria of traditional lenders, but no matter their circumstances, with Pepper Money’s product ranges, you are likely to be able to find a possible solution.

View our Self-employed Case Studies

Sara and Jason share their experience with Pepper Money

Refinancing may sound complicated, but it really isn't. From paying for renovations or combining debts, to securing an enticing home loan offer - there's so much your equity can do.

Growth or consolidation: Refinancing could change their game

Refinancing can help reshape a customer’s financial situation.

Equity could be used for cash-out, allowing them to invest in their kids’ education, buy a boat, or get stuck into that long-overdue renovation.

Likewise, it could help them consolidate debts or bring multiple mortgages together with one lender so they can streamline their financial commitments. What’s more, even if they’ve had a few blips on their credit score, they may still be able to refinance their home loan.

Profile

Looking to refinance to get back on track
Looking to leverage value in the home to improve cash flow
Looking to release equity

Credit Policy

Company or trust borrowers
Income verification options
1 or 2 years tax returns and notice of assessment
Last 2 years Financial Statements signed by a registered tax agent
6 months BAS statements
6 months business bank statements
Pepper Money accountant's letter

Our approach

1 form of income verification plus declaration of financial position
Consolidation of business or tax debt
Finalise debts under deed of company arrangement
Tax debt remaining on payment plan
Full doc and alt doc options

Case Studies

View our Refinancing Case Studies

Invested in their success

Investing in property is an opportunity that could generate returns over time and play a significant role in helping to grow your customer’s wealth.

We get the level of thinking and planning that goes into in a venture like property investment. That’s why we keep things at our end as simple, streamlined and flexible as possible, to make sure the process doesn’t become a process.

Profile

Looking to invest in multiple properties
Professional investors
First time investors

Credit Policy

No limits on the number of security properties
No additional loading for professional investors
Non genuine savings up to 90% LVR
No debt-to-income limit

Our approach

Debts from other lenders can be taken at actual payments with a 25% buffer
Inheritance and income from a trust accepted
No notional rent
Negative gearing accepted

Case Studies

View our Investors Case Studies

Get their feet on the property ladder

They’ve saved their deposit and are looking forward to making themselves at home. It’s a big commitment with a lot of change. The good news is we’re here to make the move to home ownership as easy as possible.

Profile

Looking to invest in multiple properties
Professional investors
First time investors

Credit Policy

No LMI up to 85% LVR
Non-standard income considered
Construction options
Approved FHOG lender

Our approach

Loan terms up to 40 years
Credit impairment considered
Borrow up to 95% LVR

Case Studies

View our First Home Buyers Case Studies

Get life back under control

Real life happens and sometimes customers face unexpected hurdles. From a small change in circumstances through to big shifts, it can sometimes be tough for them to get on track.

We don’t think financial events in the past should hold them back from their financial future, which is why we offer home loan options for real people, and evaluate each application based off the person behind the numbers.

Profile

Dealing with divorce
Unexpected illness
Unexpected employment changes
Credit impaired
Bankruptcy

Credit Policy

No LMI up to 85% LVR
Non-standard income considered
Construction options
Approved FHOG lender

Our approach

Loan terms up to 40 years
Credit impairment considered
Borrow up to 95% LVR

Case Studies

View our Real-life Events Case Studies

Sara and Jason share their experience with Pepper Money

Refinancing may sound complicated, but it really isn't. From paying for renovations or combining debts, to securing an enticing home loan offer - there's so much your equity can do.