Lending Breadth. Policy Depth.
For all sorts of client situations.
Harness the power of options. Find out how we could help grow your business and clients’ opportunities.
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Home Loans
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Commercial Loans
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SMSF Loans
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Construction Loans
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Personal Loans
Home Loans
Who we can help?
- Self-employed
- Investors
- Refinancers
- First home buyers
- Company borrowers
- Gig workers
How we can help?
- Debt consol / Refi tax and business debt
- 6 ways to verify income
- Range of income types considered
What we can help with?
- Credit impairment
- Up to 40 year loan terms
- LVRs up to 95%
- Loans up to $4m*
Feature that can help
- 1% servicing buffer
- Direct access to Credit team
- Fixed rates, no break fees
- Offset sub account & Redraw
* Across multiple securities. For single security loan amounts see our product guide.
Commercial Loans
Who we can help?
- Self-employed
- Investors
- Refinancers
- Company owners
How we can help?
- Refi tax & business debt
- Full & Alt Doc options
- Loans up to $7m*
- Credit impairment
What we can help with?
Range of security types:
- Retail
- Vacant land
- Industrial units
- Specialised securities
- and more
Feature that can help
- No annual reviews
- Direct access to Credit team
- No clawback for early repayment
- Offset sub account & Redraw
* Across multiple securities. For single security loan amounts see our product guide.
SMSF Loans
Who we can help?
- Residential property investors
- Commercial property investors
How we can help?
- No loadings for I/O loans.
- Loans up to $3m
- Range of security types
What we can help with?
- LVRs up to 80%
- Refi existing SMSF loan
- Up to 30 year loan terms
- Directors with defaults
Feature that can help
- No clawback for early repayment
- Only $200k in assets required.
- Pre-approvals
- No liquidity requirements
Construction Loans
Who we can help?
- Self-employed
- Investors
- Refinancers
- First home buyers
How we can help?
- I/O during construction
(up to 18 months) - Full & Alt Doc options
- ABNs from 12 months
What we can help with?
- LVRs up to 95%
- Prime & Near Prime options
- Vacant land accepted
Feature that can help
- Redraw post construction
- Capitalise fees (LVR limits apply)
- Make extra repayments
Personal Loans
Who we can help?
- Refinancers
- Young and independent
- Families
How we can help?
Up to 4 loan purposes:
- Debt Consol
- Car purchase/repairs
- Travel
- Home improvements
What we can help with?
- Loans terms up to 7 years
- Rates based on client’s situation
- Range of income accepted
- Joint applications
Feature that can help
- No fees
- Get clients’ rate before applying
- Funds next business day
- Weekly or fortnight repayments
Got a non-bank deal on your desk?
Give it the Pepper Money test.
Postcode Calculator
Determine the maximum loan amount we'll lend in your client's postcode.
Servicing Calculator
Calculate your client's serviceability estimate prior to application.
Scenarios
Submit your home loan scenarios and get a quick review from us.
