Clients you can help
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.
Clients you can help
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.
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Self-employed
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Refinancer
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Investors
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First home buyers
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Real Life events
Growth or cashflow: Stress-free home loans for self-employed clients
Help your clients 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 client – the person behind the application.
Client Profile
- Looking to refinance or purchase their next property
- Looking to leverage value in the home to improve cash flow
- Looking to release equity
Credit Policy
- 1 or 2 year tax returns or financial statements for Full Doc
- 6 months ABN
- 1 form of income verification accepted across all Alt Doc loan options
- Company debts excluded from servicing
- Unlimited debt consolidation, incl. ATO and business debt
Getting to yes
- SLAs
- Home Loans: 1 business day
- Commercial: 3 business days - Direct access to credit
- Single sign off for home loan and commercial applications
- Fully digital applications
Sara and Jason share their experience with Pepper Money
Meet Sara and Jason, two Pepper Money self-employed clients, who were turned down by the banks. They discuss how our flexible approach to lending helped them secure a home loan.
Growth or consolidation: Refinancing could change their game
Refinancing can help reshape a client'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.
Client Profile
- Looking to refinance to get back on track
- Looking for ways that could help them reduce monthly repayments
- Looking to streamline their finances
Credit Policy
- Consolidation of unlimited number of debts
- Part 9 and 10 debt consolidation (home loans only)
- Late payments and non-mortgage arrears
- Consolidation of private and solicitor finance debts
- ATO tax debt and business debt
- Discharged bankrupt:
- Home loans: 1 day
- Commercial: >24 months
- No limit to cash out for stated purpose; subject to loan size and LVR (home loans only)
Getting to yes
- SLAs
- - Home Loans: 1 business day
- - Commercial: 3 business days
- Direct access to credit
- Single sign off for home loan and commercial applications
- Reduction in paperwork through Comprehensive Credit Reporting (home loans only)
- Fully digital applications
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 client'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.
Client Profile
- Multi-property investors
- 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
- 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
Getting to yes
- SLAs
- Home Loans: 1 business day
- Commercial: 3 business days - Direct access to credit
- Single sign off for home loan and commercial applications
- Fully digital applications
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.
Client Profile
- Buying their first home with a gifted deposit
- Getting onto the ladder with an investment property
Credit Policy
- No risk fees up to 80% LVR
- Non-standard income considered
- Construction options
- Approved FHOG lender
- Loan terms up to 40 years
- Credit impairment considered
- Borrow up to 95% LVR
Getting to yes
- Home Loans SLAs: 1 business day
- Direct access to credit
- Single sign off for home loan applications
- Fully digital applications
Get life back under control
Real life happens and sometimes clients 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
- Cash out for business use
- No limit on defaults
- 40 year loan terms
- Unlimited debt consolidation, including ATO debt (loan & LVR limits apply)
- Discharged bankruptcy (1 day)
- Part 9 & 10 debt agreements
- Late payments and arrears
Getting to yes
- SLAs
- Home Loans: 1 business day
- Direct access to credit
- Fully digital applications
Ready to help your clients find a loan that suits them?
All Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.
Pepper Money Personal Loans is a brand of Pepper Money Limited. Credit is provided by Now Finance Group Pty Ltd, Australian Credit Licence Number 425142 as agent for NF Finco 2 Pty Limited ACN 164 213 030. Personal information for Pepper Money Personal Loans is collected, used and disclosed in accordance with Pepper Money’s Privacy Policy & the credit provider’s Privacy Policy.
©Pepper Money Limited ABN 55 094 317 665; AFSL and Australian Credit Licence 286655 (“Pepper”). All rights reserved. Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647. Pepper Asset Finance Pty Limited ACN 165 183 317 Australian Credit Licence 458899 is the credit provider for asset finance loans. Pepper and the Pepper Money logo are registered trademarks of Pepper Group Assets (Australia) Pty Limited and are used under licence.
