Our Home Loan Options
Find your clients' fit with our wide range of home loan options
Pepper Prime
Our option for clients with a mostly clean credit history
- No third party LMI approval required
- Minor defaults under $500 may be accepted
- Non-genuine savings up to 90% LVR
- No limit for cash out for stated purpose (subject to loan size/LVR)
- Debt consolidation (4 debts)
- Vacant land accepted
- No third party LMI approval
Pepper Near Prime
For those who need greater flexibility and may be recently self-employed.
- 1 year's tax return accepted (Near Prime Clear)
- 1 form of income verification (Near Prime Clear)
- Unlimited defaults, judgements and writs $1,000, listed 24 months (Near Prime Easy)
- Acceptance of discharged from bankruptcy from one day (Near Prime Easy)
- Debt consolidation
- Cash out for personal and/or business use
- Payout of business and ATO debts
- 12 Month ABN (clean credit) accepted
- Cash out available for business use
Pepper Specialist
Tricky circumstances or life events? There’s still an option…
- Unlimited defaults, judgements or writs from 1 credit event, 12 months (paid or unpaid)
- Unlimited mortgage and non-mortgage arrears within the last 6 months
- 6 month ABN registration accepted
- Cash out for personal and/or business use
- Acceptance of discharged bankruptcy (from one day)
- Payout of business and ATO debt
- Cash out available for business use
Tools to help you
Bank said no? Give it the non-bank test
Not sure if you can help your client? We'll help you work it out. Find a home loan option by either contacting a BDM, submitting a scenario, or try our online Product Selector tool for an indicative offer in under 5 minutes.
Best yet, it's free and won't impact their credit score.
Best yet, it's free and won't impact their credit score.
Say yes to more people
Every client’s situation is unique, so whether they’ve experienced an unexpected life event, started a business or perhaps they're looking to leverage existing home equity, we have a range of options. Our home loan product caters to:
- Self-employed borrowers
- Refinancers
- Property investors
- First home buyers
- Real life events