Clients need home loan options?
Discover our lending breadth & policy depth
Helpful polices at a glance
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Real Life events
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Self-employed
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Refinancer
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Investors
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First home buyers
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, 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
- Prior bankruptcy
Credit Policy
- Unlimited cash out up to max LVR
- No limit on defaults
- Up to 40 year loan terms
- Unlimited debt consolidation
- Refi ATO debt
- Discharged bankruptcy (1 day)
- Part 9 & 10 debt agreements
- Late payments and arrears
Speed to decision
- Product Selector
- Full digital applications
- App Tracker
- Upfront valuations
- Digital ID
Sound helpful? Find your client’s fit.
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 boxes on the application. We make the effort to get to know the client and their business behind the application.
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
- Full Doc option: 1 or 2 years tax returns or financial statements
- 6 months ABN
- Alt Doc option: 1 form of income verification
- Refi ATO and business debt
- Cash out for business use
- Loans up to $5M up to 80% LVR or $3M up to 95%LVR
- LVRs up to 95% in Cat 1 -4 locations & high-density
Speed to decision
- Product Selector
- Full digital applications
- App Tracker
- Digital Alt Doc Forms: Alt Doc Xpress
- Upfront valuations
- Digital ID
Sound helpful? Find your client’s fit.
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.
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, streamlining their financial commitments. 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 for ways that could help them reduce monthly repayments
- Looking to streamline their finances
Credit Policy
- Unlimited debt consolidation ATO & business
- Part 9 &10 debt agreements
- Payout private & solicitor loans
- Unlimited cash out personal and business (LVR limits apply)
- Common debt reducers
- 1% servicing buffer for select scenarios
- LVRs up to 95% in Cat 1 - 4 locations & high-density
Speed to decision
- Product Selector
- Full digital applications
- App Tracker
- Upfront valuations
- Digital ID
- Reduced paperwork with Comprehensive Credit Reporting
Sound helpful? Find your client’s fit.
Invested in their success
Investing in property is an opportunity that could generate returns over time and play a role in helping to grow your client's wealth.
We get the level of thinking and planning that goes into in investing in property. That’s why we keep things at our end as simple, streamlined and flexible as possible.
Profile
- Multi-property investors
- Professional investors
- First time investors
- Rent-vestors
Credit Policy
- No professional investor loadings
- No debt-to-income limit
- Debts from other lenders taken at actual payments + a 25% buffer
- No notional rent
- SPV, company and trust borrowers
- 1% servicing buffers for select scenarios
- LVRs up to 95% in Cat 1 -4 locations & high-density
- Capitalise LPF up to 98% LVR (for purchases only)
Speed to decision
- Product Selector
- Full digital applications
- App Tracker
- Upfront valuations
- Digital ID
Sound helpful? Find your client’s fit.
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. The good news is we’re here to make the move to home ownership as easy as possible.
Profile
- Buying their first home with a gifted deposit
- Getting onto the ladder with an investment property
Credit Policy
- Non-standard income considered
- Loans up to $3M up to 95% LVR
- Capitalise LPF up to 98% LVR (for purchases only)
- Approved FHOG lender
- Loan terms up to 40 years
- Non-genuine savings
- 1% servicing buffers for select scenarios
- Fixed rates, no break fees.
- Credit impairment considered
- LVRs up to 95% in Cat 1 -4 locations & high-density
Speed to decision
- Product Selector
- Full digital applications
- App Tracker
- Upfront valuations
- Digital ID
Sound helpful? Find your client’s fit.
No LPF: Your Prime Time Flex
Choice of variable or fixed rate home loan option
Variable rate benefits
- Offset sub- account (fees apply)
- Free online redraw
- Visa debit card1
Fixed rate benefits
- No break fees
- 2, 3, 5, 7 and 10-year loan terms
- Unlimited extra repayments
After a more in-depth overview of our options?
Tools to help you
Rates & Fees
Tools & Calculators
Documents Library
