Meet Danielle...

Danielle*,  a 30-year-old pastry chef, was recently made redundant in her role after 6 years of service.

Woman gets alt doc loan to buy investment property



  • After 6 years of service, she was made redundant in her role.
  • Danielle recently started a cake company from home and business is going well.
  • Looking to set herself up with a second income stream, Danielle wants to purchase an investment property. 


Her current situation

  • Danielle has been declined by traditional lenders because her new business has only been trading for 6 months. 
  • This meant she only had 6 months of business bank statements available as income evidence, and she could not provide the last two years tax returns.


Real life solution

  • After reviewing Danielle’s situation, Pepper Money was able to offer her a Pepper Specialist Alt Doc loan at an 85% LVR, which allows for alternative income verification through:
    • 6 months registered ABN

    • 6 months registered GST

    • A declaration of financial positioning plus one of the following

    • 6 months Business Bank Statements (inclusive of last 1 month)

    • 6 months BAS


Broker submits scenario of client to non-bank lender

Non-bank lending making a real life difference.

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* Fictional scenario. These case studies are based on real-life examples, are not testimonials and have been provided for educational purposes only. They are 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. Outcomes will vary depending on the applicant’s individual circumstances. Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

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