Meet Sophie...

Sophie*, 34, has perfect pitch, superb timing and multiple income sources.

Musician gets loan so she can stop renting and buy a home



  • She has perfect pitch, superb timing and multiple income sources.
  • Age: 34

  • Occupation: Musician and part time school music teacher

  • Income: $90,000

  • Assets: $45,000 in savings, $10,000 car

  • Liabilities: $15,000 owing on credit cards

  • Credit file:  Unpaid default $890 > 24 months

  • Sophie is separated, lives with her mum and has two children.

Her current situation

  • She would like to take the pressure off her mum and buy a home with a backyard and to give her children some stability.
  • Because of her family situation, Sophie’s salary is supplemented by Government family payments and child support. 
  • An unpaid default also narrowed her options as to which home loan lender can support her.


Real life solution

  • Sophie qualified for a Pepper ‘Near Prime’ home loan which meant she could stop renting and buy her dream home.




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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