Meet Melissa...

Melissa*, a full-time accountant, looked to use the equity in her home to start renovations.

Woman showing tradie around house to begin home renovations



  • Melissa has been working full time in accounting for the past 10 years.
  • She owns her own home valued at $1.3m.
  • Melissa had no judgements or defaults.
  • Though due to missed payments (non-mortgage) she had an X recorded on her repayment history.


Her current situation

  • To improve her home Melissa decided to undertake renovations but didn’t have enough savings, so she took out 7 unsecured loans to cover the costs.
  • Using the equity in her home, she wanted to consolidate her home loan ($700,000) and the 7 unsecured debts ($30,000) into one monthly repayment. 


Real life solution

  • Since Melissa was able to provide 2 pay slips and payment summary to verify her income, she was eligible for a Pepper Near Prime Clear home loan option with full documentation.
  • With the funds from Pepper Money, she was able to consolidate all her debts into one easy to manage monthly home loan repayment.




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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