Meet Alex and Maria...

Alex and Maria* are looking to consolidate their ATO debt to improve cashflow. 

couple on sofa with children



  • Alex and Maria are married, have two young kids and own their home.
  • 6 years ago, they decided to set up their own childcare business.
  • Due to an increase in their income, they had a tax bill of $150,000, leaving them with large monthly repayments. 


Their current situation

  • Their home is valued at $2.5m with $1.5m remaining on their current loan.
  • They have no adverse credit impacting their credit report, having maintained a good repayment history.
  • Alex and Maria are looking to refinance $1.65m to consolidate their ATO debt and improve their cash flow.


Real life solution

  • Since they can provide the most recent 2 years of tax returns and notice of assessments, they qualify for a Near Prime home loan and can apply with full documentation.
  • With a loan over $1.5 million, they're able to borrow the full amount using a single security.
  • With the funds from Pepper Money, they’ll be able to repay their tax debt, avoiding penalty and recovery action from the ATO.



Broker submits scenario of client to non-bank lender

Non-bank lending making a real life difference.

Have a client with a similar situation? Put us to the test.

* 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.

Invested in your success

Helping you help all kinds of clients. Talk to us today.