Meet Dave...

A young self-employed business owner – Dave* is looking to get on the property ladder.

Self-employed man with beard wants to refinance to pay ATO bill



  • He’s self-employed and has been trading for 6 months. 
  • He registered his ABN over 24 months ago.
  • Having worked hard to get his construction business up and running, Dave is in a position to buy his own place.


His current situation

  • Although Dave’s been running a successful business and has a clean credit history, his bank had refused to help him with a home loan because he’d only been operating his business for 6 months and was yet to finalise his tax returns.


Real life solution

  • Since he had a clean credit history, an ABN registered for at least 24 months, was registered GST for 12 months and could supply a declaration of financial position, Dave only needed to provide 2 forms of alternative income documentation;
    • 6 months BAS
    • 6 months BBS (inclusive of last month)
  • His broker was able to assist Dave with a Pepper Specialist Alt Doc home loan application.




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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