Meet Hamish...

Hamish*, 55, is a builder by trade who plans to grow his handyman business.

Broker helps self-employed client



  • Decided to set up his own business four years ago. 
  • Having maintained clean credit and a steady stream of income. 
  • Hamish owns his own home, valued at $900,000.


His current situation

  • A new opportunity to expand his business has come up – and Hamish needs a quick solution.  
  • With an income of $300,000 and a solid growth plan, Hamish is looking to use the equity in his home to consolidate a $25,000 personal loan and cash out $180,000 to expand his business.


Real life solution

  • Hamish was able to apply for a Pepper Near Prime Home Loan with a full doc application through providing his last 2 year’s tax returns and notice of assessment. 





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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