Meet Olivia and Ben...

Olivia and Ben*, a recently married couple, are looking to purchase their first home.

couple looking at paperwork



  • Olivia and Ben are recently married and have a 1 year old baby. 
  • As a wedding gift, Ben's father gave them $75,000 to help them buy their first home. 
  • While Olivia is a stay-at-home mum, Ben started his own consulting business 3 years ago.


Their current situation

  • Thanks to a wedding gift from Ben's dad, Olivia and Ben were looking to purchase their first home for $500,000.
  • They initially approached their bank for a home loan, but were turned away. Despite having enough funds for the deposit, the bank considered the gift as ‘non-genuine savings’
  • With clean credit, income from Ben's consulting business, and Family Tax Benefits (Part A and B) making up their income for serviceability, they were looking for a lender who could support their dream of owning a home.


Real life solution

  • Pepper Money were able to offer them a Pepper Prime Full Doc loan at 85% LVR. 
  • They were able to apply with non-genuine savings as a deposit, and had their income assessed with Family Tax Benefits Part A and B on top of Ben’s self-employed income. 
  • This was verified through:
    - Last 2 years tax returns
    - Last 2 years tax assessment notices




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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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