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

Background
- 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, Youssef is in a position to buy his own place.
His current situation
- Although Youssef’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 for GST for 12 months and could supply a declaration of financial position, Youssef 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 Youssef with a Pepper Specialist Alt Doc home loan application.

Non-bank lending making a real life difference.
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