Diversifying beyond Home Loans:
Unlocking opportunities for your clients

broker talking to his client

We’re here to help your clients succeed, no matter their financial goals: Whether it’s a simple personal loan, a commercial lending opportunity, a SMSF loan, or they’re looking to finance a vehicle or office equipment with our asset finance options.

As brokers, you play a crucial role in helping your clients and we have a wide range of flexible loan options to help you grow your portfolio beyond home loans alone. 


Commercial lending: Empowering your client’s business success

We understand that success in business is not just about having a vision – it’s about having the resources to turn that vision into reality. We offer a suite of commercial lending options designed to empower your clients to succeed in a competitive marketplace.

Flexible solutions for every business need

If your clients are looking to fund commercial property, Pepper Money has the flexibility to support their ambitions. Our commercial lending options are tailored to meet the diverse needs of businesses across various industries – from retail, to hospitality, and healthcare.

Our Can Do approach to Commercial lending

We understand that every business is unique and has different requirements, we offer commercial property loans with:

1-year tax return full doc option, making it easier for businesses to access funding
Flexible loan terms over 1-30 years, providing the longevity needed for long-term planning
Borrowing up to 80% LVR, giving businesses back cash to assist with their business growth
Alt-doc options, ensuring that even those with non-traditional documentation can secure funding

Find out more about Commercial Lending

Whether your client's goal is to grow, invest or expand, discover how our Can Do approach to commercial lending could help them succeed.


Securing your client’s retirement with an SMSF loan (Self-Managed Super Fund)

Our SMSF loans are a testament to our commitment to offering diverse options that enable brokers to help their clients succeed. They are designed to unlock the investment potential within your clients’ Self-Managed Super Funds.

With Pepper Money, brokers can offer their clients the ability to invest in both residential and commercial properties through their SMSFs.

Our Super Smart Approach to SMSF lending

If your SMSF client is looking to invest in a property, or refinance their existing SMSF loan, then we've got lending options that could make all the difference. Here are a few of the key features of our SMSF Loans:

Loan amounts up to
$3 million
LVRs up to 80%:
For residential security, giving clients the leverage they need
Long-term loan options:
Up to 30-year loan terms with interest-only options for up to 5 years, facilitating long-term investment strategies
Redraw facility:
Available twice a year, per the anniversary of the loan, for up to $50k at a time for repairs and maintenance of the security property.

Find out more about our SMSF Lending for your clients

A Pepper Money SMSF loan may be an option for Corporate Trustee SMSF clients who want to use their super funds to buy property.


Personal Loans: helping Aussies succeed across all walks of life

At Pepper Money, we believe in the power of possibilities. Our personal loans provide a gateway to helping your home loan clients achieve their aspirations, big and small. For brokers looking to diversify their loan portfolio, our personal loans offer a versatile and accessible way to help clients achieve their dreams.

Versatility at its best

From home renovations to dream vacations, from debt consolidation to buying a car, our personal loans are designed to cater to the myriad of desires that fuel your clients’ lives. 

Why our clients love our Personal Loans

With loan amounts ranging from $5,000 to $50,000, we provide the financial flexibility to support a wide array of personal projects and purchases.

No Fees, No Worries

  • Transparency and affordability:
    A commitment to no hidden costs
  • Fixed-rate personal loans:
    No setup fee, monthly fee, or early repayment fee

Tailored to Fit

  • Personalized interest rates:
    Reflective of individual financial situations.
  • Informed decisions:
    Rates are provided upfront without affecting credit scores.

Quick and Convenient

  • Streamlined process: Quick application with a response in just 2 minutes.
  • Fast access to funds: Money available within 24-48 hours post-approval.

Find out more about our Personal Loan options for your clients

Help your clients make their personal goals a reality. Our no fee loans offer a real life option for your personal loan clients.


Asset Finance: Driving your clients’ success

Our asset finance solutions are designed to support brokers and their clients, whether they’re self-employed individuals or large business owners. 

Brokers help clients looking to finance a car or equipment

What’s under the bonnet? A wide range of Asset Finance options

From personal consumer loans, and novated leases, to business-focused commercial loans and finance leases, we cater to a wide range of needs. Here’s how we can help:

Consumer loans

Ideal for clients looking to finance personal vehicles, boats, or caravans

Novated leases

A tax-effective way for employees to lease a vehicle of their choice

Commercial loans

Tailored solutions for businesses to finance vehicles or equipment

Finance leases

Flexible leasing options that keep business assets up-to-date

Building long-term partnerships: A smooth ride for years to come.

With a focus on technology, retention, and dealership support, we’re committed to fuelling the long-term success of every venture.

Our retention program uses industry-leading tech and insights to deliver leads directly to your business. Additionally, we actively support dealerships by providing tailored finance options that enable them to offer optimal solutions to their customers.

Find out more about our Asset Finance options

Our asset finance offerings are as varied as the ambitions of your clients.  Looking to finance a car, boat, caravan or EV? We’ve got a dedicated range of asset finance solutions that could help.


Building on solid foundations: Our flexible Home Loan options.

Don’t forget our flexible and accessible home loan options. We look beyond credit scores and consider the real-life circumstances of each borrower. Here’s what you need to know about our home loan options:

Buying a home

Whether your client is a first-home buyer or is looking to move up the property ladder, we offer a personalised approach to home loan lending based on your client’s individual situation.
Learn about our Home Loan options


Help clients refinance their existing loans to improve their financial situation or access equity. Explore our Refinancing options.


We understand the complexities faced by self-employed individuals. Our tailored solutions cater to their unique needs.
Discover our Self-employed home options

Real life home loan options

Sometimes clients face unexpected hurdles. We offer home loan options for real people, and evaluate each application based off the person behind the numbers.
Discover clients we could help.

Don't forget our Home loan options: We’re here to help you and your clients succeed.

As brokers, you have the power to transform lives by offering diverse financial solutions. Pepper Money stands by your side, providing flexible finance options to help you grow your portfolio beyond home loans alone.

Got a deal on your desk? Give it the non-bank test.


SMSF product is for corporate trustee SMSF borrowers only.

All Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. We recommend that independent financial and tax advice is obtained.

Pepper Money Personal Loans is a brand of Pepper Money Limited. Credit is provided by Now Finance Group Pty Ltd, Australian Credit Licence Number 425142 as agent for NF Finco 2 Pty Limited ACN 164 213 030. Personal information for Pepper Money Personal Loans is collected, used and disclosed in accordance with Pepper Money’s Privacy Policy & the credit provider’s Privacy Policy.

©Pepper Money Limited ABN 55 094 317 665; AFSL and Australian Credit Licence 286655 (“Pepper”). All rights reserved. Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647. Pepper Asset Finance Pty Limited ACN 165 183 317 Australian Credit Licence 458899 is the credit provider for asset finance loans. Pepper and the Pepper Money logo are registered trademarks of Pepper Group Assets (Australia) Pty Limited and are used under licence.

Invested in your success

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