Don't lose a client you could've helped


Posted: 22-03-2023

With research showing 1.19 million mortgage holders having been ‘At Risk’ of ‘mortgage stress’ in the three months to January 20231, those who traditionally qualified for a prime loan, could now need a real-life solution. That’s where non-banks come in. 

The good news is that we’ve made it really easy to get started. 

Real life = non-bank

Whether you call it non-conforming, non-bank, alternative, or specialist lending, these are all just different ways to describe borrowers' circumstances that may not tick the bank’s boxes. But, it’s a mistake to put these clients into the ‘too hard basket’ when there may be non-bank options available. 

Brokers who invest the time to help their clients navigate challenging times could set up their business for ongoing success. This doesn’t mean you as the mortgage broker need to work any harder or put in more work just because your client needs a real life solution.  


And it’s never been easier

Taking the guess work out of non-bank lending, we’re invested in providing you with innovative tech - so you can spend less time on the application and more time getting back to helping your clients. 

Here’s a snapshot of some of the ways we help you to succeed – from initial query to post-settlement. 

Decision SLA

Decision SLA

Home loans: 1 business day

Commercial: 3 business days 

Direct access to credit 

Direct access to credit 

Speak directly with our credit team about your client’s application.
Digital Identity Verification 

Digital Identity Verification 

Digital verification of identity (VOI) option with NextGenID. 

Loan Statements

Where CCR data is available, we no longer require loan statements for home loans being refinanced. 

One credit approval

Single approval for home loan and commercial real estate applications.

Simplified Valuations 

Automated and electronic home loan valuation options and commercial valuation ordering on CoreLogic Property Hub. 
Electronic Signing 

Electronic Signing 

NextGen e-signing of application documents and compliance tab. 
Application checklist  

Application, submission and approval checklist  

Increase you and your client’s time to ‘yes’ and reduce conditions and missing information requests, by knowing what supporting documentation is needed. 


Find your clients’ fit. You could identify a home loan option in under 5 minutes.  

We’re constantly evolving our processes, products, and policies to adapt to the market and your clients’ changing needs. Experienced and nimble enough to keep working on making non-bank lending easier than ever – we’re invested in your success.  


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. If you require financial or tax advice you should consult a licensed financial or tax adviser.

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.