Flexible options for commercial property scenarios
Whether your client’s purchasing premises for their business, growing a commercial property portfolio, refinancing existing debt or looking for a solution beyond traditional bank criteria, our approach is designed to help more clients succeed.
It’s our policy to look beyond the obvious
We know commercial lending isn't always straightforward. Every scenario has its own story and context. That's why we focus on understanding your client’s situation.
When you need flex
Prime to near prime options
No annual reviews in most cases
No GSA required or company guarantees up to $5,000,000
No minimum time requirement on leases for investors – Weighted Average Lease Expiry (WALE)
No commission clawback for early payout
Key features that can help
Up to 5 years I/O with no loadings
100% interest offset sub account (fees apply)
Ability to split loan accounts
Additional payments
Redraw facility
Direct access to Credit Team
One credit sign off for residential and commercial
Commercial credit policy at a glance
| Loan questions | Our options |
|---|---|
| Acceptable purposes | Purchase or refinance of commercial properties; including
|
| Borrower types |
|
| Loan sizes | Prime option: $100,000 – $5,000,000 |
| Credit history | Prime option:
Near Prime option:
|
| Locations covered | Commercial security:
*non-metro limitations apply. See our postcode calculator Residential security:
|
| Interest only repayment | Interest Only: maximum 5 years followed by Principal and Interest for the remainder of the loan term. |
Documentation options
Full Doc option: PAYG
If your client has access to PAYG income documentation, we’ll ask for either the:
Latest payslip and three months' bank statements showing salary credits
Latest payslip or three months' bank statements, plus one of the following:
Letter of employment
Notice of assessment
Latest PAYG payment summary
Employment check completed by Pepper Money
Full Doc option: Self employed
To help us understand your client's business performance, provide the financial documentation that best reflects their position.
Most applications will need the:
Last two years' tax returns, plus one of the following:
Last two years' notices of assessment
Last two years' financial statements
For Near Prime option clients with no adverse credit history and a loan under $1,500,000, we'll also accept either:
Most recent lodged tax return and notice of assessment
Most recent financial statements prepared by a registered accountant (CPA, CA or IPA), plus current lease documentation (if applicable)
Alt Doc option:
we’ll consider:
ABN registered for 24 months
GST registered for 12 months
Declaration of financial position plus one of the following:
Last Six months business bank statements, including the most recent month
Last Six months BAS
Pepper Money accountant’s letter (up to $3,000,000)
Copy of current lease documentation (where applicable)
Commercial securities
| Our standard securities | Max LVR |
|---|---|
| 80% |
| Our specialised securities | Max LVR |
|---|---|
| 80% |
| 75%
|
| 70% |
| 65% |
| 55% |
We won’t consider:
Development sites
Rural properties
Motels, hostels, backpackers
Hotels/clubs
Commercial construction projects
Places of worship
Private hospitals
Retirement villages
Resorts/theme parks
Recreation complexes
Marinas
Brothels, casinos/clubs
Caravan parks
Vineyards
Display homes
Petrol stations
NRAS properties
Abattoirs
Contaminated land or farms
Got a client you need help with?
Apply Online
Helpful links
Important Information
Information is correct as at [Product guide date] 2026 and subject to change at any time.
This content is for accredited Pepper Money brokers, introducers and intermediaries, including those applying for accreditation. It shouldn't be distributed to or relied upon by consumers.
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.
