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Pepper Money residential lending policy
Understand how we approach specific scenarios so you can structure deals with confidence.
Credit impairments and tax debt overview
Learn:
- about our flexible policies
- options for clients wanting to consolidate debts
Use when:
- standard bank policy doesn’t apply
- clients have credit history issues getting in the way of a home loan
Servicing and income types
Learn:
- how our cascading credit model works
- using income niches to maximise borrowing capacity
- how PAYG income is assessed in our calculator
Use when:
- clients are close to servicing limits
- income structure is non-standard
- you need to maximise borrowing capacity
See how deals get done (real-life broker scenarios)
Gerard: Giving clients certainty
When the situation didn’t meet standard bank requirements, this scenario shows how Pepper Money’s approach created a workable solution.
Anthony: Looking beyond rate
An expert perspective on why structure and policy flexibility matter – and how non-bank lending can expand what’s possible for clients.
Build better submissions
Practical resources to help you submit strong applications and move deals forward faster.
Manage and grow your non-bank business
Additional insights to support your business and your client relationships.
Educate us!
Important Information
This document is a guide only and not to be used as a substitute for qualified professional advice. The information is believed to be correct at the time of distribution. Pepper Money does not accept responsibility for any outcome that might result from using or relying on the content of this page.
All Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
SMSF loan applications are only eligible to corporate trustee(s).
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
