Support more property investment scenarios
Our policies are designed to help support a broad range of investor situations. From first investment properties, to building a portfolio, through to restructuring debt or looking to maximise existing equity. We offer flexibility around:
Non-standard income
Self-employed borrowers
Recent credit events
Debt consolidation
Borrowers with complex financial situations
Loan option features that may be helpful for investors:
Interest-only repayment options
Unlimited additional repayments on variable loans
Redraw facility
Split loans
Offset sub-account options
Cashout for acceptable purposes
Debt consolidation, including multiple debts (subject to policy).
Common debt reducer
No notional rent
Fixed rates, no break fees
Investor policy quick view
| Policy area | Approach |
|---|---|
| Existing investment debt | Existing loans with other lenders assessed using actual repayments plus a 25% buffer. |
| Rental income | Can use 80% of gross residential rental income. Accept negative gearing benefits in servicing for eligible properties. No notional rent assumptions. |
| Interest-only loans | Interest-only available up to 5 years. Loan terms up to 40 years |
| Living expenses | Use verified living expenses and benchmark measures. |
| Debt to income (DTI) | No DTI limit. |
| Portfolio investors | No limit on number of security properties. No additional servicing loading for professional investors. |
| Genuine savings | Non-genuine savings considered. |
Assessment will depend on the overall lending scenario and supporting information.
Interest and dividends income verification
If the applicant(s) is receiving income from interest and dividends, then the following is required:
Last 2 years Certified Tax Returns and Tax Assessment Notices; OR
Last 2 years Financial Statements prepared and signed by a registered tax agent or an Accountant who is registered with the CPA, CAA or NIA.
Capital gains on sale of assets is not an acceptable income source.
Rental income verification
In a situation where an applicant(s) has rental-based income they may need to provide:
Rental AVM conducted by Pepper; OR
Rental estimate from Valuation Report (AVM, EVR, SMARTval, Short Form or Long Form)
Rental Appraisal from a Real Estate Agent for new purchases; OR
Rental Statement from the Managing Agent for properties already tenanted; OR
Current lease or tenancy agreement for properties already tenanted with bank statements confirming rental deposits for private agreements; OR
Taxation returns showing declared income; OR
Airbnb / Stayz / Booking.com and related online agencies
Rental income from Airbnb / Stayz / Booking.com and related online agencies when the client can provide
Agency statement
Bank account credits
Tax returns
Running costs associated with this type of property as shown on the statement should be verified on the declared Investment Property expenses under Basic & Living Expenses
Foreign / Overseas rental income
Foreign rental income can be accepted when the client can demonstrate:
Income to be paid into an Australian bank account
three months verification required.
Income must be declared in Australian tax returns (this may be under the 'foreign/overseas income' field)
Client's principal place of residence must be within Australia.
Construction loan option
Where applicants are constructing an investment property, proposed rental income from that investment property is considered income for servicing.
Borrower profiles
First time investors
Professional investors
Rent-vestors
Self-employed investors
Non-trading company, trust and SPV borrowers
For trading company, trust and SPVs see our commercial policy.
Ready to help your clients find a loan that suits them?
Frequently Asked Questions
Our residential lending solutions are designed to help brokers support a broad range of investor scenarios, from first-time investors through to more complex portfolio strategies.
Investment opportunities may be available for first-time investors, subject to lending criteria, servicing and overall application assessment.
We provide options that may support self-employed borrowers and more complex income verification requirements.
Acceptable security types may include houses, villas, townhouses, duplexes, units , and residential vacant land, subject to lending and valuation requirements.
Equity release opportunities may be considered depending on the overall lending scenario, purpose of funds and supporting information provided.
Many investor enquiries involve multiple factors such as income complexity, security considerations, servicing and loan structure. Reviewing the complete scenario often provides the clearest indication of suitability.
Yes. We offer offset sub-accounts on all our variable rate home loan options. See our factsheet for more information.
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.
