Recently voted Best Specialist Product in The Adviser’s Broker Product of Choice: Non-bank Survey, discover why our specialist lending could help your clients succeed.

What is specialist lending?

A specialist home loan might be an option for your clients for a number of reasons: they may be recently self-employed, have a past bankruptcy, have non-traditional income, or be behind in bill repayments. However, these situations are just a part of their story - real life happening to everyday Australians who are capable of moving forward.

These are just a few of the reasons why your clients may not tick all the boxes of the traditional lenders and LMI providers. We work closely with you to understand your client’s situation – be it their current employment or their past credit history.

Why a specialist solution could work for your client 

Doesn't meet mainstream criteria
Doesn't meet mainstream criteria

  • Failed to meet LMI
  • Failed to pass credit scoring
  • Previously declined
  • Minimal credit history – or recent migrant 

Previous credit issues
Previous credit issues

  • Overdue or overdrawn credit cards or debts 
  • Six months non-mortgage arrears 
  • One month mortgage arrears 
  • Discharged bankrupt 

Unique income / documentation
Unique income / documentation

  • Recently self-employed with 6 months ABN or GST registration 
  • Alternative income verification 
  • Child support payment

Debt consolidation
Debt consolidation

  • Consolidate unlimited debts 
  • Pay our tax or solicitor debts

How is specialist lending different?

Fundamentally, there is no difference to how you would approach offering a specialist home loan to your clients.

You still need to understand the borrower's requirements, objectives and offer them a product that’s suited to their financial situation.

The difference is in our understanding of a borrower’s financial history, income, and employment situation.

We manually assess every application and look into an individual’s unique circumstances – going beyond their credit score and income statements. This allows us to offer a tailored product that’s matched to their needs and situation.

How long does specialist lending take?

The application process from a broker’s perspective is the same as lodging an application with a traditional lender. What’s more, you can get an indication of what a specialist solution could look like by using Pepper Product Selector. In less than five minutes, you’ll get an example of what your clients repayments may be – and it won’t impact their credit score.

When it comes to applying for a specialist loan, our assessment team respond to most applications within two business days.

How can I introduce a specialist solution to my client?

5 Step Process

Understanding your client’s unique circumstances is generally the first step to introducing specialist lending. This starts with understanding why they are looking for a unique solution beyond the traditional lenders.

Where a challenge can lie is in offering a specialist solution to your client, especially if they were expecting a prime solution from a traditional lender.‚Äč To help you successfully present a specialist solution to your clients, we’ve developed a unique 5 step process. Give it a go – you won’t be disappointed!






Start by helping your client understand why they aren’t eligible for a loan with a traditional lender. Be empathetic and understanding of their situation.




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The alternative

Outline the alternative options you’ve identified, highlighting how these products meet their needs. This will provide them with a level of comfort, even if they aren’t familiar with the brand.




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The repayments

Help avoid ‘rate shock’ and tell your client what their monthly repayments will be. You can get this through using Pepper Product Selector (PPS).




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The long-term view

While it may not have the same headline rate as mainstream lenders, this solution could get them on-track to achieving their property goals sooner.




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The application

If your customer is ready to proceed, you can proceed with an application.

Find out how to practically apply this model to your business

Pepper Money accredited brokers can complete our Specialist Lending eLearning module

eLearning Program

Find out why top performing brokers are sold on Specialist Lending

Click on the unlocked profiles below to see how these brokers have used specialist lending to help their clients achieve their goals.

Join the growing number of brokers who are finding more solutions with Specialist Lending

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