Voted Best Specialist Lender nine times in a row at RFi Group’s Australian Lending Awards. Discover how our Specialist home loan options could help your clients.

A specialist home loan might be an option for your clients for several reasons: they may be recently self-employed, have a past bankruptcy, receive a 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.

We work 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

  • Recently self-employed with 6 months ABN or GST registration
  • Alternative documentation
  • Cash out up to 85% for personal and business use
Credit history

Credit history

  • Unlimited defaults, mortgage and non-mortgage arrears considered
  • Part IX and Part X arrangements considered
  • Discharged from bankruptcy (1 day)
Real life income

Real life income

  • Centrelink Family Tax Benefits A & B accepted
  • 100% of Child Support or Maintenance payments accepted
  • Family Support payments are considered on merits of application and not excluded after a certain age
  • Employer and Government paid maternity leave payments are accepted
Debt consolidation

Debt consolidation

  • Consolidate unlimited debt
  • Payout tax debts
  • Payout private or solicitor debts

All applications are subject to Pepper Money's credit assessment and loan eligibility criteria. Terms, conditions, LVR limits, fees and charges apply.

More options for you and your clients

Specialist lending - also known as non-conforming lending - can provide more options when an applicant doesn’t typically conform to the major banks' standard loan criteria.

If your clients are having trouble getting a home loan because of their credit history, type of employment, or their income doesn't tick the right boxes, a specialist home loan could be an option

At Pepper Money, we use the same approach for both Specialist and Prime loans in the application and loan assessment process. And if we can find a way to help, we will.

​How can I introduce a Specialist home loan to my client?

5 Step Process


If a Specialist lending solution may be suitable for your client, our 5 Step Process can help you position the solution when they may have expected a home loan from a traditional lender.

PPS: Find your clients fit

pepper product selector

Find a home loan option for your client in under five minutes. Answer a simple set of questions about your client’s situation, and we’ll combine their credit score to provide a home loan product, interest rate, and associated fees, in the form of an indicative offer.

Best yet, it’s free and won’t impact their credit score.

Contact your BDM to request access

Before using Pepper Product Selector, it is important to ensure you have received your customer’s written consent to act on their behalf as an Access Seeker. All applications are subject to credit assessment and loan eligibility criteria. Terms and conditions, fees and charges apply. An indicative offer is not a formal approval for a loan and financial commitments must not be entered into based on it. It is not a suggestion or recommendation of any particular loan product. It is a guide only based on the limited information provided and the credit score obtained. An indicative offer is valid for 30 days. The actual interest rate and fees will depend on the borrower’s circumstances and the information verified during the loan application assessment.

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

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