Case Study - Adrian and Rebecca

Meet Adrian and Rebecca...

Case Study Theo

A couple who were looking to get back in control of their finances after their whole town had lost their jobs overnight.

  • Age: Adrian is 30 and Rebecca is 28
  • Occupation: Adrian is a warehouse worker and Rebecca is a security officer
  • Income: Adrian earns $97k and Rebecca earns $70k
  • Assets: House valued at $700k
  • Liabilities: $50k


Adrian and Rebecca are from a mining town in Tasmania where overnight, the whole town lost their jobs.

As a result, Adrian and Rebecca lost 3 investment properties and fell behind on the mortgage repayments of their home in a matter of months. They relied on multiple credit cards to cover their living expenses and bills in the initial unemployment period, but fell further in debt.

Determined not to lose their home, Adrian and Rebecca found new jobs in a town about 50km away. They were still struggling to make all their repayments and required a solution that would help them get back on top and in control of their finances.

The Solution

Their broker recommended Pepper Money‘s Specialist Full Doc PLUS product which accepts more than one month of mortgage arrears (within last 6 months) and consolidation of more than four debts (including ATO debt). Adrian and Rebecca were thrilled to be able to keep their family home and take back control of their finances. 

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These case studies are based on real-life examples and have been provided solely for educational purposes. The case studies are 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. Outcomes will vary depending on the applicant’s individual circumstances. All applications are subject to Pepper Money's normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply. Pepper Group Limited, Australian Credit Licence Number 286655, is the servicer of loans made by Pepper Finance Corporation Ltd ACN 094 317 647.