Pepper for the self-employed

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There’s a lot to be said for being your own boss. But when it comes to getting a home loan, it can be a little tough.

If you don’t have tidy financial records, like not having your tax returns up-to-date for instance, you might hit a wall with the traditional lenders. But not to worry, that’s exactly where Pepper Money steps in to help.

When you’re self-employed, you might have a lot of documentation. Or you may only have a little. Either way, when you come to Pepper Money for a home loan, we’ll do our best to help find a way forward.

Up to date with full doc
Being up to date with 'Full Doc'

‘Full doc’ is a term we use that simply means you have all the up to date documentation you need to apply for a particular loan. Let’s say you are PAYG or self-employed and you have all your tax returns up to date. This documentation would be required as part of your ‘Full doc’ loan application.

Alternative document
There's another way with 'Alt Doc'

If you don’t have all the documents needed for a ‘Full doc' application, you might instead meet ‘Alt doc’ requirements. That simply means you perhaps don’t have your tax returns up to date and we’ll help you find alternative ways to verify your income and confirm your ability to repay a home loan. Depending on the product you apply for, we might ask for different documentation, like your bank statements, Business Activity Statements (BAS) or an accountant’s declaration.

It's all about being flexible

We’re not about how you fit into a regimented system, we're about doing our best to find a home loan suitable for you.

Just because you’re self-employed and might not tick all the usual boxes for a traditional lender, it doesn’t mean to say you’re unable to get a home loan.

The smallest of credit defaults like a missed phone or utility bill shouldn’t be the difference between a yes or a no. And your application shouldn’t be scored by an automated credit-scoring machine that doesn’t let you tell your story.

By being a little flexible, we’ve been able to help thousands of small business owners in Australia achieve their home loan happiness.

How much would you like to borrow?

Try our Home Loan Pre-Approval Tool to find out if Pepper can help. Our 5 step process is simple and only takes a matter of minutes!

Find out now The result is indicative only and is subject to final approval. This tool does not provide a formal approval for a loan. For a formal approval, contact us now to discuss your needs on 13 73 77.

We hear you

At Pepper Money, you’ll talk one-on-one to a Lending Specialist. That person will be the one that sees your application all the way through, from your first chat about your personal circumstances, to overseeing your assessment to giving you a straightforward answer, sooner rather than later.

What you get with Pepper Money

  • Individual and personalised assessment with a decision maker
  • Competitive interest rates matched to your circumstances
  • Apply with or without up to date tax returns
  • 100% interest offset sub-account
  • Cash out for approved business purposes
  • Consolidate an unlimited number of debts
  • Gifted deposits allowed
  • Access to redraw facilities and Visa debit card access
  • Account splits if needed
  • Borrowers with impaired credit history considered.

If you’re keen to learn a little more about the home loan that could work for you and how much borrowing power you have, or simply to get some answers to a few questions, you can always get help from one of our friendly Lending Specialists on 13 73 77.

pepper money lending specialist

We're all ears

If you need help with a loan for an investment property, you can always find someone to give you one-on-one help at Pepper Money. Just give us a call on 13 73 77 and tell us about your situation. The more we learn, the better we can help.

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Help at hand

For more of your questions answered visit our Help Centre.