A fresh alternative for Home Loan Help

Where the big lenders

stop,

Pepper takes a personal approach to home loans. Whatever your

circumstances, we’ll work with your Pepper accredited mortgage

broker to understand them – and base decisions on discussions

and supporting documentation, not data alone.

Pepper begins.

Sometimes getting the right home loan can be a challenge, especially if you have been knocked back by the banks, have a blemish on your credit report, are self-employed or don’t have up-to-date tax returns.

The way we see it, everyone has the right to achieve their financial goals.

So Pepper’s approach is based on flexible lending criteria to help you begin

that journey and dedicated support for your mortgage broker to help them

provide the best guidance. Importantly, we also offer the security and

confidence you look for in a financial partner.

Pepper. People.Above all, we’re people too. Helpful people who will listen

to your story, talk you or your mortgage broker through any

questions, and assess your home loan application on its merits,

not on what the computer says.

I’ve banked with the same bank my whole life and built up hundreds of thousands of dollars in equity. But because I’ve been self-employed for less than two years, they refused my home loan application.”Nicola, Pepper customer

We’re here to change that.

All the right credentialsPepper is a well-established diversified non-bank lender, backed by fundi

partners such as Commonwealth Bank, National Bank and Westpac. Since

2001, we’ve been helping people who don’t tick all the traditional boxes for

home loans – and also provide professional equipment and car loans.

Headquartered in Australia, we have a global head count of over 1,200 staff

spread across Australasia, Asia and Europe – including Ireland, UK, Spain and Korea.

That makes Pepper the perfect partner to help you get your foot on the

property ladder and your key in the door – or make your current situation

more manageable.

Can you get home loan help?

Absolutely...Pepper takes your circumstances personally

Dealing directly with a decision-maker At Pepper, your mortgage broker doesn’t just take your application

and feed it into a system or software. They’ll have the support of a

decision-maker at every stage, because we know the numbers are rarely

a true reflection of your circumstances. And software can’t give guidance

or advice… or negotiate.

Life often deals an unexpected or unfair hand, so Pepper takes a wider view

on your situation. By looking at your past, present circumstances and your

likely future needs, we may be able to help where others may not.

Part of this personal approach is making sure you’re comfortable with the

what, when and why of every part of the Pepper home loan process.

Flexible loans based on your needs, not oursPepper’s home loans are flexible, because everyone’s circumstances are

different. A ‘one size fits all’ approach can’t always help you achieve your

unique goals.

What’s more, you only need to apply once; if you don’t quite meet the

criteria of the home loan you first apply for, your application is automatically

reassessed to find the Pepper loan that best matches your circumstances –

without damaging your credit score.

Pepper’s flexible products may also help you reduce your interest payments,

repay your loan faster and, if required, consolidate your debts. So if you want

to refinance when you’ve achieved even greater financial stability, ask your

mortgage broker about how Pepper can assist as well.

Pepper looks at individuals, not stereotypesTo Pepper, you’re more than a number. You’re a person looking to buy or

refinance a home or an investment property, but maybe your circumstances

don’t tick the big banks’ boxes.

Where traditional lenders might be unable to help, Pepper will give you a

warm welcome and work with your mortgage broker to help you achieve

your financial goals. This means assessing every single application on its

own merits, because a credit score doesn’t always show the full picture.

Fair go, for the employed…Maybe you’ve been on a good wage for a while now, and you’d be in a

strong position for a home loan from your bank if you didn’t have a previous

credit default. Or perhaps you’ve been turned down by other lenders and

you just want certainty about your options before you fill in any applications.

…or self-employed Perhaps you’ve set up your own business fairly recently. You may be

financially astute, but banks consider you a risk when it comes to a home

loan because your income isn’t as predictable. Alternatively, you might be

confident of your long-term financial stability, but cash flow can make some

months trickier than others.

Whoever you are…Pepper may be able to help where the banks would say no. We believe in

people, and in your right to a fair go at home ownership. Together with your

mortgage broker, we’ll help you take that important first step.

A closer look at who Pepper can help(It could be you)Banks have tightened their lending criteria since the Global Financial Crisis –

which means some borrowers who may have previously qualified for a home

loan with a bank are being turned away. But Pepper is not a bank. Pepper

is one of Australia’s leading specialist providers of specialist loans. We

approach credit risk analysis differently, which means you may have more

home loan options than you first thought…

The differences between a ‘non-conforming borrower’ and a ‘prime’

borrower may be due to some challenging life circumstances: a poor

financial decision made years ago, for example, or a default payment on a

previous loan. If your income or employment history is irregular, or you have

some credit defaults, it’s a good idea to talk to us.

At Pepper, we don’t see why these factors mean you should miss out on

being considered for finance. So long as we can apply our flexible lending

criteria to your personal circumstances, you may still be able to achieve your

financial goals.

When we needed to refinance, our current lender wasn’t interested. Pepper to the rescue! The process was simple and straightforward, with lots of follow up calls. I have never experienced such wonderful customer service!”

Kathleen, Pepper customer

Since 2001, we’ve helped over

100,000 Australians achieve their

financial goals

Are you:

Wanting to consolidate debts?

A new business owner?

On a stable income but undesirable to other lenders due to a poor credit history/bankruptcy?

A customer who has been refused credit from your bank?

Recently back in the workforce after suffering a temporary illness?

Pepper can help.

Sponsorship & awards

We’re excited to be a part of

Penrith Panthers’ history, and their

iconic home ground. We’re even

more excited to get involved on

game days with fun competitions

and giveaways, as well as offer

VIP experiences ‘on the house’ for

lucky supporters.

Together, Pepper will continue

to support local small businesses

and provide opportunities for

young people in Penrith and its

surrounds.

Pepper is hot for the Western Sydney Wanderers

Take a seat at Pepper Stadium

Pepper loves supporting the NRMA Western Sydney Wanderers. We

announced an ongoing partnership with them in December 2013,

and less than a year later they became the sporting toast of our

nation by winning the Asian Champions League. Pretty outstanding,

considering the club only began a little over two years earlier.

The Wanderers and Pepper share a strong belief in giving back to the

community. We’re proud to be part of their supporters’ passion and

their continued success.

The Wanderers and Pepper share a strong belief in giving back to the community.”

2013/2014CORPORATE PARTNER

Award-winning service

Best Specialist Lender – 2015, 2014, 2013

Best Self-Employed Lender – 2015

Presented by RFi, the Australian

Lending Awards are the only

awards dedicated exclusively

to awarding achievement within

the mortgage lending industry.

They are based on consumer

and broker interviews and judged

by an independent panel of

industry experts.

Hosted by The Adviser magazine,

the number one magazine for

Australia’s mortgage and finance

brokers, the Non-Bank Lending

Awards are chosen based on

an independent survey of over

600 brokers.

Best Customer Service – 2015, 2014

Best Self-Employed Lender – 2015, 2014

Best Investor Lender – 2015, 2014

Most Innovative Products – 2015, 2014

Best BDM Support – 2015, 2014

Best Equipment and Leasing Finance Lender – 2015

Best Broker Service – 2015

Non-Bank Lending Awards winner:

Australian Lending Awards winner:

How does the home loan process work?Pepper’s home loan process has just four simple steps.

Next, your documentation will be reviewed and assessed to validate your financial position. Once that assessment is successful, you will be issued with an Approval in Principal letter and an independent valuer will inspect your proposed property to check the estimated value or purchase price.

Once these checks have been satisfied you will be issued with a Formal Approval. You’ll be sent a copy of the loan agreement, which details the terms and conditions of the loan.

All that’s left is for you to sign and settle. You’ll need to review and sign your loan documents while your mortgage broker prepares and confirms your settlement date. The settlement day is the first day of your new home loan – and it’s when you officially start your financial journey with Pepper.

If you’d like to learn more about the Pepper home loan process

please ask your mortgage broker and they can talk you through it.

Chat

Check

Seal

Settle

The first thing your mortgage broker will do is take the time to listen to understand your needs. Once those needs are identified they will discuss your personal finances to learn about your current financial position – expect to talk about your income, expenses, assets and liability positioning, and your credit history.

Let’s get startedYou’re ready to start the next chapter in your life, but it’s understandable that you might feel a bit overwhelmed and not know where to begin. That’s where Pepper can help.

Here’s a quick overview of what you can expect from Pepper’s service.

Help is at hand

Pepper has an online Help Centre which contains a library of tips,

guides and expert insights designed to assist you at any stage of your

home loan journey.

You can find help on a range of topics including money management,

bad credit, investing, refinancing, discharged bankruptcy and more.

Visit pepper.com.au/help-centre

To find out more

Talk to your Pepper-accredited mortgage broker

Learn more about Pepper at pepper.com.au

Your Pepper-accredited broker:

Name

Company

Phone

Email

We won’t stand in your way

Far from it – if Pepper can help, we will

All loans are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply. Pepper Group Limited ACN 094 317 665, Australian Credit Licence Number 286655, is the servicer of loans made by Pepper Finance Corporation Ltd ACN 094 317 647.

Pepper Group Limited ACN 094 317 665, Australian Credit Licence Number 286655, is the servicer of loans made by Pepper Finance Corporation Ltd ACN 094 317 647.

To find out more:

Talk to your Pepper-accredited mortgage broker

Visit us online at pepper.com.au