Pepper Money's 5 Step Process

Help your clients succeed with non-bank lending

Why use the 5 Step Process?

Improve client satisfaction: Better manage your client’s expectations and create a positive way forward.
Increased conversion: Help more clients by providing a wider range of options, which could increase your conversion rate from interview to settlement.
Maximise referrals: Your clients are more likely to refer you when you can provide options they might not find elsewhere.
Create a client for life: By taking into consideration your clients long term objectives, you can begin to create the foundations for a long-term relationship.

How to help position a non-bank home loan in 5 easy steps

1. Acceptance

Start by helping your client understand why they may not be eligible for a loan with a traditional lender. Be empathetic and understanding of their situation.

2. Communicate the power of options

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

Taking the time to ask the right questions and consider your client's circumstances, needs and objectives helps support your obligations to act in their best interests.

3. Keep things real

Speak in terms your client will understand. For example, present repayments in a frequency that coincides with their pay cycle. Show case studies that highlight how non-bank lenders have made a real life difference to people like them. 

4. Make the flexibility visible

Be clear how the solution will help meet their long term objectives. And help them understand the way the lender can review their situation over time, to consider new options as things change.

5. Proceed with the application

Once your client understands the proposed solution and has provided their consent, you can proceed with their application.

Did you know? You can identify a client’s indicative interest rate^, fees and repayments by using Product Selector*.

Are there account features that could help your client achieve their goals?

Depending on your customer's needs, walk them through making the most of their loan features, such as additional advances, redraw and offset facilities as part of the application process.

Broker submits scenario of client to non-bank lender

Non-bank lending making a real life difference.

Have a client with a similar situation? Put us to the test.

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Important Information

Information is correct as at 14 September 2026 and subject to change at any time.

This content is for accredited Pepper Money brokers, introducers and intermediaries, including those applying for accreditation. It shouldn't be distributed to or relied upon by consumers.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. The information provided is factual only and isn’t intended to recommend any financial product(s) or be tax advice. If you require financial or tax advice, consult a licensed adviser.

Pepper Money's 5 step process