Pepper Money residential lending policy
Understand how we approach specific scenarios so you can structure deals with confidence.
Credit impairments and tax debt overview
Learn:
- about our flexible policies
- options for clients wanting to consolidate debts
Use when:
- standard bank policy doesn’t apply
- clients have credit history issues getting in the way of a home loan
Servicing and income types
Learn:
- how our cascading credit model works
- using income niches to maximise borrowing capacity
- how PAYG income is assessed in our calculator
Use when:
- clients are close to servicing limits
- income structure is non-standard
- you need to maximise borrowing capacity
See how deals get done (real-life broker scenarios)
Gerard: Giving clients certainty
When the situation didn’t meet standard bank requirements, this scenario shows how Pepper Money’s approach created a workable solution.
Anthony: Looking beyond rate
An expert perspective on why structure and policy flexibility matter – and how non-bank lending can expand what’s possible for clients.
Build better submissions
Practical resources to help you submit strong applications and move deals forward faster.
Manage and grow your non-bank business
Additional insights to support your business and your client relationships.
Educate us!
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.
These webinars include factual information only and are intended as a general guide. They do not imply any recommendation about financial product(s) or constitute tax advice. The information is believed to be correct at the time of delivery. However, credit policies, interest rates, and fees may change. Pepper Money does not accept responsibility for any outcomes resulting from reliance on the content of these presentations.
Case studies are provided for educational purposes only and are not testimonials. Outcomes will vary depending on individual circumstances. Applications are subject to credit assessment, eligibility criteria, and lending limits. Terms, conditions, fees, and charges apply.
These presentations are intended for brokers only and must not be copied or shared with anyone outside the intended audience without Pepper Money’s prior written permission.