Discover how our flexible approach to home loans could help your clients.
A specialist home loan might be an option for your clients for several reasons: they may be recently self-employed, have a past bankruptcy, receive a non-traditional income, or be behind in bill repayments. However, these situations are just a part of their story – after all, real life happens to everyday Australians who can move forward.
We work with you to understand your client’s situation – from their current employment to their past credit history.
Why a specialist solution could work for your client
Doesn't meet mainstream criteria
- Recently self-employed with 6 months ABN or GST registration
- Alternative documentation
- No limit to cash out for stated purpose (subject to loan size and LVR)
Real life income
- Centrelink Family Tax Benefits A & B accepted
- 100% of Child Support or Maintenance payments accepted
- Family Support payments are considered on merits of application and not excluded after a certain age
- Employer and Government paid maternity leave payments are accepted.
Credit history
- Unlimited defaults, mortgage and non-mortgage arrears considered
- Part IX and Part X arrangements considered
- Discharged from bankruptcy (1 day)
Debt consolidation
- Consolidate unlimited debt
- Payout tax debts
- Payout private or solicitor debts.
More options for you and your clients
Specialist lending - also known as non-conforming lending - can provide more options when an applicant doesn’t typically conform to the major banks' standard loan criteria.
If your clients are having trouble getting a home loan because of their credit history, type of employment, or their income doesn't tick the right boxes, a specialist home loan could be an option.
How can I introduce a specialist home loan to my client?
If a specialist lending solution may be suitable for your client, our 5 Step Process can help you position it when they may have expected a home loan from a traditional lender.
PPS: Find your client's fit
Non-bank lending making a real life difference.
Have a client with a similar situation? Put us to the test.
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.
