Self-employed full doc and alt doc home loan options
Our policies are designed for real life. We offer a range of full doc and alt doc verification options, supported by manual credit assessment, so each client’s situation can be individually considered.
Policy quick view
| Policy area | Our Approach |
|---|---|
| Loan purpose |
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| Borrower types |
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| LVR |
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| Maximum lending |
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| Income verification | Choice of full doc or alt doc options, depending on the borrower's circumstances, with multiple verification methods available |
| Credit assessment | Manual assessment |
| Loan options |
|
Loan features that may help
- Up to 98% LVR including LVR on residential purchases
- No DTI cap
- Actual repayments + 25% buffer for existing debts with other lenders (rather than a full assessment rate)
- 40-year loan terms
- Manual credit assessment
- Recognition of negative gearing for investors for eligible properties.
Full doc requirements
Options include:
- Last one or two years' tax returns and Notices of Assessment; or
- Accountant-prepared financial statements.
For servicing, where two years of financials are provided, we’ll generally use the average of the last two years' income, unless the most recent year is lower, in which case the lower figure is used.
At Pepper Money, we also recognise a broad range of self-employed income, including:
- Net profit before tax
- Directors' wages and salaries
- Depreciation add-backs
- Interest on debts being refinanced
- Superannuation contributions above the compulsory level
Alt doc requirements
We’re one of the few major non-bank lenders offering multiple alternative income verification methods.
For residential lending, applicants generally require:
- ABN registration of at least 6 months
- GST registration of at least 6 months
- Declaration of Financial Position
- Plus, one income verification document
For income verification only one of the following is required:
- Pepper Money Accountant's Letter (For ABNs ≥ 12 months)
- Last six months' Business Activity Statements (BAS)
- Last six months' Business Bank Statements.
Ready to help your clients find a loan that suits them?
Frequently Asked Questions
Our residential lending solutions are designed to help brokers support a broad range of investor scenarios, from first-time investors through to more complex portfolio strategies.
Investment opportunities may be available for first-time investors, subject to lending criteria, servicing and overall application assessment.
We provide options that may support self-employed borrowers and more complex income verification requirements.
Acceptable security types may include houses, villas, townhouses, duplexes, units , and residential vacant land, subject to lending and valuation requirements.
Equity release opportunities may be considered depending on the overall lending scenario, purpose of funds and supporting information provided.
Many investor enquiries involve multiple factors such as income complexity, security considerations, servicing and loan structure. Reviewing the complete scenario often provides the clearest indication of suitability.
Yes. We offer offset sub-accounts on all our variable rate home loan options. See our factsheet for more information.
Important Information
Information is correct as at 21 August 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.
All Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.
