Pepper Money “outside the box”
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Pepper Money “outside the box”

Pepper Money are a specialist lender. They may consider clients who are hard to place in mainstream lending.

Some examples are newly employed, newly self-employed (12 months ABN accepted), tax returns not completed (alternative income documentation accepted), failed to meet LMI requirements, have non genuine savings, require 40 year loan term.

Pepper Money’s approach is a little different. They have no credit scoring, no third party LMI approval required, manual assessment of each application.

In addition Pepper Money may consider clients with any of the below:

  • Clients with past defaults (paid or unpaid)
  • Part IX or X debt agreements
  • Discharged bankrupt (one day)
  • Mortgage arrears
  • Late payments on credit / mortgages
  • Refused credit from their bank or another lender

Debt consolidation

  • Consolidate unlimited number of debts
  • Payout of ATO debt
  • Pay out private or solicitor debts


What you need to know

Source: RFS Finance – 6 December 2016

Invest Blue Pty Ltd ABN 91 100 874 744 Trading as Invest Blue is an Authorised Representative and Credit Representative of AMP Financial Planning Pty Limited, Australian Financial Services Licensee and Australian Credit Licensee . Any advice contained in this document is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person. Before making any decision, you should consider the appropriateness of the advice with regard to those matters. If you decide to purchase or vary a financial product, your advisers, our practice, AMP Financial Planning, its associates and other companies within the AMP Group may receive fees and other benefits, which will be a dollar amount and/or a percentage of either the premium you pay or the value of your investments. Ask us for more details.