We have solutions that could turn a ‘No’ into a ‘Yes’
Buffer rates: Always on 2% serviceability buffer. 1% for eligible refinances, including debt consolidation, investor purchases, and fixed rate loans. T&Cs apply. See our serviceability calculator available in Mercury Nexus, Research App.
Turnaround rates: Loan submitted by 11am AEDT for same day response.
Plus, flexible policy options for all kinds of scenarios
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Investor • No notional rent • Actual payments on OFI debts (+25% buffer) • No professional investor loading |
Refinancer • Unlimited debt consolidation & cash out (incl. ATO & business). LVR & lending limits apply • Late payments and mortgage arrears • Up to 40 year loan terms |
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Self Employed from 6 months • Past 1 or 2 year’s financial statements for Full Doc options • 1 form of income verification for Alt Doc options • Accountant’s letter up to $2.5m for Alt Doc options |
Need a flexible approach • Defaults up to 3K, listed anytime for Near Prime and Specialist options • Part 9 & 10 agreements and discharged bankruptcy • Government pensions & FTB with no age limit |
If you’ve got a scenario, talk to your BDM.
Important Information:
Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
Connective Lender Services Pty Ltd ABN 51 143 651 496 Australian Credit Licence 389328. Credit provided by Pepper Finance Corporation Limited ACN 094 317 647. Pepper Money Limited ACN 094 317 665 Australian Credit Licence Number 286655, is the servicer of loans made by Pepper Finance Corporation Ltd ACN 094 317 647.
