The Pepper Advantage Suite of Home Loans

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1 The Pepper Advantage Suite of Home Loans product guide

2 Contents Pepper Flexi Advantage 2 Pepper Flexi Advantage PLUS 4 Pepper Self-Employed Advantage 6 Pepper Self-Employed Advantage PLUS 8 Pepper Easy 10 Product Comparison 12 Lending and Product Information 14 Acceptable Income 14 Serviceability 15 Lending Policies 15-16

3 A CAN DO Approach to Lending. At Pepper, our goal is to offer brokers and borrowers innovative products and services. Right now that means providing a great range of flexible home loans for the self-employed and the growing number of customers rejected by traditional lenders. At Pepper, we are continually looking for ways to offer you more and in doing so, helping you find the right home loan solution. Take a look at some of the benefits Pepper can offer right now: No LMI No credit scoring Approvals within 48 hours Simplified documentation for self-employed Refinances of existing low doc and non-conforming loans Multiple debts consolidated Past credit issues considered No minimum lodgement volumes Current mortgage arrears considered For a refreshing alternative to the banks, contact us today. Page 1

4 Pepper Flexi Advantage Pepper Flexi Advantage is designed for people who appreciate flexibility from their lender in assessing their loan application. It has been developed in response to the growing number of prime customers who want a mortgage but are excluded by the big lenders because they fail an automated credit scoring decision. This home loan makes it easier for customers to purchase or refinance their home or an investment property, consolidate their debts, or raise working capital for business purposes. It even provides a solution for customers who have had past credit problems or who lack the minimum 5% genuine savings required by big lenders. Case Study: Debt Consolidation Types of customers we have helped Today more than ever home owners with a mortgage find themselves with a number of other finance arrangements such as car loans, personal loans and credit cards. This leads to a high monthly outgoing as well as the inconvenience of repayments to multiple accounts. Pepper s Flexi Advantage loan deals directly with this scenario by consolidating all of these debts into one easy monthly repayment. The number of debts consolidated is not a problem. Thanks to Pepper s Flexi Advantage the result is reduced stress and more money in the borrower s pocket. Page 2

5 General Features Target Market Pepper Flexi Advantage is a Full Documentation Loan available to a broad range of applicants which considers each borrower s unique circumstances, rather than simply being based on a credit score. Key Benefits No Lenders Mortgage Insurance (LMI) required. Unlimited number of defaults, judgements or writs registered over 12 months prior to application accepted (paid or unpaid). No limit on the number of debts that can be consolidated. Available for refinance, including Non-Conforming, Private and Solicitor Loans. 1 month s current mortgage arrears (no missed payments in the last 3 months) is considered. Key Features Maximum Loan Amount Standard Loans Jumbo Loans $1.5m (up to 70% LVR) $2.5m (up to 65% LVR) $1.0m (up to 80% LVR) $2.0m (up to 70% LVR) $750k (up to 90% LVR) $1.75m (up to 75% LVR) $1.25m (up to 80% LVR) Maximum Loan To Value Ratio (LVR - is the loan size as a % of the property value) Loan Term Credit History Loan Purpose 90% for purchases only 85% for all other loans 10 to 40 years Any number of defaults or judgements registered 12 months prior to application, paid or unpaid, and 1 month s current mortgage arrears providing no missed payment in the last 3 months Purchases or refinance of owner occupied and investment properties, working capital for business purposes and debt consolidation Income Documentation (PAYG) Income Documentation (Self-employed) Acceptable Securities Last 2 pay slips plus either a letter of employment or latest group certificate Last 2 years tax returns plus last 2 years tax assessment notices Residential securities in major cities and towns up to a maximum land size of 25 acres (10 hectares) Redraw Minimum $1,000 Page 3

6 Pepper Flexi Advantage PLUS Pepper Flexi Advantage PLUS is designed for customers who, due to previous defaults or credit impairment, are unable to secure a home loan through a bank or a prime lender. It has been developed in response to the growing number of customers who want a home loan but due to recent arrears or defaults are unable to secure a mortgage through prime lenders as they fail an automated credit scoring decision, even though the event that caused the arrears or defaults has now been resolved. This home loan makes it easier for customers to purchase or refinance their home or investment property, consolidate their debts, or raise working capital for business purposes. Case Study: Refinance with Cash Out Types of customers we have helped Today many Australians are opting to renovate their existing homes rather than paying more to purchase a fully renovated house. It is now harder than ever to secure a new mortgage for many of these borrowers wishing to secure cash out to renovate their home, especially where they have had a recent event occur that has caused them to miss a couple of home loan repayments or where they have defaulted on other payments. The Pepper Flexi Advantage PLUS can provide the solution to this scenario. If the customer can demonstrate that the event that caused the defaults or mortgage arrears has been resolved, and they are again able to make their home loan repayments, then Pepper s Flexi Advantage PLUS will allow them to refinance their existing home loan and provide cash out to complete their renovations. Page 4

7 General Features Target Market Pepper Flexi Advantage PLUS is a Full Documentation Loan available to a broad range of applicants who have had a recent impairment or default. It considers each borrower s unique circumstances, rather than simply being based on a credit score. Key Benefits No Lenders Mortgage Insurance (LMI) required. Unlimited number of defaults, judgements or writs registered over 12 months prior to application accepted (paid or unpaid). Up to 2 defaults registered in the last 12 months accepted (paid or unpaid). 2 months current mortgage arrears allowed. No limit on the number of debts that can be consolidated. Available for refinance, including Non-Conforming, Private and Solicitor Loans. Key Features Maximum Loan Amount Maximum Loan To Value Ratio (LVR - is the loan size as a % of the property value) Loan Term Credit History Loan Purpose $1.0m (up to 70% LVR) $750k (up to 80% LVR) 80% 10 to 40 years Any number of defaults or judgements registered >12 months prior to application, paid or unpaid. Up to 2 defaults registered <12 months prior to application and 2 months current mortgage arrears allowed Purchases or refinance of owner occupied and investment properties, working capital for business purposes and debt consolidation Income Documentation (PAYG) Income Documentation (Self-employed) Acceptable Securities Last 2 pay slips plus either a letter of employment or latest group certificate Last 2 years tax returns plus last 2 years tax assessment notices Residential securities in major cities and towns up to a maximum land size of 25 acres (10 hectares) Redraw Minimum $1,000 Page 5

8 Pepper Self-Employed Advantage In recognition of the growing proportion of self-employed people in today s workforce, Pepper has created a home loan that assists borrowers who have difficulty providing traditional forms of income documentation. This home loan makes it easier for self-employed borrowers to purchase or refinance their home or an investment property, consolidate their debts, or raise working capital for business purposes. At Pepper, we understand it s sometimes challenging to provide all the paperwork necessary to document your income (e.g. your last 2 years tax returns and tax assessment notices). Our simplified documentation process is designed specifically to meet the unique needs of the self-employed or small business owners. Case Study: Self-employed looking for working capital Types of customers we have helped Many small self-employed borrowers are stuck between a rock and a hard place when it comes to finding funds for their business. Sometimes this is because they have not been operating for long enough. It might also be because they ve not had the time to get their full, 2 years of financial statements and tax returns together. Because we ve taken the time to understand the needs of the small to medium business owner, we have created a product that can work perfectly. A Pepper Self-Employed Advantage home loan allows small business owners to get access to the capital they need to grow their business for purposes such as consolidating business leases and debts to free up cash flow. Page 6

9 General Features Target Market Pepper Self-Employed Advantage is an Alternative Documentation Loan designed for self-employed borrowers or small business owners who have been in business for a minimum of 2 years, have a good credit history, and a proven track record of responsibly managing their debt. Key Benefits No Lenders Mortgage Insurance (LMI) required. Simplified paperwork. No BAS statements required. Available for refinance, including Non-Conforming, Private and Solicitor Loans. Unlimited number of defaults, judgements or writs registered over 24 months prior to application accepted (paid or unpaid). Key Features Maximum Loan Amount Standard Loans Jumbo Loans $1.5m (up to 70% LVR) $2.5m (up to 65% LVR) $1.0m (up to 80% LVR) $2.0m (up to 70% LVR) $650k (up to 85% LVR) $1.75m (up to 75% LVR) $1.25m (up to 80% LVR) Maximum Loan To Value Ratio (LVR - is the loan size as a % of the property value) Loan Term Credit History Loan Purpose 85% for purchases only 80% for all other loans 10 to 40 years Any number of defaults or judgements registered 24 months prior to application, paid or unpaid Purchase or refinance of owner occupied and investment properties. Finance also available for a variety of purposes, including payment of ATO debts and purchase of business equipment Income Documentation ABN registered for 12 months GST registered for 6 months Declaration of financial position Minimum of 6 months business bank statements Acceptable Securities Residential securities in major cities and towns up to a maximum land size of 25 acres (10 hectares) Redraw Minimum $1,000 Page 7

10 Pepper Self-Employed Advantage PLUS Pepper Self-Employed Advantage PLUS provides all the benefits of the Self-Employed Advantage product PLUS more. It is designed for self-employed borrowers who, due to previous defaults or credit impairment, are unable to secure a home loan through a prime lender and who have difficulty providing traditional forms of income documentation. The Pepper Self-Employed Advantage PLUS home loan makes it easier for self-employed borrowers with previous defaults or credit impairment to purchase or refinance their home or investment property, consolidate their debts, or raise working capital for business purposes. At Pepper, we understand it s sometimes challenging to provide all the paperwork necessary to document your income (e.g. your last 2 years tax returns and tax assessment notices). Our simplified documentation process is designed specifically to meet the unique needs of self-employed or small business owners who have had up to 2 defaults registered more than 12 months ago or who have up to 2 months current mortgage arrears. Case Study: Self-employed looking to payout an ATO Debt Types of customers we have helped From time to time small business owners may find themselves faced with an ATO Debt that they need to pay out. Often it is hard to find the funds to make that payment. If they have had a recent event, such as an illness or injury, occur that has caused them to miss a couple of home loan repayments or to default on other payments, finding those funds can be even tougher. Because we ve taken the time to understand the needs of the small to medium business owner, and understand that sometimes unforeseen circumstances mean that you may be unable to work for a short period of time, we have created a product that can work perfectly. The Pepper Self-Employed Advantage PLUS home loan can provide the solution to this scenario allowing borrowers who have up to 2 defaults registered more than 12 months ago or who have up to 2 months current mortgage arrears the ability to refinance their existing home loan and provide cash out to payout ATO debts. Page 8

11 General Features Target Market Pepper Self-Employed Advantage PLUS is an Alternative Documentation Loan designed for self-employed borrowers or small business owners who have been in business for a minimum of two years, who have had a recent impairment or default, but still have a proven track record of responsibly managing their debt outside of this temporary credit event. Key Benefits No Lenders Mortgage Insurance (LMI) required. Unlimited number of defaults, judgements or writs registered over 24 months prior to application accepted (paid or unpaid). Up to 2 defaults registered over 12 months prior to application accepted (paid or unpaid). 2 months current mortgage arrears allowed. Available for refinance, including Non-Conforming, Private and Solicitor Loan. Simplified paperwork. No BAS statements required. Key Features Maximum Loan Amount Maximum Loan To Value Ratio (LVR - is the loan size as a % of the property value) Loan Term Credit History Loan Purpose Standard Loans $1,000,000 (up to 70% LVR) $750,000 (up to 75% LVR) 75% 10 to 40 years Any number of defaults or judgements registered >24 months prior to application, paid or unpaid. Up to 2 defaults registered >12 months prior to application and 2 months current mortgage arrears allowed Purchases or refinance of owner occupied and investment properties. Finance also available for a variety of purposes, including payment of ATO debts and purchase of business equipment Income Documentation ABN registered for 12 months GST registered for 6 months Declaration of financial position Minimum of 6 months business bank statements Acceptable Securities Residential securities in major cities and towns up to a maximum land size of 25 acres (10 hectares) Redraw Minimum $1,000 Page 9

12 Pepper Easy The Pepper Easy home loan is ideal for the self-employed or small business owner looking to buy or refinance their home or investment property and obtain cash out for business purposes at the same time. Offering a competitive rate and flexible features, Pepper Easy has been created to meet the changing needs of the self-employed borrower who hasn t had any credit impairment or defaults in the past 3 years and who doesn t have the traditional forms of documentation to verify their income. Case Study: Self-employed looking to renovate Types of customers we have helped Many self-employed borrowers wishing to access the equity that they have built up in their home to complete renovations are finding it increasingly difficult to do so. It is now harder than ever for customers unable to provide traditional forms of income documentation to refinance their existing home loan and access cash to complete home renovations. Because we ve taken the time to understand the needs of the small to medium business owner, we have created a product that can work perfectly. A Pepper Easy home loan opens up the opportunity for self-employed customers to get access to cash out to fund their home loan renovations. Page 10

13 General Features Target Market Pepper Easy is a near prime loan designed for self-employed borrowers or small business owners who have been in business for a minimum of 2 years, have 36 months clean credit history, and a proven track record of responsibly managing their debts. Key Benefits No Lenders Mortgage Insurance (LMI) required. Unlimited number of defaults, judgements or writs registered over 36 months prior to application accepted (paid or unpaid). Available for refinance, including Non-Conforming, Private and Solicitor Loans. Simplified paperwork. No BAS statements required. Key Features Maximum Loan Amount Maximum Loan To Value Ratio (LVR - is the loan size as a % of the property value) Loan Term Credit History Loan Purpose $1.0m (up to 80% LVR) 80% 10 to 40 years Any number of defaults or judgements registered > 36 months prior to application, paid or unpaid Purchase or refinance of owner occupied and investment properties. Finance also available for a variety of purposes, including payment of ATO debts and purchase of business equipment Income Documentation ABN registered for 24 months GST registered for 12 months Declaration of financial position Minimum of 6 months business bank statements Last quarter BAS statement Acceptable Securities Residential securities in major cities and towns up to a maximum land size of 25 acres (10 hectares) Redraw Minimum $1,000 Page 11

14 Pepper Product Comparison Please use the following table as a quick reference to the key benefits available on Pepper s products: Max Loan Amount Max Loan to Value Ratio (LVR) Max Loan Term Income Documentation (PAYG) Income Documentation (Self-emplyed) Pepper Flexi Advantage Pepper Self-Employed Advantage $2.5m $2.5m 90% (Purchase Only) 85% (All others) 85% (Purchase Only) 80% (All others) 40 years 40 years Last 2 pay slips plus either a letter of employment or latest group certificate Last 2 years tax returns plus last 2 years tax assessment notices ABN registered 12 months GST registered 6 months Declaration of financial position Min 6 months business banking statements Defaults up to $500 ignored (e.g. telco) Defaults <12 months (must be registered over 24 months prior to application) Defaults >12 months Up to 2 months current Mortgage Arrears (providing no missed payments in last 3 months) No LMI Available for Refinance Unlimited Debt Consolidation Cash Out (e.g. for ATO debts, business or investment purposes) Page 12

15 Pepper Flexi Advantage PLUS Pepper Self-Employed Advantage PLUS Pepper Easy $1.0m $1.0m $1.0m 80% 75% 80% 40 years 40 years 40 years ABN registered 12 months GST registered 6 months Declaration of financial position Min 6 months business banking statements ABN registered 24 months GST registered 12 months Declaration of financial position Min 6 months business banking statements Last quarter BAS statement (maximum of 2 < 24 months, additional defaults must be registered over 24 months prior to application) (must be registered over 36 months prior to application) Last 2 pay slips plus either a letter of employment or latest group certificate Last 2 years tax returns plus last 2 years tax assessment notices (maximum of 2) For further information on the Pepper product range go to Page 13

16 Lending and Product Information Acceptable Income Employment Type Income Definition Allowance % Full or Part-Time Base Salary, Allowances and Shift Penalties 100% Second Job, Casual Minimum 12 months continuous service with current employer 100% Commission/ Bonuses (paid at least quarterly) and Overtime 6 months or more continuous employment 100% Centrelink Pensions Centrelink Pension received (eg aged, invalid etc) 100% Superannuation Pension or Annuities 100% Rental Income Rental income to be received post settlement 100% Housing Allowance Allowance provided by employer or government bodies 100% Interest and Dividends Income from cash deposits held or share portfolio. 2 years consistency required 100% Forms of Guaranteed Income Inheritance and trust beneficiaries etc 100% Maintenance If a court order or a child support agency agreement exists or proof of receipt for a period of 3 months continuous payments with no age restrictions 100% Family Payments Family assistance payment for dependent children regardless of age (Part A, Part B and parenting will be used, rental, sickness and pharmaceutical allowances are not to be used) 100% Page 14

17 Serviceability All loans to be serviced at 2.0% above applicable rate. Refer to Pepper s serviceability calculator on Lending Areas Based on postcode listing Category 1 Maximum LVR 90% Category 2 Maximum LVR 90% Category 3 Maximum LVR 75% Category 4 Maximum LVR 70% Living Expenses Single Applicant from $15,564 Joint Applicants from $22,620 Each Child from $5,520 To view Pepper s Postcode Search visit Lending Policies All mortgage applications must clearly demonstrate a financial benefit to the applicant(s). Minimum Loan Size: Minimum loan size is $100,000 Alternative Documentation Requirements: Declaration of financial position plus 6 months business bank statements ABN registered for 12 months prior to application GST registered for 6 months prior to application Will Lend To: Private individuals, companies, trustees (Max 4 borrowers) Will Not Lend On: Rural properties, construction loans, commercial properties, relocatable & mobile homes, serviced apartments, studio apartments, resort complexes, retirement villages, bedsits, heritage listed buildings Vacant land Repayment Options: Interest Only 1-5 years then Principal & Interest; OR Principal & Interest Loan Terms: Minimum 10 years Maximum 40 years Lump Sum Payments: Free additional payments are allowed Mortgage Statements: 6 months mortgage statements required on any owner occupied debt (regardless of refinance or not) 6 months mortgage statements on any investment loan being refinanced Page 15

18 Lending Policies (cont.) Security Titles Considered: Torrens, old system, community, crown lease Maximum two securities per development Units: Restriction on units within high density post codes apply. Unit blocks cannot comprise of more than 35 units when located within a high density post code (see website for locations) < 1 year old maximum LVR 75% Non-Conforming and Private or Solicitor Loans: Will refinance non-conforming, private and solicitor loans Portability: Pepper offers portability on all new loans, subject to conditions - go to for details Maximum LVR Hard Caps: Pepper Flexi Advantage hard caps apply to 80% LVR, 85% LVR, and 90% LVR - If the loan amount inclusive of fees exceeds 80% LVR then the 85% rate, fees and lending criteria will be applied - If the loan amount inclusive of fees exceeds 85% LVR then the 90% rate, fees and lending criteria will be applied - The loan amount inclusive of fees cannot exceed 90% LVR Pepper Self-Employed Advantage hard cap applies to 80% and 85% LVR - The loan amount inclusive of fees cannot exceed 85% LVR - If the loan amount inclusive of fees exceeds 80% LVR then the 85% rate, fees and lending criteria will be applied Negative Gearing: Negative gearing is available Page 16

19 Responsible Lending Pepper is committed to responsible lending. We recognise the importance of working with our valued distribution partners to ensure we all play our part in conducting business in an ethical and responsible manner. The following outlines Pepper s approach to responsible lending. Lend only what our customers can afford to repay (new and refinanced home loans): Ensuring compliance with the National Consumer Credit Protection Act, relevant guidelines published by ASIC, MFAA, the Credit Ombudsman Service, and our own credit assessment policies. Ensuring brokers are trained with relevant information covering Pepper s fees, products and credit policy requirements. Ensuring Pepper staff only approve loans that are not unsuitable to the customer by following a strict, detailed and sensible loan criteria process, including the use of credit reference agency checking and serviceability calculators to make a full assessment of an applicant s capacity to repay a loan without substantial hardship. HELP Pepper borrowers facing financial difficulty: Encouraging customers facing financial difficulty to talk to us directly, treating every case individually. Proactively contacting borrowers who may be experiencing financial difficulty in managing their home loan. Offering payment options for customers to help them deal with changing circumstances. The following information is available at pepperonline: Acceptable Income and Living Expenses definitions and allowances Lending areas and postcode search Lending policies Serviceability Calculator

20 Contacts Visit Follow us on: Call 1800 PEPPER ( ) Director of Sales & Distribution Mario Rehayem BDMs ACT/NSW Vasé Marcevska ACT/NSW Christian Malouf TAS/VIC Craig White WA Paul Biddle QLD/NT Neil Meurant White Label Relationship Manager Natalie Sheehan Pepper Homeloans Pty Ltd ACN is an Authorised Credit Representative of Pepper Australia Pty Ltd ACN , Australian Credit Licence ACT/NSW Lili Amphone VIC Vanessa Bakatselos WA Paul Place SA Karen Bruce QLD Dane Reid Sales Support PO Box 6186 North Sydney NSW 2060 T F E W CONFIDENTIAL: This Product Guide is a reference guide for mortgage professionals accredited to distribute Pepper Homeloans products and is not intended as an advertisement to the public. It is made available on a strictly confidential basis and must not be reproduced in whole or part, or distributed to any person or organisation without Pepper Homeloans prior written consent. It must not be made available to the public under any circumstances. Whilst every effort has been made to ensure this Product Guide is accurate, it should not be relied upon for any purpose or used as a substitute for independent professional advice. DISCLAIMER: This Product Guide and all interest rates, fees and charges are accurate as at 2 April Pepper Homeloans reserves the right to alter these at any time without notice. We will notify borrowers of any changes as per their loan agreement and the National Consumer Credit Protection Act. WARNING: You must comply with all legislative requirements. Non-compliance with the law may attract civil and/or criminal penalties.

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