The Pepper Home Loan Advantage

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1 The Pepper Home Loan Advantage

2 A CAN DO Approach to Lending. Reliable and Secure Pepper is a highly experienced home loan provider. Our underwriting philosophy, credit management and approach to loan servicing have been developed on the basis of more than 18 years of specialist mortgage lending experience, tried and tested in both Australia and the United Kingdom. Pepper commenced lending in the Australian market in March 2001 and, after recently acquiring the $5.0 Billion GE Capital home loan portfolio is one of Australia s largest and fastest growing non-bank financial institutions. Pepper boasts an Australia-wide network of 5,500 accredited brokers (ready to help you find the best home loan solution) and currently services over 45,000 customers across Australia and New Zealand. Our financial strength is evidenced by our strong wholesale funding relationships with three of Australia s four major banks, including Commonwealth Bank of Australia, National Australia Bank and Westpac Banking Corporation. These are blue chip funding partners of the highest integrity and financial standing. At Pepper, we are committed to providing competitive, flexible mortgage solutions to our customers and helping them achieve their dreams.

3 Because Everyone Deserves a Chance to Realise their Dreams Pepper specialise in flexible home loan solutions for both the self-employed and the growing number of customers who are excluded by traditional lenders because they fail an automated credit scoring decision. With a national presence, we offer a refreshing alternative to the banks. Great Loan Features for Diverse Circumstances As a solutions-based lender, Pepper caters for a range of borrowers from prime to those with a slightly impaired credit history, and in most cases will be able to offer a facility to suit your individual circumstances. Our suite of home loan products make it easier to purchase or refinance a home or investment property, consolidate debts, or raise working capital for business purposes. Pepper also offers solutions for those who have had minor credit problems or lack the genuine savings required by banks and mortgage insurers.

4 Looking out for Small Business At Pepper, we understand that it is sometimes challenging to provide all the paperwork necessary to document your income (e.g. your last two annual tax returns and income tax assessment notices). Our alternative income documentation process is designed specifically to meet the unique needs of the self-employed or small business owners. We Talk the Same Language Finance can be confusing. At Pepper we work on keeping it simple for our customers. Our simplified documentation process and market leading approval time helps to take the hassle out of your application.

5 Genuine Customer Service At Pepper you aren t treated like a number - our attentive customer service team provide a personalised service every time. When you have a query, the same representative will work with you until it is successfully resolved. What also makes Pepper s customer service exceptional is our credit team, who assess each home loan application on its individual merits, rather than relying on an automated credit scoring decision. We Believe in Green At Pepper we are proud to be contributing to a more sustainable environment. We participate in MobileMuster and proactively ensure all of the materials we use are recyclable and that our office locations are energy efficient.

6 Perfect Mortgage Solutions... for Diverse Situations Don t get disheartened if the banks say no to your home loan application Pepper CAN DO. No lenders mortgage insurance No rigid one-size-fits-all credit scoring Simplified documentation for self-employed Refinance of existing low documentation loans Multiple debts consolidated Past credit issues considered If you have any queries about our products or services, one of our accredited mortgage brokers will be there to assist.

7 Broker Contact Details Please fill in your Pepper Accredited Broker s details here for easy future reference. Your Pepper Broker: Name: Address: Contact Details: Work Phone: Mobile Phone: Address: Notes:

8 To Find Out More: Locate a Pepper Accredited Broker Visit Call 1800 PEPPER ( ) Pepper Australia Pty Limited ABN PO Box 6186 North Sydney NSW 2060 Australian Credit Licence Number Follow us on: Scan with RedLaser

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