A fresh alternative for Home Loan Help

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1 A fresh alternative for Home Loan Help

2 Where the big lenders stop, Pepper begins. Pepper takes a personal approach to home loans. Whatever your circumstances, we ll work with your Pepper accredited mortgage broker to understand them and base decisions on discussions and supporting documentation, not data alone.

3 Sometimes getting the right home loan can be a challenge, especially if you have been knocked back by the banks, have a blemish on your credit report, are self-employed or don t have up-to-date tax returns. The way we see it, everyone has the right to achieve their financial goals. So Pepper s approach is based on flexible lending criteria to help you begin that journey and dedicated support for your mortgage broker to help them provide the best guidance. Importantly, we also offer the security and confidence you look for in a financial partner. All the right credentials Pepper is a well-established diversified non-bank lender, backed by funding partners such as Commonwealth Bank, National Australia Bank and Westpac. Since 2001, we ve been helping people who don t tick all the traditional boxes for home loans and also provide professional equipment and car loans. Headquartered in Australia, we have a global head count of over 1,200 staff spread across Australasia, Asia and Europe including Ireland, UK, Spain and Korea. That makes Pepper the perfect partner to help you get your foot on the property ladder and your key in the door or make your current situation more manageable. I ve banked with the same bank my whole life and built up hundreds of thousands of dollars in equity. But because I ve been self-employed for less than two years, they refused my home loan application. Nicola, Pepper customer We re here to change that. Pepper. People. Above all, we re people too. Helpful people who will listen to your story, talk you or your mortgage broker through any questions, and assess your home loan application on its merits, not on what the computer says.

4 Can you get home loan help? Absolutely... Pepper takes your circumstances personally

5 Pepper looks at individuals, not stereotypes To Pepper, you re more than a number. You re a person looking to buy or refinance a home or an investment property, but maybe your circumstances don t tick the big banks boxes. Where traditional lenders might be unable to help, Pepper will give you a warm welcome and work with your mortgage broker to help you achieve your financial goals. This means assessing every single application on its own merits, because a credit score doesn t always show the full picture. Flexible loans based on your needs, not ours Pepper s home loans are flexible, because everyone s circumstances are different. A one size fits all approach can t always help you achieve your unique goals. What s more, you only need to apply once; if you don t quite meet the criteria of the home loan you first apply for, your application is automatically reassessed to find the Pepper loan that best matches your circumstances without damaging your credit score. Pepper s flexible products may also help you reduce your interest payments, repay your loan faster and, if required, consolidate your debts. So if you want to refinance when you ve achieved even greater financial stability, ask your mortgage broker about how Pepper can assist as well. Dealing directly with a decision-maker At Pepper, your mortgage broker doesn t just take your application and feed it into a system or software. They ll have the support of a decision-maker at every stage, because we know the numbers are rarely a true reflection of your circumstances. And software can t give guidance or advice or negotiate. Life often deals an unexpected or unfair hand, so Pepper takes a wider view on your situation. By looking at your past, present circumstances and your likely future needs, we may be able to help where others may not. Part of this personal approach is making sure you re comfortable with the what, when and why of every part of the Pepper home loan process.

6 A closer look at who Pepper can help (It could be you) Banks have tightened their lending criteria since the Global Financial Crisis which means some borrowers who may have previously qualified for a home loan with a bank are being turned away. But Pepper is not a bank. Pepper is one of Australia s leading specialist providers of non-conforming loans. We approach credit risk analysis differently, which means you may have more home loan options than you first thought The differences between a non-conforming borrower and a prime borrower may be due to some challenging life circumstances: a poor financial decision made years ago, for example, or a default payment on a previous loan. If your income or employment history is irregular, or you have some credit defaults, it s a good idea to talk to us. At Pepper, we don t see why these factors mean you should miss out on being considered for finance. So long as we can apply our flexible lending criteria to your personal circumstances, you may still be able to achieve your financial goals. When we needed to refinance, our current lender wasn t interested. Pepper to the rescue! The process was simple and straightforward, with lots of follow up calls. I have never experienced such wonderful customer service! Kathleen, Pepper customer Fair go, for the employed Maybe you ve been on a good wage for a while now, and you d be in a strong position for a home loan from your bank if you didn t have a previous credit default. Or perhaps you ve been turned down by other lenders and you just want certainty about your options before you fill in any applications. or self-employed Perhaps you ve set up your own business fairly recently. You may be financially astute, but banks consider you a risk when it comes to a home loan because your income isn t as predictable. Alternatively, you might be confident of your long-term financial stability, but cash flow can make some months trickier than others. Whoever you are Pepper may be able to help where the banks would say no. We believe in people, and in your right to a fair go at home ownership. Together with your mortgage broker, we ll help you take that important first step.

7 Since 2001, we ve helped over 100,000 Australians achieve their financial goals Are you: Wanting to consolidate debts? A new business owner? On a stable income but undesirable to other lenders due to a poor credit history/bankruptcy? A customer who has been refused credit from your bank? Recently back in the workforce after suffering a temporary illness? Pepper can help.

8 Sponsorship & awards Pepper is hot for the Western Sydney Wanderers Pepper loves supporting the NRMA Western Sydney Wanderers. We announced an ongoing partnership with them in December 2013, and less than a year later they became the sporting toast of our nation by winning the Asian Champions League. Pretty outstanding, considering the club only began a little over two years earlier. The Wanderers and Pepper share a strong belief in giving back to the community. The Wanderers and Pepper share a strong belief in giving back to the community. We re proud to be part of their supporters passion and their continued success. 2013/2014 CORPORATE PARTNER Take a seat at Pepper Stadium We re excited to be a part of Penrith Panthers history, and their iconic home ground. We re even more excited to get involved on game days with fun competitions and giveaways, as well as offer VIP experiences on the house for lucky supporters. Together, Pepper will continue to support local small businesses and provide opportunities for young people in Penrith and its surrounds.

9 Award-winning service Australian Lending Awards winner: Presented by RFi, the Australian Lending Awards are the only awards dedicated exclusively to awarding achievement within the mortgage lending industry. They are based on consumer and broker interviews and judged by an independent panel of industry experts. Best Specialist Lender 2015, 2014, 2013 Best Self-Employed Lender 2015 Non-Bank Lending Awards winner: Hosted by The Adviser magazine, the number one magazine for Australia s mortgage and finance brokers, the Non-Bank Lending Awards are chosen based on an independent survey of over 600 brokers. Best Customer Service 2015, 2014 Best Self-Employed Lender 2015, 2014 Best Investor Lender 2015, 2014 Most Innovative Products 2015, 2014 Best BDM Support 2015, 2014 Best Equipment and Leasing Finance Lender 2015 Best Broker Service 2015

10 Let s get started You re ready to start the next chapter in your life, but it s understandable that you might feel a bit overwhelmed and not know where to begin. That s where Pepper can help. Here s a quick overview of what you can expect from Pepper s service. How does the home loan process work? Pepper s home loan process has just four simple steps. Chat The first thing your mortgage broker will do is take the time to listen to understand your needs. Once those needs are identified they will discuss your personal finances to learn about your current financial position expect to talk about your income, expenses, assets and liability positioning, and your credit history. Check Next, your documentation will be reviewed and assessed to validate your financial position. Once that assessment is successful, you will be issued with an Approval in Principal letter and an independent valuer will inspect your proposed property to check the estimated value or purchase price. Seal Once these checks have been satisfied you will be issued with a Formal Approval. You ll be sent a copy of the loan agreement, which details the terms and conditions of the loan. Settle All that s left is for you to sign and settle. You ll need to review and sign your loan documents while your mortgage broker prepares and confirms your settlement date. The settlement day is the first day of your new home loan and it s when you officially start your financial journey with Pepper. If you d like to learn more about the Pepper home loan process please ask your mortgage broker and they can talk you through it.

11 We won t stand in your way Far from it if Pepper can help, we will Help is at hand Pepper has an online Help Centre which contains a library of tips, guides and expert insights designed to assist you at any stage of your home loan journey. You can find help on a range of topics including money management, bad credit, investing, refinancing, discharged bankruptcy and more. Visit pepper.com.au/help-centre To find out more Talk to your Pepper-accredited mortgage broker Learn more about Pepper at pepper.com.au Name Your Pepper-accredited broker: Company Phone All loans are subject to Pepper s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply. Pepper Group Limited ACN , Australian Credit Licence Number , is the servicer of loans made by Pepper Finance Corporation Ltd ACN

12 To find out more: Talk to your Pepper-accredited mortgage broker Visit us online at pepper.com.au Pepper Group Limited ACN , Australian Credit Licence Number , is the servicer of loans made by Pepper Finance Corporation Ltd ACN