What documents do I need to apply for an investor home loan?
While we are proudly a non-bank lender, this doesn't mean we have a looser credit policy. We still need a full set of documentation for each loan application, however our approach differs in being able to accept alternative documentation, (or 'alt doc' for short) applications.
This means even self-employed borrowers could apply for a property investment loan with as little as six months' business bank statements~.
What income counts towards my application?
That's where every little bit of flexibility comes in handy. Here's how we'll allocate your income towards your loan serviceability, subject to assessment and our eligibility criteria:
- 100% full time, part time or casual employment
- 100% overtime income
Get to know our investor home loan
The choice is yours
Alt Doc application options
Any loan applications are subject to the Pepper Money team completing responsible lending checks and considering your/every customers individual circumstances.