Why Pepper Money?
We're fast: Credit decision within 1 working day
We're flexible: We'll always try to give you options
We're accessible: Talk through your situation with us
What is an Alt Doc Home Loan?
Alternative documentation (or Alt Doc) is a way to apply for a home loan with non-standard income documentation. This can make it easier for those who don't work 9-5 or haven't been operating their own business for an extended period, to apply for a home loan. Alt Doc home loan applications still go through our full credit assessment criteria and responsible lending checks, however the documentation we ask for caters to a wider variety of financial circumstances.
Alt Doc loans could be a solution for New Zealand's army of self-employed small business owners who may not tick the usual loan application boxes or have the extensive NZBN history and paperwork required by some mainstream lenders.
Any loan applications are subject to the Pepper Money team completing responsible lending checks and considering your/every customers individual circumstances.