Options FAQs

Frequently Asked Questions

Is specialist lending only for the credit impaired?

Not at all – only 30% of our customers have some kind of credit blemish. In fact, the most common reason a customer will need a unique solution is due to unusual income such as casual or self-employed income.


What is unlimited debt consolidation?

Options will consider consolidating an unlimited number of personal debts and business debts (including ATO debts) under the Near Prime and Specialist home loans provided there is a clear benefit to the client upon consolidating these debts. There is no limit to value of debts up to the customer’s approved lending limit.

Note – If a client is looking to consolidate < or equal to 4 debts we can consider this client under Prime.


What is unlimited credit impairment?

We will consider unlimited impairment under our Near Prime and Specialist products provided the client has demonstrated they have overcome the credit event that led to the impairment.

Ready for the next step?

Phone us on 1800 629 948

Our team are happy to help put you in touch with a broker local to your area.

Online enquiry

Complete our online enquiry form and we’ll give you a call to connect you with one of our brokers.

AFG Home Loans Options products are distributed by AFG Home Loans and provided by Pepper Finance Corporation and Pepper Finance Ltd. Pepper Group Limited ACN 094 317 665, Australian Credit Licence 286655 is the servicer of loans made by Pepper Finance. The AFG Home Loans Options information provided on this website was prepared and issued by Pepper.

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Being such a diverse company, AFG has a range of different divisions. Send through a quick enquiry and we'll be touch with you soon.

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