Options Home Loan

A finance solution for those that don't meet the usual criteria.


The Options Home Loan

Buying a home is probably the biggest and most exciting financial decision you’ll ever make, especially if it’s your first. When it comes to the lending, getting an approval for a loan can mean having to tick a lot of boxes and fitting into a long list of fixed and pre-programmed criteria. AFG Home Loans Options has a more personal approach to helping you find a solution to suit your individual needs.


Why choose Options?

A great fit for those who don’t.

Options suits borrowers looking for a more flexible approach to home finance. It’s a great loan for those who don’t fit the traditional lending criteria or who have lending requirements that aren’t typically the norm. Options suits borrowers who:

  • Fail to meet lenders’ mortgage insurance requirements.
  • Want to use alternative forms of income documentation.
  • Don’t have a very favourable credit history.
  • Want larger loan amounts than typical.
  • Want to borrow up to 95% of the property value (available on some loans).
  • Want to use gifted deposits to acquire a property.

Why choose AFG Home Loans?

Nimble but safe

In the scheme of things, we’re a small player. With this comes agility and the ability to stay ahead. But we’re also backed by some of the biggest players in the market – so you know you’re in safe hands.


Who is AFG Home Loans?

AFG Home Loans has been around for over a quarter of a century, and are funded by some well-known Australian companies including, Adelaide Bank and Pepper Money.


Get in touch with your local broker

We offer our loans exclusively through experienced AFG brokers via our broker network, making sure you receive a loan that meets your individual needs.

Evaluating their income and expenditure

AFG Home Loans Options products are provided by Pepper Money Limited ACN 094 317 665 Australian Financial Services Licence and Australian Credit Licence 286655 and is the servicer of loans made by Pepper Finance Corporation Ltd ACN 094 317 647 and promoted by AFG Home Loans Pty Ltd ACN 153 255 559 Australian Credit Licence 411913. The AFG Home Loans Options information in this document was prepared and issued by Pepper Money.

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A finance solution for those who may not meet standard criteria.