Product Highlights:

  • Construction up to 90% LVR
  • Investment Purchase and refinance and construction
  • Owner occupied Purchase, refinance, cash out and construction
  • No need for Genuine savings if LVR is below 90%
  • 6 months rental statements can be used as genuine savings contributions
  • FHOG can be used as funds to complete (released at slab stage construction)
  • Cash out up to $250,000 with just letter from applicant for use.
  • Vacant land purchase up to 95% LVR (90% for Investment) INC LMI
  • Flexable maternatity income policy

Acceptable income type:

  • Disability Pensions - exempt from asset/income test, i.e. Permanent Blindness
  • Widow Pensions
  • Foster Care Payments
  • Supplement Payments (related to certain pensions)
  • Defence Force Reserve Income
  • Family tax A & B (child must be under the age of 12)
  • Employee allowance, Bonus, Commissions, Overtime
  • Self-employed more than 2 years
  • 6 Months Casual or contract employment

Rural Security:

A Home Loan Product can be offered up to a maximum LVR 70%, subject to the following criteria being met:

  • Less than 50 hectares (120 acres) in size
  • Property not generating (or be 'intended' to generate) gross trading income of more than $20,000 per year and
  • Any debt servicing not being reliant on the trading income generated from the Rural Property

Current Smartpro Promotion:

NO ongoing fees, NO valuation fee (standard valuation), NO application fee and only $330 legal fees. SMARTPRO is one of the most competitive YBR products you can offer your clients. Rates start at 3.79% Owner OCC.

For all Smart Pro loans over $250,000, we are waiving the standard valuation fee and also waiving the on-going fees for the life of the loan. Loans must be submitted by close of business 22nd April 2019 and settle by Friday, 26 July 2019. Offer applies to new loans only, multiple or prestige properties may incur additional valuation charges.

For any scenarios or detailed policy questions please email or call 1800 737 448 (Option 1)


Engage your Clients in the Don't Kill Competition Campaign

Learn how to best utilise the campaign resources for the "Don't Kill Competition" campaign available to you at

A refresh of an extremely popular webinar in September, this session will give an overview of Australia's social media landscape and teach you how to plan, craft and assess your content on social media.

Did you know?

  • 44 per cent of Australians follow a business on social media.
  • Australians follow businesses to find product information, receive advice and gather information about the company.
  • Australians are more likely to trust brands that regularly update their content and interact positively with their community on social media.

Is your business making the most of the opportunities social media presents?

This webinar will give you an overview of Australia's social media landscape and teach you how to plan, craft and assess your content on social media.

Learning outcomes:

  • Engage your customers via social media in the "Don't Kill Competition" campaign.
  • An overview of Australia's social media landscape: Find out how consumers interact with social media - how often are they on, what do they like and what do they want.
  • Create quality social media content: Whether it be for Facebook, LinkedIn, Instagram, or other channels, learn what types of posts are possible and how to create them.
  • Analyse your performance on social media: Social media measurement can come across as confusing, so we break it down for you with easy-to-understand terms.
  • Engage with your community: Your followers are a community. And they're savvy too. We show you how to engage with them more effectively.
  • Craft best practice content: We can help you maximise the return you get from every post, by selecting and crafting the right post to meet your objectives.

Webinar Details:

Friday 1 March 2019

NSW, ACT, VIC & TAS: 2:00pm - 3:00pm
SA: 1.30pm-2.30pm
QLD: 1.00pm - 2.00pm
NT: 12.30pm - 1.30pm
WA: 11.00am - 12.00pm

Online at your computer.

CPD: 1 hour

Member Complimentary
Non-Member $50

Register Now

Important webinar information

When you register for a webinar you will receive a confirmation email containing a link to gain access to the webinar. Please contact if you have not received the confirmation email.

Unable to join us on the day?

A recording of the webinar will be sent out to all registered attendees on the following day of the event. Registrants will be able to access the recording any time for a period of 3 months.

Webinar Enquiries:
Tracey Lewis
Events Manager
02 8905 1308

Pepper Money Update

Pepper Money has advised of a few updates in regards to their product suite and credit policy.

Pepper Money continues to have very strong demand for their construction products and need to make some changes to their offering to ensure a balanced portfolio.

From next Friday, 1st March 2019, Pepper Money will no longer accept applications for Near Prime Construction and Prime Alt Doc Construction products for a period of time.

For Pepper Money's Prime Full Doc and Prime Full Doc Plus Construction products, a minimum NSR of 1.10 will be required where the LVR is <= 90%, and a minimum NSR of 1.35 for loans where the LVR is > 90%.

In addition to the above, from the 4th March to assist with the verification of income and expenses, Pepper will require all loan applications to be accompanied by three months' worth of personal transactional bank statements, that have been issued within the last 30 days.

The updated rate cards, calculators and product guides will be issued next week to the team.

As always if you have any questions please reach out to Aaron Milburn at

Australia Has Now Over One Million Millionaires!

The latest research conducted by Credit Suisse reveals that there are now 1.16 millionaires in Australia.

Overall, the number of millionaires in Australia has surged by 85% during the last decade, mainly due to the surge in property values throughout the country.

Long term property investors with multiple properties have benefited the most from this upswing in the property market.

Historically, investing in property is proven to be a low risk way of creating wealth over the term.

With interest rates on savings now at a very low levels and the stock market showing continued volatility, property is now the emerging as a popular investment choice for mum and dad investors.

This popularity is underlined by the success of television programmes such as 'The Block'.

However, in Australia many investors only seem to buy one investment property before giving up on their objective of buying several properties which can help fund their retirement.

This fact is underlined by government figures that only one in five Australian household own at least two properties.

Figures from the Australian Bureau of Statistics show that 21% or one in five households own a property other than their own home.

The reality is that most people dream of becoming a millionaire and only a small number of people have become millionaires through property investment.

These property millionaires tend to have five or more investment properties.

This is underlined by DEPPRO's own figures which show that a rising number of our clients own more than five investment properties as they build a successful property portfolio to fund their retirement.

Generally, our clients have become property millionaires by adopting a professional approach to investing whether is it is carefully researching the property market or through ensuring they claim their full tax depreciation benefits associated with owning an investment property. They did no achieve their success through luck.

The tax benefits associated with property investment can be substantial especially depreciation benefits.

Some DEPPRO clients are achieving tax benefits obtained through depreciation that can be equivalent to 60% of the total purchase price of the property. In some cases, these tax benefits can total $300,000 based on a purchase price of $500,000

A key part of ensuring that the investor obtains their full tax benefits is to have a professional depreciation professional prepare a comprehensive depreciation schedule.