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BFCSA investigates fraud involving lenders, spruikers and financial planners worldwide.  Full Doc, Low Doc, No Doc loans, Lines of Credit and Buffer loans appear to be normal profit making financial products, however, these loans are set to implode within seven years.  For the past two decades, Ms Brailey, President of BFCSA (Inc), has been a tireless campaigner, championing the cause of older and low income people around the Globe who have fallen victim to banking and finance scams.  She has found that people of all ages are being targeted by Bankers offering faulty lending products. BFCSA warn that anyone who has signed up for one of these financial products, is in grave danger of losing their home.


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BFCSA: Peppers - same day approvals and 85% LVR. What have our members to say re their dealings with Peppers?

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Here we go again: UNVERIFIED LOANS.............................Low Doc Nightmares.  Low interest rates - watch for the "Honeymoon clause" sting in the tail in the independent legal advice before signing contracts with any lender.  Do not trust heavily conflicted bank lawyers.....big name firms.  The Teaser Rates should be labelled as teasers.   LVRs at 85%  30 YEAR INTEREST ONLY LOANS which mostly last only 4-5 years!  Ask what will be the payments on the second year etc......................   Watch for the NSR ratio...............its likely to be "adjusted."  If you don't understand and are worried its easy to join us.  Just hit the membership button.  We KNOW from experience with these products where the flaws are.    Demand a copy of the Loan Application Form at the point of signing................ This email address is being protected from spambots. You need JavaScript enabled to view it.

Specialist lender launches higher LVR loan

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by Julia Corderoy | 19 Aug 2014
Non-bank lender Pepper has announced upgrades to its Pepper Essential product range. The upgrade sees the lender introduce an 85% LVR home loan with interest rates starting from 4.85%.

This new product applies to the Pepper Essential full-doc and full-doc Plus home loans, on loans up to $850,000. The Pepper Essential product range will now also offer Pepper Essential PLUS alternative-doc home loans. These upgrades include all the traditional features of a specialist Pepperhome loan, such as the ability to consolidate debts, obtain cash out or use non-genuine savings.

The lender has also scrapped LMI and lender protection fee payable on loans up to $500,000 for a limited time. 

Pepper’s director of sales and distribution, Mario Rehayem says this will give brokers an even broader range of options to offer their customers.

“Since its launch in January, Pepper Essential has proved a winning option for brokers and borrowers alike. Adding a new 85% LVR offering has come about as a response to demand from brokers. At Pepper, we are committed to helping brokers improve their conversion rates and assisting them in satisfying borrowers excluded from traditional lenders.” 

Rehayem said the Pepper Essential Plus range has been launched to help borrowers who require a more flexible assessment than that offered by traditional prime lenders. 

Pepper Essential products will still feature no credit scoring with every application manually assessed, no reliance on third-party assessment, and commitment of same day turnaround for new applications lodged before 1PM East Coast time, among other features,” Rehayem said.

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