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The new products are now available through Mortgage Choice Ignite, giving the broking franchise’s network access to commercial and eligible SMSF lending alongside its existing residential white label range.
The expansion follows recent changes to SMSF borrowing rules, under which future limited recourse borrowing arrangements (LRBAs) for residential property through self-managed super funds will be banned.
While the federal budget’s changes are set to reshape new residential SMSF lending by the start of August, Pepper Money said commercial SMSF lending could remain a key area of opportunity for brokers.
The lender has reported close to 60 per cent year-on-year growth across its commercial and SMSF lending segments, including residential and commercial SMSF loans.
Pepper Money has also expanded its white label partnership with AFG, with the aggregator launching commercial and SMSF products through AFG Options this week.
Mortgage Choice general manager distribution Aaron Slater said diversification had become an increasingly important focus for brokers as customers looked for support beyond residential lending.
“Diversification has evolved from being a nice to have to a genuine necessity for brokers,” he said.
“Consumers aren’t just expecting brokers to support their residential lending needs. The expanded Mortgage Choice Ignite offering ensures that our brokers have even more lender and product options to meet market demand and find the right solution for their customers.”
Pepper Money head of white label and strategic partnerships Mathew Rehayem said the expansion built on the lender’s existing white label partnerships.
“This is about evolving our existing white label partnerships to give brokers access to more lending solutions through the aggregator brands and platforms they already use every day,” Rehayem said.
“The specialist lending landscape is evolving, and brokers need lending partners that understand where opportunities continue to exist. While the proposed changes are reshaping residential SMSF lending, brokers will continue to support customers with existing residential SMSF lending and commercial SMSF opportunities. Our role is to provide our aggregator partners and their brokers with the practical lending solutions and confidence they need as the market evolves.”
Pepper Money’s white label program now represents more than half of its mortgage distribution.
Its white label model allows aggregator partners to offer lending products under their own brands, with Pepper Money providing the credit, service, and operational infrastructure behind the loans.
Rehayem said that the lender’s scale and broker relationships supported the expansion of its white label offering.
“By leveraging our scale and deep broker relationships, we’re able to deliver white label solutions that empower our partners to grow their businesses while helping more customers access the helpful loan options they need,” he said.
“Pepper’s point of difference is our service-led approach, where speed, access and support matter just as much as product. Our job is to back brokers and our partners with the products, people, and platforms they need to keep growing.”
[Related: LMG Lending expands white label offering]
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