Borrowing Capacity Calculator - Indicative Offer

Borrowing Capacity

Terms and Conditions

By clicking on 'Accept and Proceed' below, I:

Authorise PEPL Holdings Ltd (the “Access Seeker”) to request my credit score from Equifax Australia Information Services and Solutions Pty Limited, a Credit Reporting Body;
Instruct the Access Seeker to disclose that credit score and other personal information to Pepper Money Limited to request a potential interest rate for a home loan. I acknowledge and agree to the collection, use and disclosure of my personal information in accordance with the Access Seeker’s Privacy Policy;
Authorise to have my identifying information checked against official records (e.g. a Government database) by a third party service provider to confirm my identity. I understand I will have the option to provide my Australian driver licence details for this process;
Confirm that I am an Australian citizen or permanent resident, over 18 years of age and the individual whose details are provided in the tool;
Understand that the tool will only use my credit information as the primary applicant; and
Acknowledge this tool does not provide a formal approval for a loan and I should not enter commitments based on it. I understand it is a guide to that provides an indication based on the basic information I have provided.

All applications are subject to the lender’s credit assessment and eligibility criteria. Terms, conditions, fees and charges apply.

Tell us about yourself

How long have the applicants been self employed?: This field is required.

How can we validate any self employed income?: This field is required.

Have you or your co-borrower had any late payments or debt arrears in the past six months?: This field is required.

: Your personal details

First name: This field is required.

Last name: Please enter your last name.

Address: This field is required.

Contact number: This field is required.

What's your email address?

We'll email you a copy of the results for your records.

Date of birth: Please enter date of birth. Must be 18 years or over.

Driver Licence Number Hint: Please enter your drivers license number with maximum 9 characters

: Secondary applicant

First name: Please enter borrower 2's first name

Last name: Please enter borrower 2's last name

What's the address of the secondary applicant?: This field is required.

Date of birth: Please enter borrower 2's date of birth. Must be 18 years or over.

Licence number: Please enter borrower 2's drivers license number with maximum 9 characters

What's your email address?: Please enter borrower 2's email.

Your indicative repayments

#estimatedMonthlyRepaymentFormatted#
Estimated monthly repayment^, based on a 30 year loan term and an indicative variable interest rate of #loanInterestRateFormatted#

What we based this off

Loan amount: #loanAmountFormatted#

Security value: #securityValueFormatted#

LVR: #lvrFormatted#

What happens next?

You've got an estimate, but to apply for formal approval, we'll get you to speak with a lending specialist. They'll talk through your situation, verify your income and expenses, and help you start your application.

You can also call us right away on 137 377. Your reference is #referenceNumber#.

Book a call with a Lending Specialist

How long will it take?

Once you submit a loan application with all supporting information, we'll aim to have conditional approval to you within five business days.

It may help speed up the process if you have you ID and supporting financial documents (like bank statements) ready for your call.

What you need to know

* This information is not a formal approval for a loan and you should not enter into any financial commitments based on it. This is not a suggestion or recommendation of any particular loan product. It is a guide only, based on the basic information you provided and the credit score obtained. If you need a formal approval, contact us to discuss your needs.

^The indicative interest rate and estimated monthly repayments are valid for 30 days. The actual interest rate will depend on the borrowers’ circumstances and the information verified during the loan application assessment. Repayment amount is based off a loan term of 30 years and does not include fees and charges that may be charged to your loan - for example, Lender Protection Fee, Mortgage Risk Fee and monthly service fees that may apply. Any additional fees or charges will add to the cost of the loan and your repayments.

All applications are subject to the lender’s assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. If there are two or more applicants, the circumstances of the other applicants may affect Pepper Money’s decision regarding any formal loan application.

Book a call with a Lending Specialist

Get my rate

Terms and Conditions

Tell us about yourself

Your personal details

Secondary applicant

Great news!

Your indicative repayments

What we based this off

What happens next?

How long will it take?

What you need to know

We'll need to give you a call for more information

It looks like something has gone wrong