Get an indicative interest rate without impacting your credit score.

Let's get started

Now that you have your borrowing power, we may be able to provide you with an indication of whether we can help you with your home loan. To do this, we'll need you to provide some personal information, this includes providing access to your credit file.

With an indicative rate at your fingertips, you can start your property search knowing there is a potential solution.

A bit about the process - it won't affect your credit score.

If you click on 'Get Started', you authorise the access seeker to access your credit file in accordance with the terms and conditions. This will not affect your credit score. To learn more about credit scores and how they are used click here.

What you'll need?

To get you started, you will need the following information on hand:

The amount you wish to borrow
Full Name and Date of Birth
Australian Driver’s Licence details

You must be an Australian citizen or permanent resident and must be 18 years old or over.

Ready to go? Remember, you can call us on 13 73 77 if you have any questions along the way.

Important information

Applications are subject to Pepper Money’s assessment and loan suitability criteria. Terms, conditions, fees and charges apply.

Personal details

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 any applicants had any late payments or arrears on any debts in the last 6 months?: This field is required.

: Primary Applicant:

First name: This field is required.

Last name: Please enter your last name.

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

What's your 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.

Licence number: 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.

What happens next?

You will be provided with an estimate, if we can help you with a home loan product, including the potential interest rate, and some of the fees and charges applicable. All applications are subject to the lender’s assessment and loan eligibility criteria. Terms, condition, fees and charges apply

Book a call with a Lending Specialist

#productName#

Application reference number #referenceNumber#

Your reference number: #referenceNumber#

Thanks for your home loan enquiry with Pepper Money. Based on the information you have provided, you may qualify for a Pepper Money home loan. This is not a suggestion or recommendation of any particular loan product. A range of loan products and features are available. One of our lending specialists will call you shortly to discuss your options.

A copy of this information has been emailed to you and is subject to further inquiry and verification of the information you have provided.

Note that your indicative rate is valid for 30 days:

Loan enquiry details

Loan amount: #loanAmountFormatted#

Security value: #securityValueFormatted#

LVR: #lvrFormatted#

#loanInterestRateFormatted#
INDICATIVE VARIABLE RATE^

#estimatedMonthlyRepaymentFormatted#
Estimated monthly repayment

What happens now?

Book an appointment with a Lending Specialist. Alternatively, a member of our team will be in touch within the next 24 business hours (Monday to Friday) or call us now on 13 73 77 to discuss your options and how to submit an application over the phone
It’s a good idea to have your identification & supporting financial documents ready to help speed up the process
Once you submit a loan application, we’ll aim to get your conditional approval within 5 days, provided you have supplied all the information required to complete our verification checks
If your loan application is conditionally approved, you can start looking for a property with confidence!

Important information:

* 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.

^ This indicative interest rate is correct as at today’s date and subject to change at any time. The actual interest rate applicable will depend on the borrowers’ circumstances and the information verified during the loan application assessment.

This information is not a formal approval for a loan and you should not enter into any financial commitments based on it. It is a guide only, based on the basic information you provided. If you need a formal approval, contact us to discuss your needs.

Get an indicative interest rate without impacting your credit score.

Get my rate

Let's get started

Terms & Conditions

Personal details

Primary Applicant:

Secondary applicant

What happens next?

Great news!

#productName#

Your reference number: #referenceNumber#

Note that your indicative rate is valid for 30 days:

Loan enquiry details

What happens now?

Important information:

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

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