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  1. Borrowing Capacity

Terms and Conditions

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

  1. 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;
  2. 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;
  3. 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;
  4. 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;
  5. Understand that the tool will only use my credit information as the primary applicant; and
  6. 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

Are you paying out tax or business debt?
Are you (or your co-borrower) self-employed?
Your personal details

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

Do you have a Driver Licence?

It's not mandatory, but it can help identify your credit file, for example if you recently moved.

Secondary applicant
Do they have a Driver Licence?