Know where you stand

Discover how much you could borrow for a home loan in less than five minutes with our borrowing power calculator. 

Borrowing power calculator

complete

Tell us about yourself

Who is this loan for? Hint
What are you looking to do?
Have you found a property?

If unsure, enter an estimate

Hint: if unsure you can use an estimate

LVR
0%
Hint The minimum deposit required on Pepper Money products is 5%
LVR
0%
NOTE: The maximum you can refinance with Pepper products is up to 95% the value of your property
Why are you buying the property?
How do you want to make repayments?

Income

Borrower 1

How are you paid?
Years
Months

Tell us about your co-borrower’s income. 

How are they paid?
Years
Months

Expenses

Consider expenses such as food, utilities, transport etc.

This could include your personal or car loan payments. Don’t include credit or store card payments.

Borrower 1

Have you had any previous credit issues?
How long ago?

Borrower 2

Have you had any previous credit issues?
How long ago?

One more thing

This is the last step - we’ll send you a copy of your estimated borrowing power after.

Personal information is collected, used and disclosed in accordance with Pepper’s Privacy Policy.

Service you can rely on

Important Information

*The results of the borrowing power and repayment example calculators are based on information you have provided in the calculator and are to be used as a guide only. It does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it.

^The interest rates do not reflect comparison interest rates or true interest rates and the formula used for the purpose of calculating monthly repayments is based on the assumption that interest rates will remain constant for the terms of the loans you have entered. The results of these calculators do not take into account loan setup or establishment fees nor government, statutory or lenders fees, which may be applicable from time to time.

Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

All applications for credit are subject to Pepper Money’s credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply.

© Pepper Money Limited ABN 55 094 317 665; AFSL 286655; Australian Credit Licence 286655. All rights reserved. Pepper Money is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.