See how much you could borrow with Australia's best non-bank lender

Borrowing power calculator

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Loan details

Number of borrowers Hint
Purpose of the loan
Have you found a property?
When are you looking to move?

If unsure, enter an estimate

Hint: the minimum deposit required by Pepper on some products is 5%.

Hint: this is the property price minus your deposit.

Do you intend to live in the property?
Repayment type

Income


Borrower 1

What's your income type?
Years
Months

Borrower 2

What's your income type?
Years
Months

Expenses


Borrower 1

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

Borrower 2

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

Your details

Pepper is Australia's number 1 alternative lender

Pepper is Australia's number 1 alternative lender

Since 2001, we have helped over 200,000 Australians achieve home loan happiness and we live our mission to help people succeed.

Important Information
This calculator is to be used as a guide only and is based on the accuracy of the limited information you have provided.  The result does not constitute a quote, pre-qualification,  formal approval for credit or an offer for credit and you should not enter commitments based on it.  The specific details of your loan if an application is approved will be provided in your loan contract. Only joint applicant information with consent may be disclosed on this platform. 

*Interest Rates range from 3.12-5.24%p.a. for Pepper Essential loans until 22 November 2019. Pepper Easy loans range from 4.26-7.61%p.a. Loan applications lodged after the promotional period will be offered the current interest rates then applicable. Offer may be continued, withdrawn or changed at any time without notice. The actual interest rate applicable will depend on the individual borrower’s circumstances. 

**Pepper Money interest rate promotion applies only for new Pepper Essential applicants. Offer does not apply to existing borrowers. Application must be submitted between 3pm AEST 1st October 2019 and until 11:59pm AEST on 22nd November 2019. Applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Fees and charges are payable.

^Warning: The comparison rate stated in advertising is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All Comparison Rates are calculated based on a secured loan of $150,000 over a 25 year term.

Note - All applications are subject to Pepper's normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply.

Pepper Group Ltd ACN 094 317 665 Australian Credit Licence number 286655 is the servicer of loans by Pepper Finance Corporation Limited ACN 094 317 647. Personal information is collected, used and disclosed in accordance with Pepper’s Privacy Policy.