Based on the information you’ve entered it looks like you may need to check some details, please confirm:

• Your deposit and property amounts
• Your income details (all borrowers)
• All expenses have been correctly entered

If you've checked all these details and still do not get a borrowing capacity, request a call back below and a Lending Specialist will be in touch to work out what you could potentially borrow.

Hints & Tips

Unsure of how much deposit you need to purchase a property? Lenders use what's called a 'Loan-to-Value Ratio' (LVR) as the first step to calculate the amount of deposit you need. Learn about LVR here. 

For a Pepper home loan, the minimum deposit we'll accept is 5% (subject to the loan meeting our eligibility criteria). However we recommend working towards 20% as an ideal target as it is important to factor in the additional costs you will need to cover when taking out a loan. 

If you don't have enough deposit for your home loan application, there are ways to help turn your dream of owning your own home into a reality. Learn more:

• How to save for a larger home deposit click here >
• Types of savings accepted for Pepper home loans click here >
• The difference between genuine vs non-genuine savings click here >

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