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?

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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
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

Consider expenses such as food, utilities, transport etc.

Consider any other personal or car loan repayments, credit or store cards are not to be included here.

Borrower 1

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

Borrower 2

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How long ago?

Your details

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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. 

*From 14th September - 31st October 2020, Pepper Essential/Prime home loan variable interest rates range from 2.85-4.59%p.a. (Comparison rates range from 3.05-4.78%p.a.), Pepper Easy/Near Prime home loan variable interest rates range from 3.79-6.14%p.a. (Comparison rates range from 4.10-6.44%p.a.), and Pepper Advantage/Specialist home loan variable interest rates range from 4.99-7.14%p.a. (Comparison rates range from 5.29-7.44%p.a.). All Pepper home loan variable interest rates are correct as at 14th September 2020 and are subject to change at any time. The actual interest rate applicable will depend on the individual borrower's circumstances.

**Pepper Money interest rate promotion applies only for new Pepper Essential/Prime, Pepper Easy/Near Prime and Pepper Advantage/Specialist home loan applicants. Offer does not apply to existing borrowers. Applications must be submitted between 12:00am AEST 14th September 2020 and until 11:59pm AEST on 31st October 2020. Home 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.

^WARNING: This comparison rate 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 Pty Limited ABN 55 094 317 665; Australian Finance Services Licence 286655; Australian Credit Licence 286655 Pepper Asset Finance Pty Ltd ACN 165 183 317; Australian Credit Licence 458899 © Copyright Pepper Group Pty Limited, All rights reserved. Personal information is collected, used and disclosed in accordance with Pepper’s Privacy Policy.