Prime Home Loans

Pepper Money’s prime range of home loans were developed to meet demand from customers who have overcome financial adversity or secured an acceptable employment history, and are now eligible for a prime solution.

Available as a Full Doc or Alt Doc home loan. 

  • No third party approval required from Lender’s Mortgage Insurance Providers
    Unlike other lenders, Pepper Money does not require approval from a third party mortgage insurer. Pepper Money offer prime loans with flexible features and can cater to a client’s individual circumstances.
  • No Credit Scoring
    Expert underwriters take a human approach to assessing your client’s circumstances to increase the likelihood of finding a solution. 
  • Minor Credit Impairment considered
    Clients with past paid defaults (up to $500) are considered. Pepper Money recognises that the odd credit slip up can happen to the best of us. 
  • No Genuine Savings required 
    Your clients can use an inheritance or gifted funds for a deposit on most LVRs. Refer to product guide for more details.
  • Loan Purpose
    Purchase or refinance of owner occupied and investment properties (including vacant land). Your client can also refinance and consolidate an unlimited number of debts. Cash out is available for acceptable personal purposes. 
  • Alternative Documentation (Alt Doc)
    Where standard supporting documentation is unavailable, the the Alt Doc prime loan allows applicants income to be verified by 2 of the following alternative forms of documentation: 6 months business bank statements, 6 months BAS and Accountants Letter. 24 month ABN & 12 month GST registration is required.
  • 100% interest offset sub-account
    With our 100% interest offset sub-account and Visa debit card; your clients can reduce the interest payable on their home loan whilst having access to transaction facilities.
  • Redraw
    Access funds that are available for redraw on the internet, on the phone or via ATMs.


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