At Pepper, we have the tools you need to help you identify a suitable solution so you can say 'yes' to more of your clients.

Plus until 31 December 2019, we'll be discounting rates in various LVR bands across our Prime product, for your full doc and alt doc customers.* Find out more here.

pepper product selector

Pepper Product Selector

The quickest and easiest option for an answer to your client scenarios.

  • Receive an on-the-spot Indicative Offer
  • Result in less than 2 minutes!
  • Login and select 'Pepper Product Selector' in the 'My Account' drop down.
  • For construction loan scenarios – please enquire via the Scenarios Form on the right.
a couple icon to represent customers

Scenarios Form

An alternative option for when you want clarity on an aspect of our credit policy.

  • Useful tool for enquiries more general in nature
  • Same day response when submitted prior to 4.00pm
  • Serves as a useful guide - Not an Indicative Offer
  • Submit your enquiry using the form below.

Common scenarios

Can your client get home loan help? Absolutely. Pepper Money takes your clients' circumstances personally.

Is your client:

  • A customer who has been refused credit from a bank due to a high credit score, yet there was no default listed on their credit file?
  • Wanting to consolidate an unlimited number of debts including tax debt?
  • On stable self-employed income but undesirable to other lenders as they cannot provide full financials?
  • Recently back in the workforce after suffering from a temporary illness?
  • Looking for an LVR of 85% and unable to pay Mortgage Insurance?
  • Not able to access additional funds from their current lender because they missed a payment due to a timing issue?
  • A new business owner with an ABN registered under 24 months?
  • Earning unusual income other than PAYG or S/E that can be fully verified?

Leave your details and we'll be in touch

Our scenarios team provides a fast paced review of loans you're thinking of saying 'no' to. They can tell you when 'no' can be 'yes'. Submit your scenario below.

(Limit 5MB)

Attachment file can only be Word document, pdf, spreadsheet and images (gif, jpg, png, pdf, doc, docx, xls, xlsx etc)


^Pepper interest rate promotion applies only for new Pepper Essential/Prime loans applicants. Offer does not apply to existing borrowers. Applications must be submitted between 03.00pm AEDT on 1 October 2019 until 11.59pm AEDT on 31 December 2019. Applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Fees and charges are payable.

*Interest Rates range from 3.12-5.24%p.a. for Pepper Essential/Prime loans until 31 December 2019. 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.

**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. 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.