At Pepper Money we cover the entire breadth of home loan options, from standard to specialist, we have real life solutions for all sorts of real life situations.

Self employed? Credit history issues? Income that doesn't tick the standard boxes? We understand that in real life everyone’s situation is different. That’s why we keep our thinking flexible and look at a wide range of things when we assess any application for a home loan.

  • Flexible home loans to suit all sorts of circumstances.
  • Deal direct with a decision maker and get help the whole way through
  • Home loan rates that are matched to your situation
  • Non-genuine savings (like an inheritance or bonus) can be considered in the assessment

Questions? Check out our FAQ’s.


Australia's Best Non-Bank and Specialist Lender

A wide range of home loan solutions for all your situations

Pepper Essential Home Loan
Pepper Essential

A simple range of options for borrowers with a clear credit history.


Starting from*

3.12% p.a.

Comparison rate^

3.32% p.a.

Pepper Easy
Pepper Easy

A balanced home loan range for borrowers who haven’t had a credit problem in the last two years.


Starting from*

4.26% p.a.

Comparison rate^

4.63% p.a.

Pepper Advantage
Pepper Advantage

A real set of home loan options for borrowers whose circumstances have made getting a home loan challenging.


Starting from*

5.51% p.a.

Comparison rate^

5.88% p.a.

Enjoy these variable rates until 31 December 2019 on Pepper Essential product**

Service you can rely on

Leave your details and we'll be right back in touch!

Leave us your details today and a Lending Specialist will contact you within 24 hours (Mon-Fri) to chat about your home loan options. Alternatively, feel free to speak to a Lending Specialist right now – just call us on 13 73 77.


Popular questions...

You will need to have documents supporting your current financial position such as recent bank statements, payslips or other proof of income, personal identification and a snapshot of your current asset and liability position.

For PAYG applicants we require two current payslips plus one of the following:

  • Most recent group certificate
  • Most recent tax return / taxation notice
  • Current letter of employment
  • Bank statements – to confirm last 3 months salary credits

For Self-Employed applications we need your last two years Financial Statements and Certified Tax Returns + Tax Assessment Notice. If you are self-employed and unable to provide these documentation, you may still qualify for an alternative documentation (alt doc) loan. For more details click here

At Pepper Money we can finance home purchases of up to 95% LVR (subject to the loan meeting our eligibility criteria), which means you can start to look at buying once you have saved around 5% of the purchase price. 

However, we recommend at least 10% as an ideal target as it is important to factor in the additional costs you will need to cover when you are taking out a loan. 

At Pepper Money, we offer a range of variable interest rates depending on your individual circumstances. A decision on your rate will be based on a range of different factors including;

  • The amount you need to borrow against the property value; known as the Loan-to-Value Ratio (LVR)
  • The size of your deposit
  • Your source of income
  • Credit history
  • Assets and liabilities 
  • And whether the loan is to purchase an owner-occupied property or an investment property. 

Click here to learn more about our home loan products, or to get an indicative interest rate speak to one of our Lending Specialists on 13 73 77

There are fees associated with every home loan application which should be factored on top of your deposit. For example, establishment and ongoing administration of your loan account, legal fees, stamp duty and mortgage insurance fees.

Get in touch with one of our Lending Specialists on 13 73 77 to understand the full list of fees on a Pepper Money home loan and when these might apply. Alternatively you can view a high level summary of our home loan fees here

Your Pepper Money Home Loan Journey can take up to six weeks – this is the typical timeframe for a home purchase, however the process may be quicker if all the necessary documentation is provided sooner. 

Delays in decisions are often caused by incorrect or missing documentation. 

To learn more about Pepper Money Home Loan application process, click here or for more information speak to a Lending Specialists on 13 73 77.

We are Australia’s number 1 non-bank lender, as voted by the Australian Mortgage Awards 2019, and we live our mission every day: to help people succeed.

We specialise in working on each individual application so we can fully understand your real life situation and help find a suitable solution.

We were set up in 2000 because so many people needed home loans that banks weren’t prepared to offer. Since then we’ve helped over 200,000 Australians who don’t tick all the traditional boxes for home loans – and we also provide personal loans as well as professional equipment and car loans. Learn more about us here.

Have more questions that weren’t answered here? Call us on 13 73 77 or view the full FAQs here.

Things you should know

*Pepper Essential home loan variable interest rates range from 3.12-5.24%p.a. (Comparison rates range from 3.32%-5.61%p.a.) until 31 December 2019. Pepper Easy home loan variable interest rates range from 4.26-7.61%p.a. (Comparison rates range from 4.63%-8.24%p.a.). Pepper Advantage home loan variable interest rates range from 5.51%-8.11%p.a. (Comparison rates range from 5.88%-8.72%p.a.). All Pepper home loan variable interest rates are correct as at 1 October 2019 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 applicants. Offer does not apply to existing borrowers. Applications must be submitted between 3pm AEDT 1st October 2019 and until 11:59pm AEDT on 31st December 2019. 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. Applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Fees and charges are payable.

^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. 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.

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

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