Applying for a Pepper home loan in 4 simple steps

Posted Getting Started
Applying for a Pepper home loan in 4 simple steps

Finding your dream home can be one thing. Getting a home loan can sometimes be another. To help make sure the process doesn’t become a process, Pepper has created 4 simple steps when it comes to getting a home loan.

1. Chat
The first thing we do is take the time to listen and understand your needs because your unique circumstances are important to us. Once we identify your needs we will discuss your personal finances to learn about your current financial position, this discussion will cover topics surrounding your income, expenses, assets and liability positioning, and your credit history.

2. Check
Following on from our ‘Chat’ we will review and assess the documentation you have provided us to validate your financial position. Following a successful assessment we will issue you with an Approval in Principal letter and instruct an independent Valuer to inspect your proposed property to validate the estimated value or purchase price.

3. Seal
Once all the ‘Checks’ have been satisfied you will be issued with a Formal Approval. We’ll send you a copy of the loan agreement, which details the term and conditions of the loan.

4. Settle
All that’s left is for you to sign and settle. You’ll need to review and sign your loan documents, while we prepare and confirm your settlement date.  The settlement day represents the beginning of your new home loan and when you officially start your financial journey with Pepper.


To apply for a Pepper home loan contact one of our Lending Specialists on 13 73 77 from Monday to Friday, between 8:00am and 6:00pm AEST. They will talk with you and guide you through the process.

Alternatively, you can get an estimate of how much you can borrow in just a few minutes by telling us a little bit about yourself and your situation. Use our Home Loan Pre-Approval Tool.


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

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Would you like to know more?

For more information please contact your Mortgage Broker or give us a call on 13 73 77 and tell us about your situation. The more we learn, the better we can help.

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