Pepper Advantage

If you’re a borrower who is unable to meet the criteria of banks or mortgage insurers, then Pepper Advantage may work for you. 

Key features of a Pepper Advantage home loan

We accept unlimited defaults registered >12 months ago
We accept unlimited defaults registered >12 months ago
Borrowers discharged from bankruptcy >1 day ago considered
Borrowers discharged from bankruptcy >1 day ago considered
 Cash out available for a range of purposes including business use and ATO debt payout
Cash out available for a range of purposes including business use and ATO debt payout

Other features:

  • Unlimited defaults accepted (paid or unpaid)
  • No third party Lenders Mortgage Insurance (LMI) approval required
  • Up to four debts that can be consolidated 
  • 100% interest offset sub-account
  • Split loan facility
  • Redraw facility and Visa debit card access
  • Alternative income verification methods available
  • Phone and internet transaction functionality
  • Variable interest rates starting from 5.44% p.a (Comparison rate 5.82% p.a)* 

Download detailed product description

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

*Interest Rates start from this amount, are correct as at 19 September 2016 and subject to change at any time. The actual interest rate applicable will depend on the individual borrower’s circumstances.  All Comparison Rates are calculated based on a secured loan of $150,000 over a 25 year term. 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.

Think Pepper Advantage could be right for you?

Try our Home Loan Pre-Approval Tool to find out in 5 simple steps if Pepper can help. Start by using the slider to tell us how much you would like to borrow.

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Please enter the borrowing amount

Find out now The result is indicative only and is subject to final approval. This tool does not provide a formal approval for a loan. For a formal approval, contact us now to discuss your needs on 13 73 77.

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