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 look at a wide range of things when we assess any application for a home loan. Instead of simply ticking boxes we like to get a good detailed understanding of your situation before we start making decisions.

We offer a range of home loan borrowing options to suit your needs:

Why choose Pepper Money

Since 2001, we’ve helped over 200,000 Aussies who don’t tick all the traditional boxes for a home loan.

At Pepper Money we get real life, that's why we keep our thinking and our loans flexible. 

Choose between weekly, fortnightly or monthly repayments and make extra payments for free on any variable home loan.

  • Flexible home loans to suit a variety of situations. 
  • Deal direct with a decision maker and get guidance the whole way through
  • Competitive rates matched to your circumstances
  • Australia's Best Non-Bank Lender

Explore our home loan products

Pepper Essential basic loan
Pepper Essential

A simple home loan for borrowers with a clear credit history.

4.16% p.a.

Interest rate starting from

4.35% p.a.

Comparison rate*


Pepper Easy flexible features loan
Pepper Easy

A balanced home loan for borrowers who haven't had a credit problem in the last 2 years.

5.41% p.a.

Interest rate starting from

5.78% p.a.

Comparison rate*

Pepper Advantage loan
Pepper Advantage

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

5.71% p.a.

Interest rate starting from

6.08% p.a.

Comparison rate*

Try our Home Loan Repayment Calculator

See what a Pepper Money home loan might look like for you.

digits only, min-5000

digits only, min-1 year, max-30 years

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With a repayment frequency of:

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See what our customers are saying about us  

See what our customers are saying about us  

At Pepper Money we care what our customers think about us, which is why we encourage any feedback to help us continually improve our service.

Read the review on Product review >

We can help

Ready to apply or want to discuss your home loan needs? 


Make an enquiry today and a Lending Specialist will contact you as soon as possible.

Make an enquiry now >

one on one help

Speak to a Home Lending Specialist on 13 73 77. They're here to help. 

Call 13 73 77 >

Help Centre library

Have questions? Browse our library of handy home loan tips, guides and FAQs.

Help centre >

Things you should know

*Interest Rates start from this amount, are correct as at 22 March 2019 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. 

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

Calculate borrowing power Call 13 73 77 Enquire now