Help for the home buyer

Buying a home is arguably one of the biggest and most exciting decisions you’ll ever make, especially if it’s your first.

When it comes to the traditional lenders, approvals can mean having to tick a lot of boxes and fitting into a long list of pre-determined and automated criteria. Pepper Money, however, has a far more holistic and personalised approach that’s all about helping to find a solution that suits your individual needs.

Thinking outside the tick box

thinking outside the box

We understand that everyone’s situation can differ. That’s why we like to look at a wide range of things when we are assessing the application for a loan. Instead of simply ticking boxes like many other lenders, we like to get a more detailed and informed understanding before we start making decisions.

Because we understand the need to move quickly, once we’ve received your documentation, and provided it checks out, we can give you a conditional approval within 24 hours.

It's all about being flexible

We’re not about how you fit into a regimented system, we're about doing our best to find a home loan suitable for you.

Clearly, a lot of thinking and planning goes in to buying a home, and it can sometimes be a little daunting. That’s why we’ve made sure the process is as simple and streamlined as we possibly can.

We assess your situation on your own individual merits, which means we can help find a home loan to fit your needs.

We understand that your situation might not be typical of most. But it doesn’t mean you shouldn’t still be able to get a home loan.

Just by being a little flexible, we’ve been able to help thousands of home buyers in Australia achieve their home loan happiness.

How much would you like to borrow?

Try our Home Loan Pre-Approval Tool to find out if Pepper can help. Our 5 step process is simple and only takes a matter of minutes!


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.

We hear you

At Pepper Money, you will talk one-on-one to a Lending Specialist. That person will be the one that sees your application all the way through, from your first chat about your personal circumstances, to overseeing your assessment to giving you a straightforward answer, sooner rather than later.

What you get with Pepper Money

  • Individual and personalised assessment with a decision maker
  • 100% interest offset sub-account
  • Gifted deposits allowed
  • Borrow up to 95% of the property value (available on some loans)
  • Borrowers with impaired credit history considered
  • Access to redraw facilities and Visa debit card access
  • Competitive interest rates matched to your circumstances

If you’re keen to learn a little more about the home loan that could work for you and how much borrowing power you have, or simply to get some answers to a few questions, you can always get help from one of our friendly Lending Specialists on 13 73 77.

pepper money lending specialist

We're all ears

Whether you're a first home buyer, or purchasing your next property, you can always find someone to give you one-on-one help at Pepper Money. Just give us a call on 13 73 77 and tell us about your situation. The more we learn, the better we can help.

Contact Us

Help at hand

For more of your questions answered visit our Help Centre.

Pre-approval tool Call 13 73 77 Contact us