Pre-approval tool Call 13 73 77 Enquire now

Real life happens. Unexpected events, changes in relationships or circumstances, and your situation needs some help. Recent research showed that such big changes in circumstances are pretty common. For example, 39% of Australians said they had been unexpectedly unemployed at some stage. And 22% said they had unexpectedly needed a loan.1

cerdit card wallet

It’s these sorts of real life surprises that can cause blips in our ability to pay our bills, and the result can be a problem in our credit history.

Many people with bad credit can be reluctant to apply for a home loan and get misinformed and told they won’t be able to get a loan.This may not be the case. There is a plan b. At Pepper money we have a range of home loans specifically designed for people who have these sorts of problems. So, if you’re having trouble because of your credit history talk to us at Pepper Money, we’ll do our best to help find a way forward.

Pepper Money: Real life home loans for credit impairment.

individual and personalised assessment

Deal direct with a decision maker

individual and personalised assessment

Individual and personalised assessment

individual and personalised assessment

Competitive interest rates matched to your circumstances

Some of the situation's we can help with

  • If you have past defaults (paid or unpaid)

  • Part IX or X debt agreements

  • Discharged bankrupt (more than one day)
  • Unlimited mortgage arrears (within last 6 months)

  • Late payments on credit / mortgages

  • Refused credit from your bank or another lender

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.

How our product range may be able to help you

a green home icon for pepper essential home loan
Pepper Essential

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

an amber home icon for pepper easy home loan
Pepper Easy

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

a red home icon for pepper advantage home loan
Pepper Advantage

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

Find out more

Home Loan Calculators

how much can i borrow
How much can I borrow?

Work out how much you may be able to borrow in today's home loan marketplace.

Calculate >

Home loan repayment
Home Loan Repayment Calculator

Work out your monthly or fortnightly mortgage repayments and the total interest payable for the life of the loan.

Calculate >

Stamp duty
Stamp Duty Calculator

Work out how much stamp duty you may need to pay on a property in each state in Australia.

Calculate >

We can help

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

Indicative approval
chat

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 at hand

For more of your questions answered visit our Help Centre.

*Interest Rates start from this amount, are correct as at 1 September 2017 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.