Self employed? Credit history issues? Income that doesn't tick the standard boxes?

At Pepper Money we get real life, it's hurdles and unexpected events. That's why we keep our thinking and our loans flexible. You can choose between weekly, fortnightly or monthly repayments and make extra payments for free on any variable home loan. Deal direct with your lending specialist for step-by-step help through the whole process.

Home loans to fit your needs. How our product range may be able to help you.

Pepper Essential basic loan
Pepper Essential

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

4.04% p.a.

Interest rate starting from

4.23% p.a.

Comparison rate*

Key features:

  • No credit scoring or third party lenders mortgage insurance approval required
  • Non-genuine savings - like an inheritance or bonus can be considered in the assessment.


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.

5.29% p.a.

Interest rate starting from

5.64% p.a.

Comparison rate*

Key features:

  • Allows consolidation of multiple debts
  • Assist someone discharged from bankruptcy by one day.

Pepper Advantage loan
Pepper Advantage

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

5.59% p.a.

Interest rate starting from

5.94% p.a.

Comparison rate*

Key features:

  • Can help someone who is overcommitted financially and may be in mortgage arrears
  • Can assist someone going through a life event that has caused defaults on credit file.

Calculate borrowing power Call 13 73 77 Enquire now

Try our Home Loan Repayment Calculator

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

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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.

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We're here to help you

The best way to find out if we can help is to talk to us. That way we can understand you, your situation and how we can help.

Enquire now

*Interest Rates start from this amount, are correct as at 6 July 2018 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.