Investing in property is an opportunity that could generate returns over time and play a significant role in helping to grow your wealth.  

But if your credit history isn’t squeaky clean or your type of employment is a bit unconventional, or if your age and income don’t fit within a pre-determined criteria, you might find the traditional lenders starting to shake their heads. But that’s OK. Where some get caught up ticking boxes, Pepper Money takes a far more real life approach to finding you a workable solution.

small shortfall doesnt mean you come up short
It's all about being flexible

So you may have missed the odd phone bill. In real life it happens. Or you might make your living from slightly alternative means, and so what if you’re at the age where you’re nudging closer to retirement if you have sufficient ongoing income to service a loan.

Just because you might not fit the traditional lenders typical property investment borrower profile doesn’t mean you shouldn’t still be able to get a home loan. We assess your whole situation on its merits.

Gains before you begin
Deal with the decision maker

Finding the right investment property to give you the greatest returns is one thing. Getting approval for a home loan can be another. That’s why, if we’ve received the documents we need and provided they check out, we can give you a conditional approval within 24-48 hours.

You may also qualify for an interest-only loan – for up to 5 years. And on some loans, we can lend up to 90% of the property value. Most important of all, at Pepper Money, you get to deal direct with the person who is a decision maker and can give you an answer promptly.

Pepper Money: Real life home loans for the property investor.

individual and personalised assessment


Individual and personalised assessment

Speak to a Home Lending Specialist


Deal direct with a decision maker

Home loan interest rates matched to your circumstances


Personalised interest rates based on your individual circumstances.

Some of the situations we can help with

  • 90 day valid conditional approval
  • Interest only repayments available
  • Individuals or Companies acting as Trustee are considered
  • Negative gearing benefits applied
  • Rental income considered for loan servicing
  • Borrow up to 90% of the property value (available on some loans)

Ready to take the next step?


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

Enquire now

Thinking that's outside the tick box

We understand that everyone’s situation is different. That’s why instead of simply ticking boxes, like most, we get a bigger picture of you. And we won’t make any notes on your credit file without your okay.

To paint that bigger picture, we begin with 4 things and fill in details around them the more we talk with you.

  1. What you do – how you make a living, full-time, part-time, casual, or run your own business
  2. What you own – your assets, do you own a home or investment property or have you saved a deposit?
  3. What are your outgoings? – your liabilities, do you have a mortgage, car payments or credit card debt? Do you have a business debt or ATO debt? What are your living expenses?
  4. What you missed – your credit history, do you have any defaults, missed loan repayments or missed bills?

Even if any of these things are complicated in any way, we’ll do our best to help. We get the level of thinking and planning in a venture like property investment so we keep things at our end as simple, streamlined and flexible as possible, to make sure the process doesn’t become a process.  

Know where you stand

Get an estimate of how much you could borrow in less than five minutes, without impacting your credit score.

What’s the value of the property you’re looking at?

Estimate my borrowing power This calculator is to be used as a guide as to whether you may be able to borrow a certain amount only, based on the basic information you have provided. It does not provide you with formal approval for a loan and you should not enter commitments based on the result. If you need a formal approval, contact us now on 137 377 to discuss your needs.

Discover how our real-life home loan options could help you

Discover how a Pepper Money home loan could help you


Our flexible approach to home loans factor in the ups and downs of real life. Whether you're looking for the certainty of repayments with a fixed rate loan or want to enjoy more flexibility with a variable rate loan, we have options to consider. 

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 Calculator
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 Calculator
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? 

Get a quick borrowing estimate
Enquire today and talk to a Lending Specialist

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

Make an enquiry now >

Speak to a Home Lending Specialist

Speak to a Home Lending Specialist on 137 377. They're here to help. 

Call 137 377 >

Popular home loan questions...

Here are some FAQs about applying for a investor home loan with Pepper Money.

You will need to have documents supporting your current financial position such as recent bank statements, payslips or other proof of income, personal identification and a snapshot of your current asset and liability position.

For PAYG applicants we require two current payslips plus one of the following:

  • Most recent group certificate
  • Most recent tax return / taxation notice
  • Current letter of employment
  • Bank statements – to confirm last 3 months salary credits

For Self-Employed applications we need your last two years Tax Returns, two years Tax Assessment Notice and & last 1 month’s business bank statements. If you are self-employed and unable to provide this documents, you may still qualify for an alternative documentation (alt doc) loan. For more details click here

On some of our loans, we offer finance up to 95% of the purchase price, meaning you can start to look at buying a house once you've saved at least 5% of the purchase price. The deposit amount may also depend on the property and area you’re looking at purchasing.

Remember, there can be extra costs involved when buying a house. You’ll need to cover government and legal fees, which can’t be added to your home loan balance.

The interest rate offered, and fees and charges will depend on our assessment of a number of factors at the time of application including:

  • The size of your deposit
  • Nature of the security property
  • Loan to value ratio (LVR)
  • Your income
  • Credit history
  • Any assets you own
  • Any liabilities or credit obligations
  • Chosen repayment type – paying off interest-only, or principal and interest
  • The purpose of the loan – if it’s for an owner-occupier or investment property

The risk loading will apply for the loan term.

To get an indicative interest rate speak you can start by using our online borrowing power calculator, or speak to one of our Lending Specialists on 137 377

Certain Pepper Money fees can be added to your loan balance, while others will need to be paid upfront – including establishment or application fees, and risk or mortgage insurance fees. Other smaller fees (like fees for an offset sub-account) will be added to your loan each month.  

You can view a summary of our home loan fees here  

You’ll also need to pay solicitor fees along with local and state government taxes and levies. These can’t be added to your loan balance and are usually paid upon settlement. 

Your Pepper Money Home Loan Journey can take up to six weeks – this is the typical timeframe for a home purchase, however the process may be quicker if all the necessary documentation is provided sooner. 

Delays in decisions are often caused by incorrect or missing documentation. 

To learn more about Pepper Money Home Loan application process, click here or for more information speak to a Lending Specialists on 137 377.

Our home loan borrowing capacity calculator asks a few personal and financial questions to calculate an estimate of how much you may be able to borrow with Pepper Money. After finding out how much you could potentially borrow, you can then either speak to a lending specialist about your situation, or continue on to get an indicative interest rate online.

See how much I can borrow

We’re one of Australia's leading non-bank lenders!

We were established in 2000 to help Australians achieve their financial dreams through providing flexible financial solutions that factor in the ups and downs of real life. Since then, we’ve become one of the largest, award-winning non-bank lenders in Australia and New Zealand.

To see the full home loan FAQs, click here


Important Information

Information provided is factual information only,and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licenced financial or ta adviser. All applications are subject to credit assessment, loan eligibility criteria and lending limits. Terms, conditions, fees and charges apply. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.

Help at hand

Here are some handy tips and guides to help you on your investor home loan journey.

For more of your questions answered visit our Help Centre.

Calculate borrowing power Call 137 377 Enquire now

Important Information

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