Is this you?

If you’re a borrower who is unable to meet the criteria of banks or mortgage insurers, then Pepper Advantage may work for you.  

Key features of a Pepper Advantage home loan 

We accept unlimited defaults registered >12 months ago

  • We accept defaults registered within the last 12 months from one credit event
  • We accept mortgage arrears (within last 6 months)
  • Alternative income verification methods available

Borrowers discharged from bankruptcy >1 day ago considered

  • Borrowers discharged from bankruptcy more than 1 day ago considered
  • Unlimited debt consolidation
  • No third party Lenders Mortgage Insurance (LMI) approval required
  • Phone and internet transaction functionality

Cash out available

  • Cash out available for a range of purposes including ATO debt payout (limits may apply)
  • Split loan facility
  • 100% interest offset sub-account
  • Redraw facility and Visa debit card access

Product Summary

Loan purpose Purchase or refinance of owner occupied or investment properties, also includes unlimited debt consolidation, cash out and payment of tax debts.
Maximum LVR Borrow up to 75% of the property’s value for purchases and refinances
Maximum amount $1,000,000 
Minimum amount $50,000
Maximum term 40 years (subject to expected retirement age).
Minimum term 10 years
Interest structure Principal & Interest OR Interest Only (Interest Only available to a maximum of 5 years). Additional terms and conditions apply to Interest Only loans.
Repayment frequency Weekly, fortnightly or monthly (Interest only is monthly).
Extra payments Permitted
Statement frequency 6 monthly or on request (a fee applies for requested statements)
Offset Sub-account Yes - 100% interest offset sub-account is available. The terms and conditions applicable to offset sub-accounts are set out in the customer’s loan agreement.


Like to know more: Call us now 13 73 77. Or download a detailed product description >

Think Pepper Advantage could be right for you?

Get an estimate on how much you can possibly borrow with Pepper in a matter of minutes, based on your income and financial commitments.

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Find out now 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 13 73 77 to discuss your needs.

Borrowing options

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Self-employed
  • Tax returns not completed
  • Payout business/tax debt
  • Newly self-employed 

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Non-standard income
  • PAYG income
  • Part time, casual or second job
  • Other income sources 

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Home buyer
  • Borrow up to 85% of the property value on some loans
  • Gifted deposits allowed
  • Borrowers with impaired credit history considered

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Investor
  • Interest only repayments available
  • Negative gearing benefits applied
  • Rental income considered for loan servicing

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Bad credit
  • Past defaults or late payments
  • Previous mortgage arrears
  • Refused credit by another lender

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Refinancer
  • Consolidate unlimited number of debts
  • Pay out private or solicitor debts
  • Cash out for personal use like home renovations

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Debt consolidation
  • Consolidate unlimited number of debts
  • Pay out an ATO tax debt
  • Impaired credit history considered

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In the current environment, some of our regular home loan optons may not be available. We are happy to discuss your situation to see if we can help.

Calculate borrowing power Call 13 73 77 Enquire now

Home Loan Calculators

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How much can I borrow?

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Home Loan Repayment Calculator

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Stamp Duty Calculator
Stamp Duty Calculator

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We can help

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Speak to a Home Lending Specialist

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

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