Is this you?

Experienced something in life that may have impacted your credit history? Then the Pepper Easy home loan migh be for you

Key features of a Pepper Easy home loan

No restrictions on length of employment


  • No third party Lenders Mortgage Insurance (LMI) approval required
  • Alternative income verification methods available
  • Phone and internet transaction functionality.
  • Cash out available for agreed purposes
  • Interest only repayments available
Unlimited number of debts consolidated

  • Unlimited number of debts consolidated
  • 100% interest offset sub-account
  • Redraw facility and Visa debit card access
  • Split loan facility
  • Cash out available for acceptable purposes including renovations and payout of ATO debts (limits may apply)

Unlimited defaults under $1,000 accepted

  • Unlimited defaults under $1,000 accepted (paid or unpaid)
  • Unlimited defaults, judgements or writs registered more than 24 months prior to your home loan application (paid or unpaid) considered

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 80% of the property’s value for purchases. 75% for purchases and refinances on alt doc loans
Maximum amount $1,000,000 up to 80% LVR
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 on Pepper Easy PLUS only). 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 Easy 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.

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

an image of a self-employed couple
  • Tax returns not completed
  • Payout business/tax debt
  • Newly self-employed 

Find out more >

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

Find out more >

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

Find out more >

an image of a middle aged investors
  • Interest only repayments available
  • Negative gearing benefits applied
  • Rental income considered for loan servicing

Find out more >

an image of a credit impaired borrower
Bad credit
  • Past defaults or late payments
  • Previous mortgage arrears
  • Refused credit by another lender

Find out more >

an image of a middle aged refinancer
  • Consolidate unlimited number of debts
  • Pay out private or solicitor debts
  • Cash out for personal use like home renovations

Find out more >

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

Find out more >

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.

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 >

Calculate borrowing power Call 13 73 77 Enquire now

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 13 73 77. They're here to help. 

Call 13 73 77 >

Help at hand