Is this you?

Recently self-employed, recovering from bankruptcy, or getting back on track after a life-event? Our Specialist loan option could be the flexible answer to finance that you’re looking for. 

Key features of a Pepper Specialist home loan 

We accept unlimited defaults registered >12 months ago

  • We accept defaults listed within the last 12 months from one credit event
  • Variable interest rates starting from 5.19%p.a.* (Comparison rate 5.49%p.a^)
  • We accept mortgage and non-mortgage arrears
  • 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 up to 85% LVR for acceptable purposes including renovations and business use
  • Split loan facility
  • 100% interest offset sub-account
  • Redraw facility and Visa debit card access

To see which home loan option you qualify for, we recommend using our online calculator, where in less than five minutes we’ll estimate your repayments, eligibility and interest rate. What’s more – it won’t impact your credit score, so there’s nothing to worry about.

Calculate borrowing power

Home Loan 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 95% of the property’s value for purchases and up to 85% for refinance
Maximum amount $2,500,000 
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
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 137 377. Or download a detailed product description >

Think Pepper Specialist 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 137 377 to discuss your needs.

Borrowing options

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

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 95% 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 >

Calculate borrowing power Call 137 377 Enquire now

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 >

Help at hand

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

Important Information

Information and interest rates are correct as at 23 June 2022 and subject to change at any time. Offers and promotions are available for a limited time and may be continued, withdrawn, or changed at any time without notice.

All applications are subject to Pepper's credit assessment and loan eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

*Pepper Essential/Prime home loan variable interest rates range from 3.39-5.84%p.a. (Comparison rates range from 3.59%-5.72%p.a.^), Pepper Clear/ Near Prime home loan variable interest rates range from 4.24-7.94%p.a. (Comparison rates range from 4.52-7.90%p.a^.), Pepper Easy Near Prime home loan variable interest rates range from 4.30-8.09%p.a. (Comparison rates range from 4.58-8.05%p.a^.), and Pepper Advantage/Specialist home loan variable interest rates range from 5.19-9.04%p.a. (Comparison rates range from 5.49-9.05%p.a^.). 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 and a term of 25 years. 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.

Comparison rates for Variable Interest Only home loans are based on an initial 5-year Interest Only period.