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

We understand that in real life everyone’s situation is different. That’s why we look at a wide range of things when we assess any application for a home loan. Instead of simply ticking boxes we like to get a good detailed understanding of your situation before we start making decisions.

We offer a range of home loan borrowing options to suit your needs:

Why choose Pepper Money

Since 2001, we’ve helped over 200,000 Aussies who don’t tick all the traditional boxes for a home loan.

At Pepper Money we get real life, that's why we keep our thinking and our loans flexible. 

Choose between weekly, fortnightly or monthly repayments and make extra payments for free on any variable home loan.

  • Flexible home loans to suit a variety of situations. 
  • Deal direct with a decision maker and get guidance the whole way through
  • Competitive rates matched to your circumstances
  • Australia's Best Non-Bank Lender

Explore our home loan products

Pepper Essential basic loan
Pepper Essential

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

4.16% p.a.

Interest rate starting from

4.35% p.a.

Comparison rate*

 

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.

5.41% p.a.

Interest rate starting from

5.78% p.a.

Comparison rate*

Pepper Advantage loan
Pepper Advantage

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

5.71% p.a.

Interest rate starting from

6.08% p.a.

Comparison rate*

Try our Home Loan Repayment Calculator

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

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With a repayment frequency of:

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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.

Read the review on Product review >

Popular questions...

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 Financial Statements and Certified Tax Returns + Tax Assessment Notice. If you are self-employed and unable to provide the above documentation, you may still qualify for an alternative documentation (alt doc) loan such as, a completed 'Self-Employed Declaration of Financial Position'; plus one of the following options:

  • 6 months Business Bank Statements
  • 6 months Business Activity Statements (BAS) or 
  • Pepper Accountant’s Letter (only available for use on select products).

At Pepper Money we can finance home purchases of up to 95% LVR (subject to the loan meeting our eligibility criteria), which means you can start to look at buying once you have saved around 5% of the purchase price. However, we recommend working towards 10% as an ideal target.

The reason for the suggested 10% target is that when saving for your deposit it is really important to factor the additional costs you will need to cover when you are taking out a loan, including:

  • Establishment and risk fees such as mortgage insurance (generally these are up to 2% of the amount being borrowed)
  • Conveyancing and legal costs
  • Government fees including stamp duty (amounts vary based on State and other factors)
  • Title search and registration fees
  • Pest and building inspections
  • Home building insurance prior to settlement

If you’re interested in seeing how much you may be able to borrow for a home loan you can check out our calculator here

Rates refers to the interest rate, being the amount of interest you pay on your loan amount. Fees are the fees and charges that you pay for establishment and ongoing administration of your loan account.

The interest rate you will qualify for is based on a range of different factors, including: The amount you need to borrow against the property value, known as the loan-to-value ratio (LVR) and the size of your deposit, whether the loan is to purchase an owner-occupied property or investment property, or if you have had any past credit issues.

Click here to learn more about our home loan product options. At Pepper Money we offer a range of interest rates, depending on your individual circumstances. To get an indicative interest rate, please call 13 73 77 and speak with one of our lending specialists.

Your Pepper Money Home Loan Journey can take up to six weeks – this is the typical timeframe for a home purchase, however, we can help turn this around in closer to three weeks if you are ready to go with all the necessary supporting documentation.

To learn more about Pepper Money Home Loan application process, click here.

We are Australia’s number 1 non-bank lender, as voted by the Australian Lending Awards 2018, and we live our mission every day: to help people succeed.

We specialise in working on each individual application so we can fully understand your real life situation and help find a suitable solution.

We were set up in 2001 because so many people needed home loans that banks weren’t prepared to offer. Since then we’ve helped over 200,000 Australians who don’t tick all the traditional boxes for home loans – and we also provide personal loans as well as professional equipment and car loans. Learn more about us here.

We can help

Ready to apply or want to discuss your home loan needs? 

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

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one on one help

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

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Help Centre library

Have questions? Browse our library of handy home loan tips, guides and FAQs.

Help centre >

Things you should know

*Interest Rates start from this amount, are correct as at 22 March 2019 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. 

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