Pre-approval tool Call 13 73 77 Enquire now

Many people believe that if you have a low income, you’re not eligible for a home loan. However, if your household income is supported by benefits outside of your standard employment income we will take this into consideration. Even if you have a poor credit rating you might still be eligible for a home loan with Pepper Money.

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What income sources are considered for a home loan?

At Pepper Money we consider different kinds of financial sources when evaluating loan applications. We look at part time employment, rental income, or regular government payments, and also allowances like Centrelink payments, child support payments, pensions (disability, retirement, overseas, veterans, etc.), and other money sources that you may have. 

Pepper Money: Real life home loans for non-standard income.

individual and personalised assessment

Deal direct with a decision maker

individual and personalised assessment

Individual and personalised assessment

individual and personalised assessment

Competitive interest rates matched to your circumstances

Some of the income sources we accept

  • PAYG income
  • Self-employed income
  • Full time / part time / casual / second job
  • 80% rental income
  • Family payments – Part A and B
  • Child support
  • Centrelink income
  • Pension
  • Worker’s compensation
  • Income protection payments
  • Bonus / Commission / Overtime
  • Car allowance / Company vehicle

How much would you like to borrow?

Try our Home Loan Pre-Approval Tool to find out if Pepper can help. Our 5 step process is simple and only takes a matter of minutes!

Find out now The result is indicative only and is subject to final approval. This tool does not provide a formal approval for a loan. For a formal approval, contact us now to discuss your needs on 13 73 77.

How our product range may be able to help you

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Pepper Essential

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

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Pepper Easy

A balanced home loan for borrowers who haven't had a credit problem in the last 2 years.

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Pepper Advantage

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

Find out more

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
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
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? 

Indicative approval

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

Make an enquiry now >

one on one help

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

Call 13 73 77 >

Help at hand

For more of your questions answered visit our Help Centre.

*Interest Rates start from this amount, are correct as at 1 September 2017 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.