Pre-approval tool Call 13 73 77 Enquire now

Tired of just getting by and want to do something about it? Debt consolidation through refinancing your mortgage might be the smartest way to get things back under control.

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The major advantages:

A large study identified that, on average, debt consolidation can reduce monthly outgoings by between 30 and 50%.1 That’s a huge difference in monthly quality of life, reducing stress as well as outgoings.

Getting rid of lots of small debts by rolling them into one can improve your credit score.2

By rolling all your debts into one you may be able to get a lower overall interest rate, save on fees and charges, and reduce paperwork. 

Pepper Money: Real life home loans for the debt consolidation.

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Deal direct with a decision maker

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Individual and personalised assessment

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Competitive interest rates matched to your circumstances

Some of the situation’s we can help with

  • Consolidate unlimited number of debts
  • Pay out private or solicitor debts
  • Pay out of ATO debt
  • Cash out for personal and business use
  • Failed to meet Lenders Mortgage Insurance requirements
  • Borrowers with impaired credit history considered.

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

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How much can I borrow?

Work out how much you may be able to borrow in today's home loan marketplace.

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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.

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Stamp duty
Stamp Duty Calculator

Work out how much stamp duty you may need to pay on a property in each state in Australia.

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

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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.