We've been making a difference to people's lives for over 25 years!
Help the clients that need it most. Whether they’ve gone through a big life change, just started a new business, or want to make the most of their home equity - we’ve got home loan options that could help.
Credit history considered
- Defaults (paid/unpaid) listed any time
- Late payments & mortgage arrears
- Part IX or X agreements
- Discharged bankrupt (1 day)
Self-employed support
- 6 months ABN
- 5 ways to verify income. Incl. 1–2-year financials
- Refinance ATO and business debt
- Company debt excluded from servicing
- Small business debt restructure (SBDR)
Plus, capacity boosting features across all options
- Up to 40-year loan terms
- Unlimited debt consolidation & cash out. Incl. business use
- Genuine savings not required
Hear from our real life customers
We get that everyone's situation is different. Whether they’ve experienced an unexpected life event, started a business, or the banks have already turned them down, we have a range of options that could help.
Josef
- Josef and his wife wanted to achieve home ownership since moving to Australia but encountered financial hardships.
- They found a property they liked and set his eyes on purchasing a new home for his young family.
- However, with their past credit history their application was turned away by the bank.
- Pepper Money worked with Josef and his broker to understand their situation and find a solution.
Ron
- After experiencing the loss of a loved one, Ron wanted to help a family member purchase a home.
- They found a property they loved, had been pre-approved for the amount, but didn’t have updated financials.
- His broker suggested going with Pepper Money and now they’re in their dream home.
Megan
- Megan just got out of a relationship which meant she had to sell the home she owned for a fresh start.
- She was looking for a sense of security, and prior to Pepper Money, the banks were turning her away.
- After buying her new home, she felt a sense of achievement, utmost gratitude, and a sense of relief.
Over 25 years of really helpful loan options
Important Information
Information is correct as of 12 December 2025 and is subject to change.
Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Applications lodged after the Promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time.
