We've expanded our lending with larger loans, higher LVRs, and broadened where we lend, helping you place more deals. Here's how.
Let’s go larger
Loans up to $5M with 80% LVR and $3M with 95% LVR
- Bigger loan limits
Let’s go broader
Greater lending capacity for Cat 1-4 and high-density
- More scenarios that fit metro & regional
Let’s go further
Up to 98% LVR incl. LPF for purchases
- Help clients enter the market sooner
Let’s go beyond
Up to 95% LVR for Alt Doc option
- Supporting clients with non-traditional paperwork
See how these changes apply to the scenarios you work on every day
Let’s solve your next scenario
Some deals move easily. But not every client fits traditional lending. Got a client or scenario in mind? Get a quick response from our team.
The helpful policies you know us for
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Self-employed
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Investors
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Capacity boosters
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Income types
Self-employed
- Alt Doc: 1 form of income verification
- BAS, business bank statements up to $5m and Accountant’s Letter up to $3m
- Full Doc: 1 year’s financials or tax returns
- Refi business & ATO debt (payout/ remain)
- Cash out (business use)
Investors
- No notional rent
- No DTI limits
- SPV, company and trust borrowers
- No loading for professional investors
Capacity boosters
- Up to 40 year loan terms.
- 1% buffer for select scenarios
- Unlimited debt consolidation
- Refi private and solicitor debts
- Interest only option (Max 5 years)
- Tax debt consolidation
Income types
- Full/ part time
- Casual or second job
- Commissions/ bonus
- Family Tax A & B / child support
- Workers compensation or income protection
- Overtime
Tools to help you
Rate Card
Compare all of our
rates and fees
rates and fees
Product Guide
For more information on our products
LPF Calculator
Estimate the
applicable LPF
applicable LPF
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Insights & emerging trends from experts
Important Information
Information is correct as at 28 July 2026 and subject to change at any time.
Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
©Pepper Money Limited ABN 55 094 317 665; AFSL and Australian Credit Licence 286655 (“Pepper”). All rights reserved. Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.
