Business owner enquires about a commercial loan
Business owner inquires about a commercial loan

Commercial Real Estate

Discover our Can Do approach to commercial lending, with fast turnaround times of 3 business days

Asset & Equipment Finance

Brokers help clients looking to finance a car or equipment

Asset & Equipment Finance

Brokers help clients looking to finance a car or equipment

Commercial Real Estate

Discover our flexible approach to commercial lending. Get a fast turnaround within 3 business days.

Brokers tell clients about CRE solutions

Whether your client's goal is to grow, invest or expand, help them succeed.

Max loan amount for commercial real estate

Up to $5M

Max loan amount differs across product option, security type and doc type
Max LVR for commercial real estate

Up to 80% LVR

Max LVR differs across product option and document types
commercial real estate loan terms

1-30 year loan terms

Loan term differs across product option, security type and doc type
Fast SLAs

No commission clawback

For early payouts on new applications

Our Can Do approach

  • Fast turnaround: get a response in
    3 business days for loans <$1.5M
  • Refinance tax debts
  • 100% offset sub account (fees apply)
  • Unlimited cash out
  • Free online redraw
  • One credit sign-off - resident and commercial
  • GSA not required in all cases



What additional securities will we accept for
Commercial Real Estate?

We'll consider the following as security from your clients for commercial lending.

  • Boarding houses
  • Child care centres
  • Industrial units
  • Medical suites
  • Mixed residential and commercial use
  • Residential securities
  • Shop fronts/retail
  • Student accommodation
  • Showrooms
  • Strata office
  • Vacant Industrial Land (hardstand)
  • Warehouse
  • NDIS accommodation
Bank said no to your commercial client? Put it to the non-bank test.

Tools to help you

commercial product guide

Product Guide

Detailed comparison of our commercial real estate lending options.
 Serviceability Calculator

Serviceability Calculator

Check your client’s serviceability estimate before submitting an application.
Documents Library

Documents Library

All the forms you need to apply for and manage your clients' home loan.
Product Updates

Product Updates

Information on our latest product pricing and policy offers.



Commercial lending
made easy

Find out how Pepper Money’s Can Do approach can help your commercial real estate clients.

Have you been referring your commercial deals? Think again. 


Got a client you need help with?

Get quick, expert assistance on available loan options for those complex situations.

Apply Online

With our efficient Apply Online functionality, you can get started right away. Our efficient Apply Online functionality will be very familiar to you in terms of the way you are already working with us on mortgage applications.

Access Apply Online with your email address and the same login as your Pepper Money Home Loan online application portal. If you don’t have these login details, you can contact us at

Looking for Asset Finance solutions for your commercial clients?  Learn more about our solutions for your business customers.


Information is correct as at 16 November 2023 and subject to change at any time.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

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Helping you help all kinds of clients. Talk to us today.