Broker helps family get home loan
Broker helps family get home loan

Our Home Loan Options

Find your clients' fit with our wide range of home loan options

Our Home Loan Options

Find your clients' fit with our wide range of home loan options

Broker tells clients about home loan solutions
red hot rates package

Red Hot Rates Package 

Until 15 August 2024, get access to reduced rates for select LVRs and loan options1. 
Plus, 2% servicing buffer and comprehensive policy options. 


pepper prime home loan option

Pepper Prime

Our option for clients with a mostly clean credit history
  • 1 form of income verification for Alt Doc loan option
  • Minor defaults under $500 considered
  • Non-genuine savings up to 90% LVR
  • No limit on cash out amount, up to 80% LVR, personal use only
  • Consolidate up to 4 debts
  • Vacant land accepted
  • No third party LMI approval
Pepper Near Prime Clear

Pepper Near Prime Clear

Our option for those with mostly clean credit history who need greater flexibility
  • 1 year financial statement on Full Doc loan option
  • Late payments on unsecured debts with max RHI (1) across the last 3 months
  • Unlimited debt consolidation, incl. business and ATO debt (loan size & LVR limits apply)
  • Unlimited cash out for personal or business use (loan size & LVR limits apply)
  • Up to 40 year loan terms
Pepper Near Prime

Pepper Near Prime

For those who need greater flexibility and may be recently self-employed
  • 2 years financial statements on Full Doc loan option
  • Unlimited defaults, judgements and writs $3,000, listed 24 months
  • Discharged bankrupt (1 day)
  • ABNs from 12 months (clean credit)
Pepper Specialist

Pepper Specialist

Tricky circumstances or life events? There’s still an option


  • Unlimited defaults, judgements or writs from 1 credit event, 12 months (paid/unpaid)
  • Unlimited mortgage and non-mortgage arrears within the last 6 months
  • ABNs from 6 months

Want to know more about our home loan options?

Tools to help you

Rates and Fees

Rates & Fees

View our home loan rates, options and fees.
Tools and Calculators

Tools & Calculators

Calculate estimated serviceability, LPF, see where we lend or order a valuation.
Documents Library

Documents Library

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

Product Updates

Check out the latest product offers and credit policy changes from Pepper Money.



Bank said no? Give it the non-bank test

Not sure if you can help your client? We'll help you work it out. Find a home loan option by either contacting a BDM, submitting a scenario, or try our online Product Selector tool for an indicative offer in under 5 minutes.

Best yet, it's free and won't impact their credit score.

Say yes to more people

Every client’s situation is unique, so whether they’ve experienced an unexpected life event, started a business or perhaps they're looking to leverage existing home equity, we have a range of options. Our home loan product caters to:

  • Self-employed borrowers
  • Refinancers
  • Property investors
  • First home buyers
  • Real life events
saying yes to more people

Information is correct as at 4 June 2024 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.

1Variable interest rate promotion (Promotion) applies to select LVRs for new Near Prime Clear and Near Prime home loan applications. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00 am AEST 4 June 2024 and 11:59 pm AEST 15 August 2024.

*Before using Pepper Product Selector, it is important to ensure you have received your customer’s written consent to act on their behalf as an Access Seeker. Applications are subject to the credit assessment, eligibility criteria and lending limits.

An indicative offer is not a formal approval for a loan and financial commitments must not be entered into based on it. It is not a suggestion or recommendation of any particular loan product. It is a guide only based on the limited information provided and the credit score obtained. The actual interest rate and fees will depend on the borrower’s circumstances and the information verified during the loan application assessment.

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