Our Home Loan Options
Find your clients' fit with our wide range of home loan options
Red Hot Rates Package
Until 27 June 2024, get access to reduced rates for select LVRs and loan options1.
Plus, 2% servicing buffer and comprehensive policy options.
Plus, 2% servicing buffer and comprehensive policy options.
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
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
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
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
Tools to help you
Rates & Fees
View our home loan rates, options and fees.
Tools & Calculators
Calculate estimated serviceability, LPF, see where we lend or order a valuation.
Documents Library
Find the forms you need to apply for and manage your clients' Pepper Money home loan.
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.
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
