Everything you need on our product features, rates, fees and submitting an application.


Product Guide and Rates

Product Guide

This guide provides details on the Pepper Money product suite whilst answering any FAQs you may have.

Rates & Fees

Compare all of our interest rates and fees in this quick guide.

Comparison Rate Schedule

Compare interest rates across our home loan options.

Pepper Money Quick Guide

A quick overview of Pepper Money home loans and how it can help your clients.

Servicing and Additional Lending Policies

View our lending policy.


Application Documents

Fast-track Application

Use the short application form for online lodgements.

Manual Application

Use the long application form for manual (non-electronic) lodgements.

Beneficial Owner Privacy Consent Form

To be signed by a Beneficial Owner authorising Pepper Money to hold and use their personal information in accordance with Pepper Money’s Privacy Policy.

Privacy Consent Form - Other Party

To be signed by persons who are not borrowers or guarantors of the loan, and not a beneficial owner of a trust, but who has provided personal documents to support a home loan application.

Fixed Interest Rate Lock Authority Request

To be signed by clients looking to lock in their fixed interest rate, once an application is formally approved.

Application Guide

Use the Application Guide for a checklist of what to include with a home loan application.

Access Nomination Authority Form

To be signed by corporate and trust borrowers looking to have access to online banking.


Non-Face-to-Face Applications

Auspost Land Title Identity Verification Form

Australia Post VOI form for non-face-face lodgement at any participating Australia Post retail outlet.

Verification of Identity Form

Compulsory for all non-face-to-face transactions

Digital Remote VOI – IDyou

Complete remote VOI for your customers with IDyou. Simply select the Pepper Money option in IDyou to send the report to Pepper.


Alt Doc Applications

Declaration of Financial Position

Required for all self-employed clients applying for an ‘alt doc’ loan.

Pepper Accountant's Letter Template

Where self-employed income is verified by a clients’ Accountant.


Security Acknowledgments

High Security Acknowledgment

This acknowledgement is required from customers who provide a higher ownership proportion of the security for a joint loan.

Joint & Several Liability Acknowledgement

This acknowledgement must be obtained from customers who only own a low proportion of the security provided for a loan.


Post Settlement Documents

Additional Advance Application

Complete this form if your client is looking to borrow additional funds for business or personal use.

Redraw Account Nomination, Cancellation and Request Information

This form is used to manage your customer’s redraw. Please note that sections 1 and 5 must be completed for all requests.

Direct Debit Request and Payment Options Information

These forms are used to provide a new nominated bank account and to set up your customer’s payment arrangements.


User Guides

Broker Centre Guides

Instructions on how to access Broker Centre and lodge applications electronically.

Credit Guide

Outlines Pepper Money’s obligations for providing credit and information on our dispute resolution scheme.

AML/CTF Originator Process Guide

Provides instructions for completing the Customer Identification Form.

Offset Sub-Account Fact Sheet

Contains the FAQ’s in relation to Pepper Money's offset sub-account.

BO CO and Settlor Process Guide

Process guide for brokers to identify Beneficial Owner, Control Owner or Settlor of Trust.

CoreLogic Property Hub User Guide

Instructions on how to access and use the hub to order a valuation.

Target Market Determinations

The target market determinations (TMDs) outline the likely objectives, financial situation, and needs of the target market for each of our products.

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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