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

Loan options 

From Prime to Specialist

Up to 95% LVR

Max LVR differs across loan options

Servicing buffer

2% Serviceability buffer.
1% for select scenarios. 

See how we rate! 

Self-employed clients not happy with their rate? We may be able to fix that.
We’ve dropped Prime Alt Doc home loan rates for a limited time^

    

Choice of variable or fixed rate home loan options

Variable rates benefits

  • No third party LMI.
  • 100% interest offset sub-account (fees apply).
  • Free online redraw.

Fixed rates benefits

  • 2, 3, 5, 7 and 10-year loan terms.
  • No break costs.
  • Unlimited extra repayments.

    

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

View product guide >

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

View product guide >

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)

View product guide >

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

View product guide >

    

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.

Information is correct as at 27 August 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.

*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.

^Prime Alt Doc promotion applies to new Prime Alt Doc home loan applications, for variable interest rates and 2–3-year fixed interest rates. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00am AEDT 15 October 2024 and 11:59pm AEDT 20 December 2024 and settle by 11:59pm AEDT 31 January 2025. Applications lodged after the promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time.

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