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What you've been asking for

Discover the changes we've been making to improve your experience with us.

Digital alt doc forms

A market-first innovation for alt doc lending, AltDoc Xpress streamlines the process of completing the Declaration of Financial Position and Accountant’s Letter digitally by your client and their accountant.

This is more than just a tech upgrade — it could be the gamechanger you’re after for self-employed clients. By digitising a historically manual process, we’re giving you greater control, helping to improve turnaround times, and enhancing the overall experience for everyone involved.

Find out more

No more missing docs

You can now send us your home loan application docs through the ApplyOnline documents tab. We’ve updated our system, so you can have confidence we'll receive them first go. Simply load them into the documents tab, hit upload, and you’re in.

Why it’s better than emailing?

It’s faster: no more waiting on us to upload them.
A secure way to send your docs with 2 factor authentication
100% delivery rate: Confidence we have your docs*

SMSF Alt Doc

You can now use alternative documentation to demonstrate income for your clients' SMSF loan. Available when fund only borrowing capacity doesn't meet minimum requirements, but member(s) plan to and have capacity to make additional ongoing contributions (in addition to current contributions).

What documentation can you use?

ABN registered for 24 months
GST registered for 12 months
Declaration of financial position plus one of the following:
- 6 months business bank statement
- 6 months BAS
- Pepper Money accountant’s letter

See Product Guide

Updates to our postcode and LPF calculator

Our postcode and LPF calculators have had a makeover with better functionality and a sleek new look. Plus, we’ve added construction loans to the postcode calculator for even more options.

LPF Calculator

Postcode Calculator

Post-indicator offer edits

You’ll find PPS has a fresh new look and feel, and more accurate outcomes. Plus, you can compare repayment options for fixed vs. variable rates and edit your inputs even after generating the indicative offer^.

Try PPS

Commercial & SMSF e-sign

To speed up the settlement process, we’ve revised our loan documentation to enable loan documents to be digitally signed by clients. Expect a simpler set of documents and no more wet signatures.

All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

*Subject to system availability

^An indicative offer is not a formal approval for a loan and financial commitments must not be entered into based on it. It’s not a suggestion or recommendation of any particular loan product. It’s 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. Applications are subject to the credit assessment, eligibility criteria and lending limits. Before using Pepper Product Selector, it’s important to ensure you have your customer’s written consent to act on their behalf as an Access Seeker.

^©Pepper Money Limited ABN 55 094 317 665; AFSL and Australian Credit Licence 286655 (“Pepper”). All rights reserved. Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.