Put it to the
non-bank test
Get a quick response from our scenarios team. They could tell you when a ‘no’ could be a ‘yes’.

Bank said no? Put it to the non-bank test
Get a quick response from our scenarios team. They could tell you when a ‘no’ could be a ‘yes’.

Prime time Flex bomb!
Up to 90% LVR1 with no LMI, no LPF and no risk fees!
On Prime Full Doc home loans for residential properties until July 24th 2025.
No occupation restrictions - prime eligibility criteria applies.
Submit your scenario
Leave your details below and one of our relationship managers will be in touch to answer your questions.
Have supporting documentation you'd like to provide? Email scenarios@pepper.com.au
Home Loans
Who we can help?
- Self-employed
- Investors
- Refinancers
- First home buyers
- Company borrowers
- Gig workers
How we can help?
- Debt consol / Refi tax and business debt
- 6 ways to verify income
- Range of income types considered
What we can help with?
- Credit impairment
- Up to 40 year loan terms
- LVRs up to 95%
- Loans up to $4m*
Feature that can help
- 1% servicing buffer
- Direct access to Credit team
- Fixed rates, no break fees
- Offset sub account & Redraw
* Across multiple securities. For single security loan amounts see our product guide.
Commercial Loans
Who we can help?
- Self-employed
- Investors
- Refinancers
- Company owners
How we can help?
- Refi tax & business debt
- Full & Alt Doc options
- Loans up to $7m*
- Credit impairment
What we can help with?
- Retail
- Vacant land
- Industrial units
- Specialised securities
- and more
Feature that can help
- No annual reviews
- Direct access to Credit team
- No clawback for early repayment
- Offset sub account & Redraw
* Across multiple securities. For single security loan amounts see our product guide.
SMSF Loans
Who we can help?
- Residential property investors
- Commercial property investors
How we can help?
- No loadings for I/O loans.
- Loans up to $3m
- Range of security types
What we can help with?
- LVRs up to 80%
- Refi existing SMSF loan
- Up to 30 year loan terms
- Directors with defaults
Feature that can help
- No clawback for early repayment
- Only $200k in assets required.
- Pre-approvals
- No liquidity requirements
Construction Loans
Who we can help?
- Self-employed
- Investors
- Refinancers
- First home buyers
How we can help?
- I/O during construction
(up to 18 months) - Full & Alt Doc options
- ABNs from 12 months
What we can help with?
- LVRs up to 95%
- Prime & Near Prime options
- Vacant land accepted
Feature that can help
- Redraw post construction
- Capitalise fees (LVR limits apply)
- Make extra repayments
Personal Loans
Who we can help?
- Refinancers
- Young and independent
- Families
How we can help?
- Debt Consol
- Car purchase/repairs
- Travel
- Home improvements
What we can help with?
- Loans terms up to 7 years
- Rates based on client’s situation
- Range of income accepted
- Joint applications
Feature that can help
- No fees
- Get clients’ rate before applying
- Funds next business day
- Weekly or fortnight repayments
Need an answer fast? Try Pepper Product Selector
Information is correct as at 5 June 2025 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.
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 wothdrawn any time.
1Loan Protection Fee promotion applies to new Prime Full Doc residential purchase applications up to 90% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00am AEDT 1 April 2025 and 11:59pm AEST 24 July 2025.
*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.