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’.
No risk fees: your Prime Time Flex
Double the advantage with these Prime home loan offers, until 1 June 2026:
- Full Doc option: No LPF or risk fees up to 90% LVR for residential properties*
- Alt Doc option: No large loan fee (≥$1.75m) or Interest Only loading^
Have supporting documentation you'd like to provide? Email scenarios@pepper.com.au
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Home Loans
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Commercial Loans
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SMSF Loans
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Construction Loans
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Personal Loans
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?
Range of security types:
- 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?
Up to 4 loan purposes:
- 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
Find your clients’ home loan fit in under five minutes. With no impact on their credit score, you can get an indicative offer; including interest rate repayment and fee estimate, all by answering a simple set of questions about their situation*. It’s just like a digital BDM – available 24/7.
