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! 

      Clients not happy with their home loan rate? See how we rate.
      We’ve dropped our Prime Full1 and Alt Doc2 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
       
      • 2 year financial statements for Full 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
      • Unlimited debt consolidation, excluding business & tax debt
      • 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
      • 1 form of income verification for Alt 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 5 March 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 withdrawn at any time.

      1Prime Full Doc promotion applies to new Prime Full Doc home loan applications, for variable interest rates up to 80% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00am AEDT 5 March 2025 and 11:59pm AEST 4 June 2025.

      2Prime Alt Doc promotion applies to new Prime Alt Doc home loan applications, for variable interest rates up to 80% LVR. 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 AEST 4 June 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.

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      Helping you assist all kinds of clients. Talk to us today.