Our Home Loan Options
Find your clients' fit with our wide range of home loan options
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.
1% for select scenarios.
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 June 4th 2025.
No occupation restrictions - prime eligibility criteria applies.
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
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
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
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)
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
Tools to help you
Rates & Fees
View our home loan rates, options and fees.
Tools & Calculators
Calculate estimated serviceability, LPF, see where we lend or order a valuation.
Documents Library
Find the forms you need to apply for and manage your clients' Pepper Money home loan.
Product Updates
Check out the latest product offers and credit policy changes from Pepper Money.
