Spring Growth

Updated: 14-11-2024

Recent data suggests that by 2028, 1 in 5 Aussies may need a non-bank solution1. That’s why, we’re growing your non-bank options so you can grow your business. 

Red hot fixed rate home loans

Don’t waste time ticking bank boxes. We’re dropping our fixed rate home loan loadings across all our loan terms and loan options – Prime to Specialist. Plus, with no break fees, it’s a no brainer. 

Fixed rates from

2 years
6.59% p.a.2 (6.97%p.a. comparison rate3)
3 years
6.64% p.a.2 (6.96% p.a. comparison rate3)
5 years
6.79% p.a.2 (7.00% p.a. comparison rate3)

Construction loans

Don’t say no to clients you could have helped. We’ve been building your construction loan options so you can grow your business. The best bit is that our rates start from 8.59% p.a.4 (8.80% p.a. comparison rate3) for loans from 55% LVR up to 70%.

New income verification options

Forget jumping through additional hoops to verify your client’s income. For a limited time, we’ll accept just 2 years’ notice of assessment on to demonstrate income on our Prime Full Doc option5. Offer ends 20 December 2024. 

Tax debt

It can happen to anyone. Don’t let it hold your clients back. Until 14 November 2024, when consolidating tax debt, your clients can access up to 55bps off our Near Prime Clear owner-occupied P&I home loan options up to 80% LVR6. Speak to your BDM to find out how you can access this offer.

Got a non-bank deal on your desk? Contact your Pepper Money BDM. 

For more information, including our full range of interest rates and fees, see our rate card. 
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Information is correct as of 14 November 2024 and is subject to change. Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. 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 Promotions are subject to change and may be varied or withdrawn at any time.  

1Schlesinger, L (2024), Non-bank lending worth $74b, could double in five years, Australian Financial Review, January 2.

2Prime fixed interest rates range from 6.59-9.24% p.a. (Comparison rates range from 6.97-9.34% p.a.3), Near Prime Clear fixed interest rates range from 6.99- 9.99% p.a. (Comparison rates range from 7.45-10.88% p.a.3), Near Prime fixed interest rates range from 7.39-10.04% p.a. (Comparison rates range from 7.85-10.18% p.a.3) and Specialist fixed interest rates range from 8.19-12.44% p.a. (Comparison rates range from 8.68-12.64% p.a.3).

3Comparison rate is calculated on a secured loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

4Prime construction loan interest rates range from 8.59 - 9.59% p.a. (Comparison rates range from 8.80 - 9.80% p.a.3) and Near Prime construction loan option interest rates range from 8.99 - 10.59% p.a. (Comparison rates range from 9.30- 10.91% p.a.3).

 5Income verifications promotion applies to new Prime Full Documentation home and construction loan applications. Applications must be submitted between 12:00 am AEST 27 August 2024 and 11:59 pm AEDT 20 December 2024.

6Tax debt promotion applies to new Near Prime Clear owner-occupies principal and interest repayment home loan applications up to 80% LVR. Offer does not apply to existing borrowers. Applications must be submitted between 12:00 am AEST 27 August 2024 and 11:59 pm AEDT 14 November 2024.

©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.

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