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’.

Submit a scenario
Brokers submit scenarios

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’.

Brokers submit scenarios
Submit a scenario

    

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.

Find out more

    

Submit your scenario

Leave your details below and one of our relationship managers will be in touch to answer your questions.

This information is to identify your account with this promotion. It will not be shared with any member you refer to Pepper Money in accordance with the Privacy Policy.

This information is to identify your account with this promotion. It will not be shared with any member you refer to Pepper Money in accordance with the Privacy Policy.

This information is to identify your account with this promotion. It will not be shared with any member you refer to Pepper Money in accordance with the Privacy Policy.

Personal information is collected, used and disclosed in accordance with 
Pepper’s Privacy Policy. 

Have supporting documentation you'd like to provide? Email scenarios@pepper.com.au 

    

Home Loans

profile

Who we can help? 

  • Self-employed
  • Investors
  • Refinancers
  • First home buyers
  • Company borrowers
  • Gig workers 
Credit policy

How we can help?

  • Debt consol / Refi tax and business debt
  • 6 ways to verify income
  • Range of income types considered  
Getting clients to say yes

What we can help with? 

  • Credit impairment
  • Up to 40 year loan terms
  • LVRs up to 95%
  • Loans up to $4m*
profile

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 

profile

Who we can help? 

  • Self-employed 
  • Investors 
  • Refinancers 
  • Company owners
Credit policy

How we can help?

  • Refi tax & business debt 
  • Full & Alt Doc options 
  • Loans up to $7m*
  • Credit impairment  
Getting clients to say yes

What we can help with? 

Range of security types:
  • Retail 
  • Vacant land 
  • Industrial units 
  • Specialised securities
  • and more
profile

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

profile

Who we can help? 

  • Residential property investors 
  • Commercial property investors 
Credit policy

How we can help?

  • No loadings for I/O loans. 
  • Loans up to $3m
  • Range of security types   
Getting clients to say yes

What we can help with? 

  • LVRs up to 80%
  • Refi existing SMSF loan  
  • Up to 30 year loan terms
  • Directors with defaults
profile

Feature that can help

  • No clawback for early repayment
  • Only $200k in assets required. 
  • Pre-approvals 
  • No liquidity requirements 

Construction Loans

profile

Who we can help? 

  • Self-employed 
  • Investors 
  • Refinancers 
  • First home buyers 
Credit policy

How we can help?

  • I/O during construction
    (up to 18 months)
  • Full & Alt Doc options
  • ABNs from 12 months
Getting clients to say yes

What we can help with? 

  • LVRs up to 95%
  • Prime & Near Prime options
  • Vacant land accepted
profile

Feature that can help

  • Redraw post construction
  • Capitalise fees (LVR limits apply)
  • Make extra repayments

Personal Loans

profile

Who we can help? 

  • Refinancers
  • Young and independent 
  • Families
Credit policy

How we can help?

Up to 4 loan purposes:
  • Debt Consol
  • Car purchase/repairs
  • Travel 
  • Home improvements 
Getting clients to say yes

What we can help with? 

  • Loans terms up to 7 years 
  • Rates based on client’s situation
  • Range of income accepted 
  • Joint applications
profile

Feature that can help

  • No fees 
  • Get clients’ rate before applying
  • Funds next business day 
  • Weekly or fortnight repayments 
Pepper Product Selector

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.
Try PPS

Information is correct as at 1 April 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.

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 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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