Prime Home Loan promotion to help Full Doc clients.
You could save your clients thousands. Now that’s a flex.
Until 12 November 2026, your clients can access no LPF (similar to LMI) on select Prime Full Doc home loan option up to 90% LVR for residential properties*. No occupation restrictions.
Clients need more flex?
Income
- 100% overtime/bonus
- No debt-to-income limit
- OFI debts taken at actual repayments +25% buffer
- No notional rent
Capacity boosting
- Up to 40 year loan terms
- Interest only (max 5 years)
- 1% servicing buffer for select scenarios^
Credit history
- Paid defaults up to $500
- No credit scoring
Information is correct as of 21 August 2026 and is subject to change.
This content is for accredited Pepper Money brokers, introducers and intermediaries, including those applying for accreditation. It shouldn't be distributed to or relied upon by consumers.
Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Applications lodged after the Promotion periods 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 Promotions are subject to change and may be varied or withdrawn at any time.
^ Applicable to Prime and Near Prime Clear Home Loans up to 80% LVR for the purchase of an established investment property, or loans with a fixed interest rate across the entire loan (with cash out of up to $20k), or the refinance of an established owner-occupied or investment property, including debt consolidation (with cash out of up to $20k).
* Promotion applies to new Prime Home Loan (Full Doc) residential purchase applications in Cat 1 & 2 locations up to 80% LVR for loan amounts up to $2.5M, and 80%-90% LVR for loan amounts up to $1.5M. If the property type is a unit, then it must be ≥ 40SQM. Applications must be submitted and conditionally approved between 12:00am AEST 1 April 2025 and 11:59pm AEST 12 November 2026 (Promotion Period).
