Our Home Loan Options
Find your clients' fit with our wide range of home loan options
Prime Home Loan
Pepper Prime
Our option for clients with a mostly clean credit history
- No third party LMI approval required
- Minor defaults under $500 may be accepted
- Non-genuine savings up to 90% LVR
- No limit for cash out for stated purpose (subject to loan size/LVR)
- Debt consolidation (4 debts)
- Vacant land accepted
- No third party LMI approval
Non Conforming Home Loan
Pepper Near Prime
For those who need greater flexibility and may be recently self-employed.
- 1 year's tax return accepted (Near Prime Clear)
- 1 form of income verification (Near Prime Clear)
- Unlimited defaults, judgements and writs $1,000, listed 24 months (Near Prime Easy)
- Acceptance of discharged from bankruptcy from one day (Near Prime Easy)
- Debt consolidation
- Cash out for personal and/or business use
- Payout of business and ATO debts
- 12 Month ABN (clean credit) accepted
- Cash out available for business use
Pepper Specialist
Tricky circumstances or life events? There’s still an option…
- Unlimited defaults, judgements or writs from 1 credit event, 12 months (paid or unpaid)
- Unlimited mortgage and non-mortgage arrears within the last 6 months
- 6 month ABN registration accepted
- Cash out for personal and/or business use
- Acceptance of discharged bankruptcy (from one day)
- Payout of business and ATO debt
- Cash out available for business use
Pepper Near Prime
For those who need greater flexibility and may be recently self-employed.
- 1 year's tax return accepted (Near Prime Clear)
- 1 form of income verification (Near Prime Clear)
- Unlimited defaults, judgements and writs $1,000, listed 24 months (Near Prime Easy)
- Acceptance of discharged from bankruptcy from one day (Near Prime Easy)
- Debt consolidation
- Cash out for personal and/or business use
- Payout of business and ATO debts
- 12 Month ABN (clean credit) accepted
- Cash out available for business use
Tools to help you
Products & Rates
View Pepper Money's products, interest rates and fees.
Tools & Calculators
Range of calculators and tools to help make the home loan application as simple as possible
Documents Library
Find links to the forms you need to apply for and manage your clients' Pepper Money home loan.
Product Offers
Check out the latest product offers from Pepper Money.
Bank said no? Give it the non-bank test
Not sure if you can help your client? We'll help you work it out. Find a home loan option by either contacting a BDM, submitting a scenario, or try our online Product Selector tool for an indicative offer in under 5 minutes.
Best yet, it's free and won't impact their credit score.
Best yet, it's free and won't impact their credit score.
