Here's some new season game changers

Published: 19 Feb 2026
Read time: 2 min

Here are some changes to our really helpful loan options that you need to know, which are designed to give you opportunities to say yes more often, effective 19 February 2026.

More options on the table: High-density and units

Got clients trying to crack the market or investors chasing their next play? Now they’ve got more room to move. They can now: 

Borrow up to 80% LVR up to $1.5m
for high-density units 
Purchase up to 6 strata-titled dwellings
in a single complex. 

Here’s a play - streamlined income docs 

For clients with a clean credit history, you now only need 1 year’s tax return and notice of assessment for the following Non-Conforming Full Doc Home Loan options: 

ABNs from 24 months – Near Prime Clear
ABNs from 12 - 24 months – Near Prime

Information is correct as of 19 February 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. 

 © Pepper Money Limited ABN 55 094 317 665; AFSL and Australian credit licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647. 

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