Products and Rates
Flexible range of real life home loan options
- One application, multiple solutions
- Various loan purposes accepted
- Alt doc loan options available
Range of real life home loan options
We take a flexible approach to credit assessment. This means we look beyond just a black-and-white answer to your client’s application. If we can help, we will.
All our home loan options offer the same flexibility:
- Fixed interest rate options for 2,3,5, 7 or 10 years
- Up to 95% LVR for purchases
- Alt Doc applications accepted
- Non-genuine savings accepted
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
Pepper Near Prime
For those who need greater flexibility and may be recently self-employed.
- Unlimited defaults, judgements and writs $1,000, listed 24 months (Near Prime Easy)
- Acceptance of discharged from bankruptcy from one day (Near Prime Easy)
- 1 year's tax return accepted (Near Prime Clear)
- 1 form of income verification (Near Prime Clear)
- 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 bsiness and ATO debt
- Cash out available for business use
Fixed rates
Lock-in your clients’ repayments for 2-10 years.
Our rate card
Our risk-based pricing means we have rates for a range of circumstances.
Work out your clients fit
Submit a scenario
Complex scenario? Send it to a BDM and hear back within 24hrs.
Serviceability calculator
Check how much your client could comfortably afford to repay.
Documents Library
Access the forms you need to apply for and manage your clients' Pepper Money home loan.
Product Updates
Information on the latest pricing and policy changes from Pepper Money.
Get a quicker answer with Product Selector
Find your clients fit in under 5 minutes. Best yet, it’s free and won’t impact their credit score.
Find your BDM
Have a question about our solutions, or trouble accessing PPS? Reach out to one of friendly Pepper Money BDMs.
