Home loan options that fit your client's needs

Power up your business with our really helpful webinars.

Discover emerging trends, learn from our inhouse experts and unlock the power of non-bank lending across Home loans, Commercial loans, SMSF loans and Personal loans.

Whether you’re just starting out or looking for a refresher, our webinars are quick, free and packed with actionable insights.

Home loans
Commercial loans
SMSF loans
Asset Finance
Personal loans

Home loan resource 1

Help your clients get their home loan sorted so they can focus on growing their business.

We don’t just look at the black and white boxes on the application. We make the effort to get to know the client – the person behind the application.

Comprehensive Credit Reporting for real‑life lending

Hear James O’Connell from Equifax break down the essentials of Comprehensive Credit Reporting, followed by Stephanie Daoud from Thinq Finance sharing practical tips for presenting real‑world client solutions.

Earn 1 CPD point for attending live

10 March | 1pm AEDT

Download notes»

Home loan resource 2

No problem. Catch up on some of our on-demand videos below. Or get in touch with your BDM to access a recording. It’s almost as good as being there.

Remember, the information shared in these webinars are for brokers only. They were accurate at the time of delivery. As credit policies, interest rates, and fees may change, please refer to the latest product documents for the most current details.

Comprehensive Credit Reporting for real‑life lending

Earn 1 CPD point for attending live

10 March | 1pm AEDT

Download notes»

Home loan resource 3

No problem. Catch up on some of our on-demand videos below. Or get in touch with your BDM to access a recording. It’s almost as good as being there.

Comprehensive Credit Reporting for real‑life lending

Earn 1 CPD point for attending live

10 March | 1pm AEDT

Download notes»

Case Studies

There are many reasons why your client may not fit the criteria of traditional lenders, but no matter their circumstances, with Pepper Money’s product ranges, you are likely to be able to find a possible solution.

View our Self-employed Case Studies

Commercial loan resource 1

Help your clients get their home loan sorted so they can focus on growing their business.

We don’t just look at the black and white boxes on the application. We make the effort to get to know the client – the person behind the application.

Comprehensive Credit Reporting for real‑life lending

Earn 1 CPD point for attending live

10 March | 1pm AEDT

Download notes»

Commercial loan resource 2

Help your clients get their home loan sorted so they can focus on growing their business.

We don’t just look at the black and white boxes on the application. We make the effort to get to know the client – the person behind the application.

Comprehensive Credit Reporting for real‑life lending

Earn 1 CPD point for attending live

10 March | 1pm AEDT

Download notes»

Commercial loan resource 3

Comprehensive Credit Reporting for real‑life lending

Earn 1 CPD point for attending live

10 March | 1pm AEDT

Download notes»

Invested in their success

Investing in property is an opportunity that could generate returns over time and play a significant role in helping to grow your client's wealth.

We get the level of thinking and planning that goes into in a venture like property investment. That’s why we keep things at our end as simple, streamlined and flexible as possible.

Profile

Multi-property investors
Professional investors
First time investors

Credit Policy

No limits on the number of security properties
No additional loading for professional investors
Non genuine savings up to 90% LVR
No debt-to-income limit
Debts from other lenders can be taken at actual payments with a 25% buffer
Inheritance and income from a trust accepted
No notional rent
Negative gearing accepted

Getting to yes

SLAs
- Home Loans: 1 business day
- Commercial: 3 business days
Direct access to credit
Single sign off for home loan and commercial applications
Fully digital applications

Case Studies

View our Investors Case Studies

Pepper Money policy: For first home buyers

Our BDM, Samantha Kyriakidis, discusses our flexible approach to lending for first home buyers.

Get their feet on the property ladder

They’ve saved their deposit and are looking forward to making themselves at home. It’s a big commitment with a lot of change. The good news is we’re here to make the move to home ownership as easy as possible.

Profile

Buying their first home with a gifted deposit
Getting onto the ladder with an investment property

Credit Policy

No risk fees up to 80% LVR
Non-standard income considered
Construction options
Approved FHOG lender
Loan terms up to 40 years
Credit impairment considered
Borrow up to 95% LVR

Getting to yes

Home Loans SLAs: 1 business day
Direct access to credit
Single sign off for home loan applications
Fully digital applications

Case Studies

View our First Home Buyers Case Studies

Pepper Money policy: For investor clients

Our BDM, Samantha Kyriakidis, discusses how our flexible approach to lending can benefit clients looking to invest.

Get life back under control

Real life happens and sometimes clients face unexpected hurdles. From a small change in circumstances through to big shifts, it can sometimes be tough for them to get on track.

We don’t think financial events in the past should hold them back from their financial future, which is why we offer home loan options for real people, and evaluate each application based off the person behind the numbers.

Profile

Dealing with divorce
Unexpected illness
Unexpected employment changes
Credit impaired
Bankruptcy

Credit Policy

No risk fee up to 85% LVR
Non-standard income considered
Construction options
Approved FHOG lender
Loan terms up to 40 years
Credit impairment considered
Borrow up to 95% LVR

Getting to yes

SLAs
- Home Loans: 1 business day
- Commercial: 3 business days
Direct access to credit
Single sign off for home loan and commercial applications
Fully digital applications

Case Studies

View Real Life events Case Studies

Our Home Loan Options

Find your clients' fit with our wide range of home loan options

Access Product Selector

Submit scenario

Information is correct as at 24 September 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 wothdrawn any time.

¹Loan Protection Fee promotion applies to new Prime Full Doc residential property 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 18 November 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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