Pepper Money is a non-bank lender. Pepper Money offers a range of home loans for Australian borrowers. Check out the full table of Pepper Money products below or read more about the lender.
Here are the key features and details you need to know about Pepper Money's mortgage products.
| Feature | Details |
|---|---|
| Minimum deposit | It is possible to get a home loan from Pepper Money with a deposit as low as 5%. |
| Offset account? | You can get an offset account with several Pepper Money loans. |
| Repayment options | Several Pepper Money home loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans. |
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
A home loan available to those with who are self-employed and have less than ideal credit histories.
The Pepper Money Essential Home Loan offers a competitive variable rate of interest that provides customers the ability to access available funds with no additional fees.
The Pepper Money Advantage Alt Doc Plus is a home loan designed to help self-employed borrowers who have negative credit histories.
Get a home loan even if you have defaults on your file. This loan ignores defaults under $1,000 and is available to self-employed borrowers who can't provide the regular amount of documents required with a full documentation loan.
The Pepper Money Advantage Alt Doc Home Loan is available to self employed borrowers for up to 40 years. It also has interest-only options available.
Compare the features and fees of the Flexi Advantage home loan range.
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Hi, Which lenders are best for home loans for long term income protection recipients with policy validity age 70, already paid for over 5 years.
Hi Sassy,
I suggest speaking to Pepper Money directly. At Finder we can help you compare loans and provide general information but we can’t assist with highly specific, personal inquiries.
Sorry we can’t be more helpful.
Kind regards,
Richard
could you please contact me re paying out a current loan with you and applying for a new home loan to which I will only need to borrow about one fifth of the property value – disability pensioner – moving interstate to be with family THANKS
Hi Robyn,
At Finder, we do not issue home loans ourselves. So we cannot help you with the specifics of a current loan you may have.
You can call Pepper Money at 137 377 to discuss your existing loan and if you wish to refinance it. Make sure you review their Product Disclosure Statements and Terms & Conditions before making a decision.
Cheers,
Richard
thank you Belinda yes I have used the calculator I as hoping for information like deposits etc
Hi Geof,
Your welcome.
I’ve sent you an email so I can better understand your situation.
Regards,
Belinda
I would like to know what costs i would need to buy a house, the amount is $150,000 its my 1st house and I am 52yo
Hi Geof,
Thanks for reaching out.
If you would like to estimate the costs of buying a property, you can use our property buying cost calculator. It’s also worth speaking to a licensed mortgage broker to ensure that you understand the full costs of purchasing and owning property.
Thanks,
Belinda
I have bad credit from a old visa card which i paid out and a AGL bill. I was wondering how hard will it be for me to get a home loan,
Hi Greg,
Thanks for your inquiry.
Although lenders have different eligibility criteria, it may be possible for you to still apply for a home loan even with a bad credit rating.
You can learn more about how to improve your chances of being approved for a home loan, and you can enquire with a lender to discuss your options.
I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that’s more inclined to review your application.
Thanks,
Belinda