Pepper Money Home Loans

Rates and Fees verified correct on December 10th, 2016

Pepper MoneyWith a deposit as low as 10%, Pepper Money can offer a financial solution no matter what your individual circumstance.

A negative mark on your credit file doesn't have to exclude you from financial solutions. Pepper Money is a leading specialist lender offering home loans for prime and non-conforming borrowers who are employed on Pay As You Go (PAYG) or self-employed.

If you have negative credit listings on your file but can come up with a 10% deposit and you're not currently bankrupt, Pepper Money can offer you the opportunity to get a home loan or to consolidate your debts into a new home loan.

Want to speak to a lending specialist?

No matter what type of home loan you are looking for Pepper Money will try to find the right option for you. Fill in the form below and a lending specialist from Pepper Money will be in touch to discuss what home loan options they might be able to offer you.

Enter in your details to speak to a lending specialist from Pepper Money about a home loan

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Pepper Home Loans Logo

Pepper Money is a well-established global credit provider offering specialist and self-employed home loans.

It caters to a wide range of home loan needs including refinancing for cash out or to consolidate debt to purchasing with a less than perfect credit history.

Pepper Money understands that every person has unique circumstances and therefore they individually assess each application.

Fill out the basic details required in this form and you’ll be put into contact with a lending specialist from Pepper Money within one business day to discuss your options.

Pepper Home Loans Lender Logos

Compare Pepper Money home loans

Rates last updated December 10th, 2016
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Loan purpose
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Pepper Money Essential Full Doc Home Loan - LVR up to 55%
A low rate home loan which rewards those with a larger deposit.
4.04% 4.23% $599 $10 monthly ($120 p.a.) 55% More info
Pepper Money Essential Full Doc Home Loan - LVR >55% up to 65%
A competitive rate plus the ability to split your rate up to four times.
4.20% 4.39% $600 $10 monthly ($120 p.a.) 65% More info
Pepper Money Essential Full Doc Home Loan - LVR >65 up to 70%
Get rewarded with a low rate for a deposit of at least 20%.
4.24% 4.43% $599 $10 monthly ($120 p.a.) 70% More info
Pepper Money Essential Full Doc Home Loan - LVR >70% up to 75%
A home loan with redraw facility and split rate options.
4.30% 4.49% $599 $10 monthly ($120 p.a.) 75% More info
Pepper Money Easy Full Doc Home Loan - LVR Up to 60%
A simple loan for those with a clean credit file for the past 24 months.
5.39% 5.77% $995 $15 monthly ($180 p.a.) 60% More info
Pepper Money Easy Full Doc Home Loan - LVR 60% to 65%
Purchase a property or refinance. Must have a clean credit file for the last 24 months.
5.39% 5.77% $995 $15 monthly ($180 p.a.) 65% More info
Pepper Money Easy Full Doc Home Loan - LVR 65% to 70%
Enjoy extra repayments with no penalties and a rate reduction if you make your payments on time for 12 months.
5.49% 5.90% $995 $15 monthly ($180 p.a.) 70% More info
Pepper Money Easy Full Doc Home Loan - LVR 70% to 75%
A competitive home loan with redraw facility designed for those with a clean credit file for the last 24 months.
5.69% 6.12% $995 $15 monthly ($180 p.a.) 75% More info
Pepper Money Easy Full Doc Home Loan - LVR 75% to 80%
Unlimited defaults, judgements and writs registered greater than 24 months before applying.
5.74% 6.17% $995 $15 monthly ($180 p.a.) 80% More info
Pepper Money Easy Full Doc Home Loan - LVR 80% to 85%
Make additional repayments and access them again through the redraw facility.
6.40% 6.87% $995 $15 monthly ($180 p.a.) 85% More info
Pepper Advantage Full Doc Plus Home Loan - LVR 75% to 80%
A home loan available for those who are credit impaired.
7.29% 7.79% $995 $15 monthly ($180 p.a.) 80% More info
Pepper Money Advantage Full Doc Plus Home Loan - LVR 70% to 75%
This loan considers borrowers with some negative credit listings.
7.04% 7.51% $995 $15 monthly ($180 p.a.) 75% More info
Pepper Money Advantage Full Doc Plus Home Loan - LVR 65% to 70%
A home loan designed to give those with impaired credit a chance.
6.54% 6.98% $995 $15 monthly ($180 p.a.) 70% More info
Pepper Money Advantage Full Doc Plus Home Loan - LVR 55% to 65%
A home loan for the credit impaired with redraw facility.
5.99% 6.42% $995 $15 monthly ($180 p.a.) 65% More info
Pepper Money Advantage Full Doc Plus Home Loan - LVR 55%
A flexible home loan which will help those with certain credit file issues.
5.89% 6.30% $995 $15 monthly ($180 p.a.) 55% More info
Pepper Money Advantage Full Doc Home Loan - Standard LVR 85% to 90%
A home loan for those who fall outside of regular bank lending criteria.
8.20% 8.74% $995 $15 monthly ($180 p.a.) 90% More info
Pepper Money Advantage Full Doc Home Loan - Standard LVR 80% to 85%
Make extra repayments towards your loan, available to those with impaired credit.
7.15% 7.68% $995 $15 monthly ($180 p.a.) 85% More info
Pepper Money Advantage Full Doc Home Loan - Standard LVR 75% to 80%
A home loan which can be used for debt consolidation, purchasing and refinancing.
6.80% 7.27% $995 $15 monthly ($180 p.a.) 80% More info
Pepper Money Advantage Full Doc Home Loan - Standard LVR 70% to 75%
Get a discount on your rate for having a larger deposit.
6.60% 7.04% $995 $15 monthly ($180 p.a.) 75% More info
Pepper Money Advantage Full Doc Home Loan - Standard LVR 65% to 70%
A home loan which considers those with impaired credit.
6.14% 6.55% $995 $15 monthly ($180 p.a.) 70% More info
Pepper Money Advantage Full Doc Home Loan - Standard LVR 55%
Purchase a home even if you have negative listings on your credit file.
5.44% 5.82% $995 $15 monthly ($180 p.a.) 55% More info
Rates last updated December 10th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Pepper Money Essential Alt Doc Home Loan - LVR up to 55%
A competitive rate offered to low doc borrowers.
4.54% 4.73% $599 $10 monthly ($120 p.a.) 55% More info
Pepper Money Essential Alt Doc Home Loan - LVR >55% up to 65%
Get a flexible loan even if you're self-employed.
5.04% 5.23% $599 $10 monthly ($120 p.a.) 65% More info
Pepper Money Essential Alt Doc Home Loan - LVR >70% up to 75%
Enjoy a home loan for self-employed borrowers with no genuine savings required.
5.34% 5.63% $599 $10 monthly ($120 p.a.) 75% More info
Pepper Money Easy Alt Doc Home Loan - LVR Up to 60%
Apply even with defaults, judgements and writs registered on your file greater than 36 months ago.
5.79% 6.17% $995 $15 monthly ($180 p.a.) 60% More info
Pepper Money Easy Alt Doc Home Loan - LVR 60% to 65%
A home loan for those who are low doc borrowers and have had a clean credit file for the last 36 months.
5.79% 6.17% $995 $15 monthly ($180 p.a.) 65% More info
Pepper Money Easy Alt Doc Home Loan - LVR 65% to 70%
This loan accepts low doc borrowers who have defaults, judgements and writs on their credit file as long as they were lodged greater than 36 months ago.
5.84% 6.25% $995 $15 monthly ($180 p.a.) 70% More info
Pepper Money Easy Alt Doc Home Loan - LVR 70% to 75%
Borrow with a deposit of at least 20% and get a rate discount.
6.05% 6.48% $995 $15 monthly ($180 p.a.) 75% More info
Pepper Money Easy Alt Doc Home Loan - LVR 75% to 80%
A competitive loan for self-employed borrowers who were credit impaired in the past.
6.05% 6.48% $995 $15 monthly ($180 p.a.) 80% More info
Pepper Money Advantage Alt Doc Plus Home Loan - LVR >55% up to 65%
A competitive rate offered to those who are self-employed and are credit impaired.
6.24% 6.68% $995 $15 monthly ($180 p.a.) 65% More info
Pepper Money Advantage Alt Doc Plus Home Loan - LVR 65% to 70%
A loan designed for those who have negative marks on their credit file.
6.84% 7.31% $995 $15 monthly ($180 p.a.) 70% More info
Pepper Money Advantage Alt Doc Plus Home Loan - LVR 70% to 75%
A home loan for self-employed borrowers who are credit impaired.
7.14% 7.64% $995 $15 monthly ($180 p.a.) 75% More info
Pepper Money Advantage Alt Doc Home Loan - Standard LVR 65% to 70%
Self-employed borrowers can enjoy interest only options and flexible repayments.
6.30% 6.74% $995 $15 monthly ($180 p.a.) 70% More info
Pepper Money Advantage Alt Doc Home Loan - Standard LVR 70% to 75%
This self-employed home loan allows borrowers to make free additional repayments.
6.80% 7.27% $995 $15 monthly ($180 p.a.) 75% More info
Pepper Money Advantage Alt Doc Home Loan - Standard LVR 75% to 80%
A self-employed home loan with four loan splits available.
7.04% 7.54% $995 $15 monthly ($180 p.a.) 80% More info
Pepper Money Advantage Alt Doc Home Loan - Standard LVR 80% to 85%
Interest only options and a redraw facility are offered on this home loan.
7.80% 8.34% $995 $15 monthly ($180 p.a.) 85% More info
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How can Pepper Money home loans benefit me?

  • Wide eligibility criteria. The home loans that Pepper Money offers suits a variety of people, as long as you can produce a 10% deposit and are not currently bankrupt. Whether you are self-employed, investing, are credit impaired or don't conform to the traditional lenders' lending criteria, Pepper Money can offer loans to people with previous lending defaults, judgements and writs against them. This can, in certain cases, include unpaid defaults.
  • Consolidate as many debts as you like. Most lenders only let you consolidate up to four debts. Pepper Money will let you consolidate as many as you like.
  • No Lenders Mortgage Insurance (LMI). There is no third party lenders mortgage insurance approval.
  • Flexible uses. A Pepper Money home loan may be used to pay outstanding ATO debts by tapping into the equity of your home.
  • You can apply from one day after you've been discharged. Pepper Money can consider your loan application one day after being discharged from bankruptcy. Most lenders will require that you've been discharged for a minimum of two years.
  • You need have been trading for a minimum of one year. If you're a business owner, most lenders will require two years' worth of your Business Bank Statement (BBS) or Business Activity Statement (BAS). Pepper Money only requires one.
  • You can still have unpaid defaults. You can have any number of defaults or judgements registered 12 months prior to your application, paid or unpaid.

How to apply for a home loan from Pepper Money

When you apply for a home loan with Pepper Money you can be sure that they will only lend what you can afford to pay. You can read more about Pepper Money home loans and compare them by clicking any of the links in the table above. This will take you to a review of the home loan, explaining who it suits, how to apply and more.

Am I eligible?

  • You need at least 10% deposit available
  • You are not currently bankrupt

What documentation would I be required to provide?

For a full doc loan:
  • PAYG - Last two pay slips plus either a letter of employment, latest group certificate, tax assessment notice or three months of bank statements
  • Self employed - Last two years' tax returns plus two years' tax assessment notice
For an alt doc loan:
  • Your ABN has been registered for 12 months
  • GST registered for six months
  • Declaration of financial position, plus six months of BBS, six months of BAS or Pepper Money Accountant's Letter. A Pepper Money Accountant's Letter is a template Pepper  Money provides your accountant to fill in and return.

Pepper Money's home loans have a variety of features and flexible criteria, so you can ensure you are getting a product that will suit your needs.

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This page was last modified on 9 September 2016 at 14:42.

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30 Responses to Pepper Money Home Loans

  1. Default Gravatar
    Geof | February 23, 2016

    thank you Belinda yes I have used the calculator I as hoping for information like deposits etc

    • Staff
      Belinda | February 24, 2016

      Hi Geof,

      Your welcome.

      I’ve sent you an email so I can better understand your situation.

      Regards,
      Belinda

  2. Default Gravatar
    Geof | February 23, 2016

    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

    • Staff
      Belinda | February 23, 2016

      Hi Geof,

      Thanks for reaching out.

      If you’d 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

  3. Default Gravatar
    Greg | July 7, 2015

    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,

    • Staff
      Belinda | July 8, 2015

      Hi Greg,

      Thanks for your enquiry.

      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.

      On this page, 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.

      Thanks,
      Belinda

  4. Default Gravatar
    Meg | June 11, 2015

    Can I please talk to a Pepper Loan’s person?

    • Staff
      Belinda | June 12, 2015

      Hi Meg,

      Thanks for reaching out.

      You’ve come through to finder.com.au which is an online comparison service. We don’t represent Pepper Home Loans or their products but if you need to refinance an existing home loan, you can fill out the form on this page.

      Alternatively, you can contact the Pepper Home Loans customer service team through the information provided on their website.

      Thanks,
      Belinda

  5. Default Gravatar
    Daniela | May 28, 2015

    Hi

    Can some one give me a call regarding a home loan as my hubby has a bad credit on his name due to not paying on time a credit card we would like to refinance

    • Staff
      Belinda | June 1, 2015

      Hi Daniela,

      Thanks for your enquiry.

      You can enter your details on this page to speak to a specialist from Pepper Home Loans to discuss your options about refinancing.

      You can also read more about how to apply for a home loan with bad credit on this page.

      Thanks,
      Belinda

  6. Default Gravatar
    Leonie | May 15, 2015

    I would like to talk to a Peppers Mortgage broker about obtaining a home loan with bad credit history.

    Can someone please give me a call.

    • Staff
      Marc | May 18, 2015

      Hi Leonie,
      thanks for the question.

      Filling out the form on this page will see a Pepper lending expert give you a call back within 1 – 2 business days.

      Cheers,
      Marc.

  7. Default Gravatar
    belinda | May 11, 2015

    we are looking at buying a block of land, I currently have a house loan of $147600 with $6000 available redraw. looking at refinancing the house to include the land amount of $45000. I am not working, but have centrelink and child support payments of $1700 a month, my partner is on an annual wage of $75000 but is currently 2 years and 2 months into bankruptcy.

    • Staff
      Belinda | May 27, 2015

      Hi Belinda,

      Thanks for your enquiry.

      As finder.com.au is an online comparison service, we cannot provide advice regarding your circumstances or eligibility for a loan.

      However, you may be interested to compare home loans for centrelink recipients and locate a list of mortgage brokers on this page.

      I hope this helps.

      Thanks,
      Belinda

  8. Default Gravatar
    drew | May 1, 2015

    I am looking to buy a new house with my partner ,

    We have just found out that he has 2 defaults.

    His mum is selling her house and moving in with us and is putting in $100000 as a gift we also have a existing mortgage with Westpac and they have just turned us down.

    We also have 80000 equity in our house .

    We have a lot of debts but selling our house will clear this these.

    we earn $130000 a year between us.

    can you help

    Drew

    • Staff
      Belinda | May 26, 2015

      Hi Drew,

      Thanks for your enquiry.

      As finder.com.au is an online comparison service, we cannot provide you with recommendation about your current situation.

      To discuss your options for a home loan with Pepper Home Loans, it would be best to speak with a mortgage broker or the lender directly.

      Thanks,
      Belinda

  9. Default Gravatar
    catherine | March 27, 2015

    Hi, I have a small default of $400 only. I have six children and I am married. My husband is self employed but only earns so far a net amount of around $24000. I am on government benefits. We own 30 acres with a weekender on it in Tara qld. I also own a share in a house in Laidley qld. We don’t have much deposit but have been told that we can use our land as equity. I know I can afford to repay a home loan due to paying rent and other loans but the banks won’t look at us. I really want to make my kids future better. Please are you able to help me buy a home. I would only require around $180000.

    • Staff
      Shirley | March 30, 2015

      Hi Catherine,

      Thanks for your question.

      To be eligible for a Pepper home loan, you need to have an existing home loan that you’re looking to refinance, plus have at least 10% deposit.

      If you find that none of these loans are suitable for your situation, there is always the option of speaking to a home loan broker. They’ll be able to help you further should need further help in narrowing down a suitable home loan option.

      Cheers,
      Shirley

  10. Default Gravatar
    jeeten | March 20, 2015

    my client have 20 % deposit but have a bad credit history but already paid off.

    he had a credit default do he still able to apply for home loan

    • Staff
      Shirley | March 23, 2015

      Hi Jeeten,

      Thanks for your question.

      Based on the information you have provided, he may be eligible for a home loan from Pepper.

      If you would like to discuss your eligibility or options, please get in touch with Pepper directly by filling in the form above.

      Cheers,
      Shirley

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