Pepper Money Home Loans

Compare Pepper Money home loan rates for January 2021.


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On this page you can find information about Pepper Money home loans. Skip ahead to the full table of products or read more about the lender.

Compare Pepper Money home loans

Compare Pepper Money home loan products below and hit "load more" to see a fuller selection of loans. "Enquire now" will open up a form where you can leave your details and get in touch with a mortgage broker, who can help you get more information about this loan and compare other, similar products.

Data indicated here is updated regularly
Name Product Interest Rate (p.a.) Comp. Rate^ Application Fee Ongoing Fees Max LVR Monthly Payment
Pepper Money Essential Prime Alt Doc Home Loan
$10 monthly ($120 p.a.)
A competitive rate home loan with an offset facility for self-employed borrowers.
Pepper Money Essential Prime Full Doc Home Loan
$10 monthly ($120 p.a.)
Borrowers with a good credit history can get this variable rate home loan with a 15% deposit. Extra repayments allowed.
Pepper Money Essential Prime Full Doc Home Loan
$10 monthly ($120 p.a.)
This is a competitive, flexible variable rate suitable for borrowers with a good credit history. Borrow up to 80%.

Compare up to 4 providers

Pepper Money lender profile

  • Pepper Money is a non-bank lender specialising in helping self-employed borrowers and borrowers who've had some rough patches in their credit history.
  • While Pepper is a homegrown brand, it has expanded to be a global credit provider, with offices in Spain, South Korea, Ireland and the UK.
  • If you can get together a 10% deposit and aren't currently bankrupt, Pepper Money can offer you the opportunity to get a home loan or to consolidate your debts into a new home loan.

How do I apply for a Pepper Money mortgage?

Clicking "Enquire now" on Pepper Money comparison table lets you get in touch with a qualified mortgage broker whose lending panel includes Pepper Money and many other lenders. They can offer you free advice and guidance on the product you're interested in.


Each Pepper Money product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Pepper Money you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, 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).
  • Note that if you're bad credit or low doc borrower you will probably need to supply alternative documents.

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

More guides on Finder

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)

Get a competitive variable interest rate with no application fee or ongoing fees.

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30 Responses

    Default Gravatar
    GeofFebruary 23, 2016

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

      Avatarfinder Customer Care
      BelindaFebruary 24, 2016Staff

      Hi Geof,

      Your welcome.

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


    Default Gravatar
    GeofFebruary 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

      Avatarfinder Customer Care
      BelindaFebruary 23, 2016Staff

      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.


    Default Gravatar
    GregJuly 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,

      Avatarfinder Customer Care
      BelindaJuly 8, 2015Staff

      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.


    Default Gravatar
    MegJune 11, 2015

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

      Avatarfinder Customer Care
      BelindaJune 12, 2015Staff

      Hi Meg,

      Thanks for reaching out.

      You’ve come through to 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.


    Default Gravatar
    DanielaMay 28, 2015


    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

      Avatarfinder Customer Care
      BelindaJune 1, 2015Staff

      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.


    Default Gravatar
    LeonieMay 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.

      Avatarfinder Customer Care
      MarcMay 18, 2015Staff

      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.


    Default Gravatar
    belindaMay 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.

      Avatarfinder Customer Care
      BelindaMay 27, 2015Staff

      Hi Belinda,

      Thanks for your enquiry.

      As 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.


    Default Gravatar
    drewMay 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


      Avatarfinder Customer Care
      BelindaMay 26, 2015Staff

      Hi Drew,

      Thanks for your enquiry.

      As 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.


    Default Gravatar
    catherineMarch 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.

      Avatarfinder Customer Care
      ShirleyMarch 30, 2015Staff

      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.


    Default Gravatar
    jeetenMarch 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

      Avatarfinder Customer Care
      ShirleyMarch 23, 2015Staff

      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.


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