Pepper Money Home Loans

Compare Pepper Money home loan rates for June 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.

Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Pepper Money Essential Prime Full Doc Home Loan
$10 monthly ($120 p.a.)
A low rate home loan which rewards those with a larger deposit.
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.

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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

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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

      Default Gravatar
      BelindaFebruary 24, 2016

      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

    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,

      Default Gravatar
      BelindaJuly 8, 2015

      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.


    Default Gravatar
    MegJune 11, 2015

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

      Default Gravatar
      BelindaJune 12, 2015

      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

      Default Gravatar
      BelindaJune 1, 2015

      Hi Daniela,

      Thanks for your enquiry.

      You can apply to the Pepper Money home loan products. Select ‘Go to Site’ to head over to their website.

      You can also read more about how to apply for a home loan with bad credit from our guide to bad credit home loans.

      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.


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