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Pepper Money home loans

Pepper Money has home loan rates starting from 6.84%.

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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.

Compare Pepper Money home loans for June 2024

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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest45% min. depositOwner-occupierOffset account
Interest Rate
Comparison Rate
Application: $599
Ongoing: $10 per month
Monthly Payment
Principal & Interest45% min. depositOwner-occupierOffset account
Interest Rate
Comparison Rate
Application: $599
Ongoing: $10 per month
Monthly Payment
Principal & Interest15% min. depositOwner-occupierOffset account
Interest Rate
Comparison Rate
Application: $599
Ongoing: $10 per month
Monthly Payment
Principal & Interest30% min. depositOwner-occupierOffset account
Interest Rate
Comparison Rate
Application: $995
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest20% min. depositOwner-occupierOffset account
Interest Rate
Comparison Rate
Application: $995
Ongoing: $15 per month
Monthly Payment
Showing 5 of 10 results

Pepper Money key facts

  • Pepper Money is a non-bank lender with businesses in Australia and New Zealand.
  • Pepper Money offers home loan products for owner-occupiers and investors.
  • This lender also offers other financial products such as car loans, loans for professional equipment, commercial loans and personal loans.
  • As a non-bank lender, Pepper Money offers flexible loans and state that they "may be able to help when others can't". This means they consider offering loans to those with low credit, those who are self-employed and they offer low-doc loans.

Pepper Money home loan features

Here are the key features and details you need to know about Pepper Money's mortgage products.

Minimum depositIt is possible to get a home loan from Pepper Money with a deposit as low as 5%.
Offset accountYou can get an offset account with several Pepper Money loans.
Alternative loansPepper Money offers loans to a wide range of borrowers that major banks may not normally service, such as those with poor credit ratings or self-employed borrowers with limited documentation. These loans generally come with a higher interest rate than you'd pay at a normal bank.
Repayment optionsMost 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.

How do I apply for a mortgage from Pepper Money?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • 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:

πŸ“„ 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.

πŸ“„ Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

πŸ“„ Proof of income documents. Recent payslips can establish your income.

πŸ“„ Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tiimely. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

More guides on Finder

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34 Responses

    Default Gravatar
    SassyFebruary 23, 2023

    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.

      RichardFebruary 27, 2023Finder

      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,

    Default Gravatar
    robynJanuary 5, 2022

    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

      RichardJanuary 11, 2022Finder

      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.


    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.


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