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. |
| Alternative loans | Pepper 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 options | Most 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).
Find a better home loan
Take our easy quiz and start saving.
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Read our detailed review of reverse mortgage lender Household Capital.
We compile the average home loan interest rates in the market and update them monthly.
Your guide to home loan offers from First Option Bank.
Compare current bank interest rates for home loans, credit cards, personal loans, savings accounts and term deposits to find the best deal for you.
Illawarra Home Loans is a Wollongong mortgage broker that has been arranging home loans since 1989.
Searching for a home loan for contractors? When you don't earn a regular wage, find out how you can still get a home loan.
Find the cheapest home loan rates and learn how to decide which one best fits your needs and will save you the most money.
Find a great deal on a variable interest rate home loan from lenders large and small. Start comparing and saving today.
Learn how to compare rates to find the best home loan and start saving money on your mortgage today.
Compare conveyancing services to find a professional who can help you manage the legal side of buying or selling a property.
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