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How we picked theseHere 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).
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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.
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Can I please talk to a Pepper Loan’s person?
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
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
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.
Thanks,
Belinda
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.
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.
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.
Hi Belinda,
Thanks for your enquiry.
You may be interested to compare home loans for Centrelink recipients. 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.
I hope this helps.
Thanks,
Belinda
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
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