We currently don't have that product, but here are others to consider:
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).
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.
Data from Finder's 2026 Home Loan Report shows more than 1 in 5 homeowners (22%) accessed their home equity in the past 12 months.
How much does the average Australian home buyer need to save for a house deposit?
Work out how much you need to earn to buy a house in any Australian suburb.
Here’s a breakdown of exactly what foreclosure means.
A guide to distressed property sales in Australia, including risks to be aware of and tips for buying distressed properties.
If you’re having trouble securing a home loan through traditional means, there are some government programs that might help you achieve your property goals.
Now that you've paid off your mortgage, find out how to finalise your home loan and where to invest your money next.
Pensioners can have a tough time getting a home loan because each lender treats pension payments differently. Here are some tips you can use to find out whether or not you could get a home loan.
Compare current bank interest rates for home loans, credit cards, personal loans, savings accounts and term deposits to find the best deal for you.
If you haven't sold your house yet, but want to buy your next one before the sale is completed a bridging loan may be able to help. Read on to discover how bridging finance can help.
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.
Hi Catherine,
Thanks for your question.
To be eligible for a Pepper home loan, you need to have an existing home loan that you are 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 an option of speaking to a home loan broker. They will be able to help you further in narrowing down a suitable home loan option for you.
Cheers,
Shirley
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
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.
Cheers,
Shirley
We have an interest only arm at 5%. Need to bring our monthly payment down. It is considered a jumbo loan.
Hi Bill,
Thanks for your question.
You can opt for a jumbo loan from Pepper if you’d like.
There are a number of loans under 5% available from Pepper home loan, but to eligible you’ll need at least 10% deposit.
Cheers,
Shirley
Can the 10% deposit be rolled into the home loan
Hi Bill,
Unfortunately the deposit cannot be rolled into the home loan and will need to be genuine savings.
Cheers,
Shirley
What is the interest rate for refinance , my personal file does not have any default my name is linked to deregistered company name that has a default.
Also I have excessive inquiries against my credit file
Hi Max,
Thanks for your question.
Pepper Home Loans assesses each application on a case-by-case basis as your interest rate is based on your creditworthiness.
You may compare Pepper Money home loans and select ‘Go to Site’ to head over to their website to apply.
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 is more inclined to review your application.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Cheers,
Shirley
My credit file is not very good, yet my wife is good.Would you recommend we get a home loan together, or would it be better for her to go alone
Hi Kevin,
Thanks for the question.
This is one strategy you could consider. 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 is more inclined to review your application.
You may also find our guide useful in applying for a home loan with bad credit.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
I hope this helps,
Marc