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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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I am looking to purchase a home and looking at options
My situation
– paid off Part IX agreement 15 months ago
– deposit amount $20k
– open to purchase price of home
– first home buyer
Hi Jessica,
Thanks for the question.
While Part 9 Debt Agreements stay on your credit file for seven years, it may be difficult to obtain credit. You may consider comparing bad credit home loans or seek the services of a mortgage broker that 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.
I hope this helps,
Marc