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Review by
Rebecca Pike is Finder's senior writer for money. She joined Finder after almost four years writing for business publications in the mortgage and finance industry, including three years as editor of Mortgage Professional Australia. She regularly appears as a money expert on programs like Sunrise and Today, as well as across radio and newspapers. She also holds an ASIC-recognised Tier 1 Generic Knowledge certification.
Pepper Money’s alt doc home loan is a great solution for borrowers who might not be eligible for a mainstream loan because of how they are paid. Typically, anyone who can’t provide regular payslips can struggle to be approved for a home loan. That includes anyone who is self-employed or who works as a contractor or in the gig economy.
Pepper Money’s alt doc home loan takes away that barrier. You might expect to pay more in the way of interest rates, but you can still access great home loan features like redraw and an offset account.
The loan also comes with a number of fees, so be sure to consider the true cost of the loan by looking at the comparison rate.
LVR | Maximum Loan Amount |
---|---|
80% | $1,000,000 |
75% | $1,500,000 |
70% | $1,000,000 |
If you would like to apply or find out more information about this home loan, please fill out the form on the right of this page. After you've filled in the enquiry form a Private Account Manager will call you at a time that suits you.
Pepper Money advises that you control the length of the process. The sooner that you can supply all the required documentation on the checklist, the quicker you can get a response on your application. Note that a valuation is required before you're approved for a home loan.