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Information and interest rates are correct as at 22 October 2023 and subject to change at any time. Offers and promotions may be continued, withdrawn, or changed at any time without notice.
* Offer applies to ‘New Build’ Prime, Near Prime and Specialist Full Doc home loan applications with LVR >80-85%. Available for Metro security locations only. A New Build is a property where the borrower has made a financial and legal commitment to buy in the form of a purchase contract with the builder, prior to the property being built or at an early stage in construction. This could be traditional ‘construction lending’ where the loan is disbursed in staged payments, or it could be a loan to finance the purchase of a property, which will be settled (in one payment) once the build is complete Or a newly-built entire dwelling completed less than six months before the mortgage application. The dwelling must be purchased from the original developer (the contract to buy at completion can be agreed while the building is still being constructed).
You are protected by responsible lending laws. Because of these protections, the recommendations given to you about home loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.
Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licenced financial or tax adviser.
All applications are subject to credit assessment, loan eligibility criteria and lending limits. Terms, conditions, fees and charges apply. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.
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Hear from our real-life customers
See how we helped Sara and Jason‡, self-employed borrowers knocked back by the banks, achieve their property goals.
Due to changes in the bank’s rules and criteria around self-employed individuals, Sara and Jason had to look for other home loan options. Pepper Money studied their portfolio, looking beyond rigid checkboxes, and helped them get the keys to their new house.
Hear from our real-life customers
When John‡ started his footy career, he got into property investing to make the most of his income. He built a portfolio to support his family.
John reached out to Pepper Money, a sponsor of the Wests Tigers, for help with refinancing his home loan. He wanted a lender who made the process simple, kept him updated, and provided options.
Hear from our real-life customers
After experiencing a divorce, Dan‡ kept getting knocked back by the bank when asking for a home loan due to his financial situation.
Despite his loyalty to the bank, he was looking for a lender that would give him a chance. We were able to get him back on track and buy his new home for him and his two young boys to enjoy.
Hear from our real-life customers
When Paula‡ moved to Perth, she aimed to buy a new home. However, banks rejected her home loan application due to her situation.
A mortgage broker introduced her to Pepper Money, showing that homeownership isn’t straight forward and requires the right financial partner.
Hear from our real-life customers
Life can throw unexpected challenges that make your dreams of buying a home feel unachievable.
Josef and his wife‡ are a real-life example. After moving to Australia, their financial situation led to the banks saying no to their home loan application. But with determination and support, they found a property, and their dream of buying a home became a reality.
Hear from our real-life customers
Steve always wanted an electric vehicle (EV), so we helped his partner Kayla‡ buy him one for his 30th birthday.
Kayla secretly put down a deposit and handled the paperwork. With Pepper Money’s support, everything was ready before Steve knew about it. On his birthday, Kayla gave Steve a toy car and the paperwork, making him the proud owner of an electric vehicle.
