We live our mission: to help you succeed and we're always looking for innovative ways to deliver accessible education to you.
Our Video Explainer Series is designed to do just this. From market outlook, to self-employed home loans - our content is designed to answer the key questions being asked by customers as they navigate the new normal.
Education Hub
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Refinancing
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Debt Consolidation
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Interest Rates
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Home Loan Interest Rates
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Adverse Credit
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Brokers
How we can help with refinancing
Is your home loan still working for you? If you think it might be time for a change then you might want to think about refinancing. We discuss the options available to you.
What is a debt consolidation home loan?
Bills piling up? Consolidating your existing debts could help you manage your money more effectively through a single monthly payment.
Why are interest rates going up?
After a few years of unprecedented low interest, rates are on the rise. We look at why this is and touch on the market outlook into 2023 and beyond.
What can I do about my HL interest rates going up?
With interest rates on the rise it's a tough time of year for many Aussies. At times like these it's important to understand all the options available to you.
What to do when you've been turned down by a bank
Having a home loan application declined happens to many people every year. But you don’t have to give up at the first no - there's often still a way forward. We look at the options available.
Helping you buy your first home sooner
Talk through your situation with us
We look beyond just your credit score
Gifted deposits accepted
Borrow up to 95% of the property value
Borrow up to 85% with no Mortgage Insurance (LMI)
90 day loan approval
What does a broker actually do?
Choosing the right home loan can almost be as tricky as finding your dream home. We discuss how a mortgage broker can help you understand your options.
Mortgages made for small business owners
Cash-out up to 80% LVR; including for business use
Borrow up to 95% of the property value for purchases
Talk through your situation with us
Consolidate unlimited debts, including ATO debts
We look beyond just your credit score
6 months GST and ABN registration
How Pepper Money can help
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Asset Finance
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Self-Employed
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Investors
What is Asset Finance?
We understand that for your business to stay competitive, investing in the right equipment can be crucial - this is where Asset Finance comes into play.
We answer the key questions around financing personal and business equipment.
Add asset finance key points
Talk through your situation with us
We look beyond just your credit score
Get a quick response within 48 hours
Borrow up to 95% of the property value
Additional income sources considered
90 day loan approval
What can Pepper Money offer self-employed borrowers?
Self-employed, or a small business owner and looking to buy a home? We take a look at the options available to you.
How can Pepper Money help investor loan customers?
Whether you’re thinking of dipping a toe into the property investment pool or looking to grow your well-established portfolio, you’ll need an investment property loan.
We discuss the options available to investors.
Make refinancing work for you
- Cash-out up to 90% LVR; including for renovations
Borrow up to 90% of the property value
Deal directly with a decision-maker
Consolidate unlimited debts and improve your cash flow
We look beyond just your credit score
Additional income sources considered
Your Loan, Your Rate
What others ask about our home loans
Here's what other savvy home buyers are frequently asking us. If you're still stuck for help, then why not check out all of home loan FAQs.
This is a calculation based on your total income, expenses, current credit exposure and your credit history. You can estimate your borrowing capacity in under 5 minutes using our home loan calculator - it’s quick, easy and won’t impact your credit score.
Different lenders charge different upfront and ongoing monthly fees, which should be factored in when saving your deposit. Some of these can be added to your loan balance, while others will need to be paid upfront – fees include establishments or application fees, and risk or mortgage insurance fees. Other smaller fees will be added to your balance each month.
You can view a summary of our home loan fees.
You’ll also need to pay solicitor fees along with local and state government taxes and levies. These can’t be added to your loan balance and are usually paid upon settlement.
The interest rates tend to vary for each individual, depending on a range of factors:
- The amount you need to borrow against the property value; known as the Loan-to-Value Ratio (LVR)
- The size of your deposit
- Your income
- Credit history
- Any assets you own
- Any liabilities or credit obligations
- Chosen repayment type – paying off interest-only, or principal and interest
- The purpose of the loan – if it’s for an owner-occupier or investment property
You can find out what interest rate you might be eligible for in under five minutes using our home loan interest rate calculator. It’s quick, easy and won’t impact your credit score.
Yes – in fact, we partner with over 15,000 accredited mortgage brokers across Australia.
Need some help with your home loan?
Whether you’re confused about the purchase process, wondering what LMI or LVR mean, or are looking for help along the way, our resources are here to make sense of all that finance jargon.
What our customers think about us
The important legal bits
Information and interest rates are correct as of 15 February 2024 and subject to change at any time.
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, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Offers may be continued, withdrawn or changed at any time without notice.
~Pepper Money’s fixed interest rate promotion is only available for new home loan applications not previously submitted. Applications must be submitted between 12:00am AEST 17 April 2023 until 11:59pm AEST 12 May 2023 and formally approved by 5:00pm AEST 19 May 2023 (Promotion Period). A fixed rate lock application form will need to be submitted prior to 19 May 2023 to lock in the applicable fixed interest rate for 90 days, otherwise the fixed interest rate at settlement will apply. Home loan applications submitted after 12 May 2023 will be offered the current interest rates then applicable. Offer is not available to existing Pepper Money home loan borrowers. This offer is subject to change, and may be varied or withdrawn at any time.
#There is a non-refundable, minimum fee of $750 per home loan application payable at settlement to lock in a fixed interest rate for 90 days. For home loan balances greater than $500,000, the rate lock fee is 0.15% of the fixed interest rate loan balance at settlement. For example, for a fixed rate loan amount of $600,000 the rate lock fee will be $600,000 x 0.15% = $900. The lesser of the fixed interest rate at settlement or the applicable locked in fixed interest rate will be applied at settlement. The rate lock fee will be charged at settlement even if interest rates decrease after the rate lock request has been approved.
* Our interest rates:
Pepper Money variable interest rates range from 6.84%p.a.-12.19% p.a. (Comparison rates range from 7.02%p.a.-12.34%p.a.^) View all variable rates »
Pepper Money 2 year fixed interest rates range from 6.84%p.a.-12.19%p.a (Comparison rates range from 7.02%p.a.- 12.27%p.a.^). View all fixed rates » .
The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.
^ Comparison rate is calculated based on a secured loan of $150,000 and a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Visa Debit card is issued by Indue Limited ABN 97 087 822 464 and distributed by Pepper Finance Corporation Limited ACN 094 317 647 and/or through Pepper Money accredited mortgage brokers. Refer to the Conditions of Use and Target Market Determination (TMD).
