Pepper Money

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Founded: 2001

Lender Type: Specialist Lender

Owned by: ASX Listed

The leading specialist lender in Australia, Pepper Money has expanded to become a global player. With a focus on helping borrowers who are turned down by traditional banks and LMI providers, Pepper Money offers competitive products to niche borrowers with a good credit history. This lender has won multiple awards for their high level of service and for being one of the best lenders for self-employed borrowers around.

Key Benefits

Competitive rates and common sense lending
Great options for self-employed borrowers
Can qualify even with bad credit


High-risk fee
Borrowing limits
No branch access

Home Loan Products

Compare Home Loans

Home Loans Description

Pepper Essential

As long as you have been a responsible borrower in the past and can boast a clean credit history, you are in good standing to apply for Pepper Essential, a low variable rate home loan. It comes with a 100% interest offset account, you can split your loan, and take advantage of redraw when you’ve built up extra funds. If you have existing high-interest debts, you can use this loan to consolidate up to four different debts. Self-employed? No problem. You can use alternative forms of income verification.

Pepper Easy

Applying for a home loan can be overwhelming, even more so for those who have less than perfect credit. Pepper Easy takes the worry out of the process. You can qualify even if you have had credit issues in the past. Also, there are no limits on how long you’ve been employed – nor do you have to worry about the sometimes very stringent approval policies of a third party LMI provider. Breathe a sigh of relief, this common sense loan product comes with a relatively competitive rate.

Pepper Advantage

Whether you need a lender who will accept alternative income verification or your very recent default, this home loan product is for you. You’ll still get a decent interest rate as well as flexibility such as a split loan facility, the ability to consolidate your debts, and a 100% interest offset sub account. Also, you won’t have to worry about LMI approval from a third party. You’ll pay risk fees to Pepper Money instead.

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