Welcome to Pepper

Pepper Australia Pty Ltd, along with its subsidiaries (individually and collectively known as “Pepper”) is one of Australia’s leading non-bank lenders.

At Pepper, our goal is to offer brokers and borrowers innovative products and services.

Our home loan products have been developed to meet the needs of borrowers who are unable to meet the lending criteria of traditional lenders and mortgage insurers.

We also specialise in servicing residential and commercial mortgages, third-party asset portfolios, equipment and auto leases, and unsecured loans.

The Pepper Team take a ‘CAN DO’ approach and look forward to working harder to offer you the best solution for your financial situation.


Pepper Essential
A basic 'Prime' home loan with a competitive variable interest rate and flexible repayment options.
Pepper Easy
A 'Near Prime' home loan for borrowers who have maintained a clean credit history for the last 2 years.
Pepper Advantage
A 'Specialist' home loan catering to borrowers who don't conform to traditional credit criteria.