Home loans to suit the needs of Australian borrowers

Pepper is one of Australia’s leading non-bank lenders. We offer a broad range of simple, flexible and specialist home loan products to meet your needs.

At Pepper, we take the time to understand your situation. We will assess your application based on its individual merits and look for ways to ensure you meet your objectives and requirements. If you are self-employed, have past credit impairments, or simply don’t conform to traditional lending criteria – Pepper “CAN DO”.*

Pepper advocates and adheres to responsible lending practices. All of our home loan products are available via accredited mortgage brokers or by contacting us directly.

To find the best Pepper home loan for you, call one of our Private Account Managers on 1800 737 737 (Option 3) or send an email enquiry to direct@pepperhomeloans.com.au.




Whatever your needs... Our home loans are competitive And we’re reliable and secure…

Buying a new home

Purchasing an investment property

Cash out for business use

Refinancing your mortgage

Consolidating debt

No genuine savings required *

No Lenders Mortgage Insurance (LMI)

Flexible cash out policy *

Alternative income verification for the self-employed

Defaults, discharged bankrupts and arrears considered *

Unlimited debt consolidation *

Over 20 years of management experience

Currently servicing over 45,000 customers across Australia and New Zealand

Issued in excess of A$2.8 billion in Australian non-conforming mortgage-backed securities

Strong wholesale funding relationships with 3 of Australia’s 4 major banks

* subject to Pepper’s credit policy