Documents
Everything you need on our product features, rates, fees and submitting an application.
Product Guides
Rates & Fees
Compare all of our interest rates and fees in this quick guide.
Pepper Money Niches
Discover who we can help and our unique approach to lending.
Comparison Rate Schedule
Compare interest rates across our home loan options.
Servicing and Additional Lending Policies
View our lending policy.
Application Documents
Fast-track Application
Use the short application form for online lodgements.
Manual Application
Use the long application form for manual (non-electronic) lodgements.
Beneficial Owner Privacy Consent Form
To be signed by a Beneficial Owner authorising Pepper Money to hold and use their personal information in accordance with Pepper Money’s Privacy Policy.
Privacy Consent Form - Other Party
To be signed by persons who are not borrowers or guarantors of the loan, and not a beneficial owner of a trust, but who has provided personal documents to support a home loan application.
Fixed Interest Rate Lock Authority Request
To be signed by clients looking to lock in their fixed interest rate, once an application is formally approved.
Application Guide
Use the Application Guide for a checklist of what to include with a home loan application.
Access Nomination Authority Form
To be signed by corporate and trust borrowers looking to have access to online banking.
Non-Face-to-Face Applications
Auspost Land Title Identity Verification Form
Australia Post VOI form for non-face-face lodgement at any participating Australia Post retail outlet.
Verification of Identity Form
Compulsory for all non-face-to-face transactions
Digital Remote VOI – IDyou
Complete remote VOI for your customers with IDyou. Simply select the Pepper Money option in IDyou to send the report to Pepper.
Alt Doc Applications
Declaration of Financial Position
Required for all self-employed clients applying for an ‘alt doc’ loan.
Pepper Accountant's Letter Template
Where self-employed income is verified by a clients’ Accountant.
Security Acknowledgments
High Security Acknowledgment
This acknowledgement is required from customers who provide a higher ownership proportion of the security for a joint loan.
Joint & Several Liability Acknowledgement
This acknowledgement must be obtained from customers who only own a low proportion of the security provided for a loan.
Post Settlement Documents
Additional Advance Application
Complete this form if your client is looking to borrow additional funds for business or personal use.
Redraw Account Nomination, Cancellation and Request Information
This form is used to manage your customer’s redraw. Please note that sections 1 and 5 must be completed for all requests.
Direct Debit Request and Payment Options Information
These forms are used to provide a new nominated bank account and to set up your customer’s payment arrangements.
User Guides
Broker Centre Guides
Instructions on how to access Broker Centre and lodge applications electronically.
Credit Guide
Outlines Pepper Money’s obligations for providing credit and information on our dispute resolution scheme.
AML/CTF Originator Process Guide
Provides instructions for completing the Customer Identification Form.
Offset Sub-Account Fact Sheet
Contains the FAQ’s in relation to Pepper Money's offset sub-account.
BO CO and Settlor Process Guide
Process guide for brokers to identify Beneficial Owner, Control Owner or Settlor of Trust.
CoreLogic Property Hub User Guide
Instructions on how to access and use the hub to order a valuation.
Target Market Determinations
The target market determinations (TMDs) outline the likely objectives, financial situation, and needs of the target market for each of our products.
