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Whether you’re moving on in the world and exploring new suburbs, needing a bigger space or maybe even downsizing - we’re here to help. Things may have changed since you last bought a property. Getting a home loan approval from traditional lenders today can mean having to tick a lot of boxes and fitting into a long list of fixed conditions. You’ll find our approach more personal and flexible. While a high credit score might help you get a rock-bottom interest rate, it may still be possible to apply for a home loan with a less-than-perfect credit score.
You are protected by responsible lending laws. Because of these protections, the recommendations given to you about home loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.
What’s a flexible credit assessment?
With flexible options to manage your repayments, low fees and bonuses for EV drivers, our car loan options make it easier toget on the road. We've got the online tools and calculators needed to help get your home loan journey underway. Work out how much you could borrow and even quickly find out what interest rate you might be eligible for. You’ll need to login with your details provided on settlement, or when your account was transferred over. For added security, we’ll also send a one-time-passcode to your registered mobile number each time you login.
The loan approval process was quick and stress free. We look beyond your credit score to get to know the real you. At Pepper Money, we operate on the basis that everyone is different; helping your customers secure a mortgage by looking beyond credit ratings and traditional lending criteria. We look at a range of factors to provide you with an interest rate estimate. We have received your request for us to contact you, however, why not apply online?
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We don’t just look at the black and white boxes on your application. We make the effort to get to know you – the person behind the application. We then use a range of factors to provide an interest rate matched to your circumstances. We work exclusively with brokers and intermediaries for our mortgage products and on cases that don't fit with high street lenders. And as the UK's largest second charge lender, our second charge lending expertise is unrivalled. Our dedicated team work with a range of approved specialist partners to offer second charge mortgages to customers.
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. Why let something in the past decide your future? We get it, real life happens and just because you had some credit issues before doesn’t mean that your options should be limited. That’s why we get to know you – the person behind the credit score.
Style Guide: Pepper x Loom & Co Rugs
We’ll be continuing to update my.peppermoney with new functionality over the coming months. Keep checking back for more ways to manage your loan with us. Here’s a selection of commonly asked questions aboutmanaging your loan.
We never once said we were perfect and new we had some past credit issues but they shouldn't have held us back from reaching our financial goal. Go with the flow with our variable rate option. Maximise your cashflow with our 100% interest offset sub-account, complete with debit card access. Not everyone works a 9 to 5 and has regular payslips.
Get a callback from one of our qualified mortgage advisers if you are not sure about applying online or scheduling a call. Find out what your repayments might look like each month and how much you could end up paying with our homeowner loan calculator. Apply online today and get booked in with a fully qualified mortgage adviser, who can talk you through your options and give you their recommendation. We’ll send your homeowner loan application paperwork for you to check and return. Apply online today and get booked in with a fully qualified mortgage adviser who can talk you through your options and give you their recommendation.
Whether you’re confused 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. Yes – in fact, we partner with over 15,000 accredited mortgage brokers across Australia. Find out more about our home loans for the self-employed and small business owners. We’ll process your application and subject to underwriting checks, we’ll issue your final offer paperwork.
See if a homeowner loan could be right for you. Want a call with one of our advisers about your homeowner loan application? Just fill out some basic details and choose a time that works best for you. Our mortgage calculators will help to give you an indication of how much we could lend your customers and it’s super quick and really simple to use.
If you’re worried about your work history or other mortgages getting in the way, then talk to us. We can work together to try and find a way forward. To discover who the lucky winners are and the remarkable stories of making a real life difference in the community.
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