Pepper is a specialist lender which provides home loans to customers that don’t tick all the usual boxes. Pepper specialises in loans for customers that have had credit issues in the past, as well as self-employed borrowers or customers that do not meet the traditional lending profile. Pepper has been providing unique financial products and services since 2001 and is funded by leading Australian financial institutions.

Pepper has won numerous awards including Best Specialist Lender at the 2016 Australian Lending Awards, Best Self Employed Lender and Best Specialist Lender at the 2016 Non-Bank Lending Awards.

Pepper Home Loan Calculator
Interested in an Pepper home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Pepper compares to its competitors. Simply plug in your borrowing amount below. 

  • Award winning loan products.
  • Flexible loan options.
  • Cater to borrowers with specific needs like lo doc loans and self-employed.
  • These loans have broad eligibility criteria.
  • No branch access.
  • Less competitive interest rates.
Pepper customer service:

Pepper is an online-only lender, meaning that there are no branches or mobile lenders. Potential Pepper customers can contact the lender through the Home Loan Enquiry hotline, by filling out an online enquiry form or by emailing Pepper directly.

✓     Customer service centre (phone)

✓     Online banking

✓     Email

Pepper Home Loan Calculator

Mortgage Balance

Monthly Repayment

Interest Rate


Remaining loan term:

26 years and 8 months

Savings over 10 years

How to Apply

Customers wanting to apply for a Pepper home loan can do so by filling out an online enquiry form, calling the hotline or emailing a lending specialist. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This may include:

  • Personal identification material.
  • Proof of income – whether you are self-employed or work for an employer.
  • Information regarding your current debts, liabilities and assets including any personal or car loans.
  • Details of your ABN and GST registration.
  • An accountants letter if necessary.
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