1. Home
  2. Home Loans
  3. Companies
  4. Pepper
Pepper logo

Pepper home loans

Pepper is a non-bank lender that has served over 100,000 Australians since 2000. Pepper is a specialist lender that provides home loans to customers that fall outside traditional borrower profiles, as well as more everyday borrowers.

Pepper has won several awards, including Best Non-Bank Lender in 2018, and Best Specialist Lender and Best Self Employed Lender for 6 years in a row.

Pepper’s range of home loans includes options that serve non-traditional borrowers, including the self-employed, those who have had credit issues, and those who are over-committed financially.

Other available products

Content updated

Product data updated

Why choose Pepper


  • Award winning loans
  • Flexible loan options
  • Cater to borrowers with specific needs like low doc loans and self-employed


  • No branch access
  • Less competitive interest rates on some specialist loans

Pepper Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Contact a mortgage broker

Pepper homeloans are vailable through brokers who can help find the right loan and manage your application at no charge.

broker profile picture

John Molloy

Australian Credit Licence: 392200
17 Google reviews

Get expert advice from a home loans specialist.

I am an experienced mortgage broker with 6 years experience and an additional 37 years in banking and finance. I pride...

View Profile
broker profile picture

Jarrad Stuart

Customer Representative Number: 499505
30 Google reviews

Get expert advice from a home loans specialist.

Jarrad is an experienced mortgage broker based in Brisbane, QLD, with 10 years of experience helping clients across the ...

View Profile
broker profile picture

Deborah Fredericks

Customer Representative Number: 376823
12 Google reviews

Get expert advice from a home loans specialist.

Deborah Fredericks is the Senior Lending Manager at Korff Wealth with over 20 years lending, business and property exper...

View Profile

About our expert

Did you find this page helpful?

^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.