Pepper home loan repayment calculator

Thinking about taking out a home loan with Pepper? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Pepper home loans compare with other options.

I am an

With a repayment type

Borrow amount

$

Deposit amount %

Loan term

Your estimated mortgage repayments

at interest rate 2.35%

Total interest payable

$0

Total loan repayments

$0

Pros and cons

  • 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 rates

Advertised Rate

2.35%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

2.55%

Ongoing fee
$10 monthly
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Advertised Rate

2.45%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

2.65%

Ongoing fee
$10 monthly
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Advertised Rate

2.55%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

2.75%

Ongoing fee
$10 monthly
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Advertised Rate

2.69%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

2.89%

Ongoing fee
$10 monthly
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Advertised Rate

2.95%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.15%

Ongoing fee
$10 monthly
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Advertised Rate

2.95%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.15%

Ongoing fee
$10 monthly
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Advertised Rate

3.04%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.24%

Ongoing fee
$10 monthly
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Advertised Rate

3.05%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.25%

Ongoing fee
$10 monthly
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Advertised Rate

3.19%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.39%

Ongoing fee
$10 monthly
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Advertised Rate

3.19%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.39%

Ongoing fee
$10 monthly
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Advertised Rate

3.29%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.49%

Ongoing fee
$10 monthly
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Advertised Rate

3.35%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.55%

Ongoing fee
$10 monthly
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More details
Advertised Rate

3.35%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.55%

Ongoing fee
$10 monthly
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More details
Advertised Rate

3.44%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.64%

Ongoing fee
$10 monthly
Go to site
More details
Advertised Rate

3.49%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.69%

Ongoing fee
$10 monthly
Go to site
More details
Advertised Rate

3.54%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.74%

Ongoing fee
$10 monthly
Go to site
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Advertised Rate

3.49%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

3.77%

Ongoing fee
$15 monthly
Go to site
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Advertised Rate

3.49%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

3.77%

Ongoing fee
$15 monthly
Go to site
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Advertised Rate

3.49%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

3.77%

Ongoing fee
$15 monthly
Go to site
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Advertised Rate

3.59%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.79%

Ongoing fee
$10 monthly
Go to site
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Advertised Rate

3.79%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

3.98%

Ongoing fee
$10 monthly
Go to site
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Advertised Rate

3.74%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.02%

Ongoing fee
$15 monthly
Go to site
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Advertised Rate

3.84%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

4.03%

Ongoing fee
$10 monthly
Go to site
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Advertised Rate

3.79%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.07%

Ongoing fee
$15 monthly
Go to site
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Advertised Rate

4.04%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

4.23%

Ongoing fee
$10 monthly
Go to site
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Advertised Rate

3.89%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

4.27%

Ongoing fee
$10 monthly
Go to site
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Advertised Rate

3.99%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.27%

Ongoing fee
$15 monthly
Go to site
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Advertised Rate

3.99%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.27%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

3.99%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.27%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

4.24%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.52%

Ongoing fee
$15 monthly
Go to site
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Advertised Rate

4.34%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

4.53%

Ongoing fee
$10 monthly
Go to site
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Advertised Rate

4.29%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.57%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

4.19%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

4.64%

Ongoing fee
$10 monthly
Go to site
More details
Advertised Rate

4.34%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.71%

Ongoing fee
$15 monthly
Go to site
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Advertised Rate

4.44%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.81%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

4.44%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.85%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

4.59%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.89%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

4.54%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

4.98%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

4.84%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.14%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

4.49%

Variable

Total estimated upfront fees
$1039
Comparison Rate*

5.15%

Ongoing fee
$10 monthly
Go to site
More details
Advertised Rate

4.89%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.16%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

4.94%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.24%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

4.84%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.28%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.04%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.34%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.14%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.44%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.14%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.51%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.29%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.56%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.14%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.61%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.24%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.61%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.34%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.61%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.24%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.66%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.39%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.66%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.39%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.69%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.34%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.78%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.49%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.79%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.49%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.79%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.59%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

5.89%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.54%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.04%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.79%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.06%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.64%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.11%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.84%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.11%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.74%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.34%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

6.04%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.34%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

5.94%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.35%

Ongoing fee
$15 monthly
Go to site
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Advertised Rate

6.04%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.47%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

6.04%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.49%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

6.14%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.61%

Ongoing fee
$15 monthly
Go to site
More details
Advertised Rate

6.44%

Variable

Total estimated upfront fees
$1835
Comparison Rate*

6.95%

Ongoing fee
$15 monthly
Go to site
More details

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, email)
  • Online banking

How to apply for a Pepper home loan

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 important to consider how much money you can afford to 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
  • 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

About Pepper home loans

Pepper is a specialist lender, and as such, some of its home loans are different from those offered by more traditional banks. 

Pepper home loans suit borrowers in unique circumstances, but they still serve a range of borrower types, including:

  • First-time home buyers
  • Investors
  • Refinancers
  • Renovators
  • Self-employed (alt-doc loans)

Pepper home loans can assist borrowers who have had credit issues in the past, borrowers who are overcommitted financially, and borrowers who have experienced life events that have caused defaults on their credit files.

Pepper mortgages have a maximum loan term of 30 years. Extra repayments are allowed. Depending on the product you choose, your Pepper loan may have an offset account and a redraw facility. Borrowers can choose from weekly, fortnightly, or monthly repayments, and can choose between principal and interest and interest-only payments.

Pepper home loans generally charge establishment and ongoing fees.

 

Pepper home loan rates

Pepper home loan interest rates vary from loan to loan. As a general rule, more traditional borrowers with lower LVRs get lower interest rates than non-traditional borrowers with high LVRs. 

Pepper’s mortgage interest rates differ between owner-occupiers and investors, as well as between principal and interest and interest-only mortgages. Interest-only payments are available for a maximum of five years.

Pepper’s flexible home loans can be valuable to non-traditional borrowers who may not be able to take out home loans from banks, though the rates on these loans may be higher than for more traditional loan products.

Pepper home loans review

Pepper’s home loan products can be valuable for customers who don’t fit within traditional borrower guidelines. Pepper offers mortgages for self-employed customers, PAYG employees, and those who have had issues with their credit in the past.

Pepper does not have any branches, so Pepper home loans are only suitable for borrowers who are willing to have their home loan communication done entirely online or over the phone.

Pepper offers home loan products for non-traditional borrowers, including those who have unusual financial histories, so their rates aren’t always as low as other online-only lenders who cater to more traditional borrowers.

While fees may vary from loan to loan, Pepper home loans tend to charge an establishment fee as well as ongoing monthly service fees.

Learn more about home loans

How do I apply for a home improvement loan?

When you want to renovate your home, you may need to take out a loan to cover the costs. You could apply for a home improvement loan, which is a personal loan that you use to cover the costs of your home renovations. There is no difference between applying for this type of home improvement loan and applying for a standard personal loan. It would be best to check and compare the features, fees and details of the loan before applying. 

Besides taking out a home improvement loan, you could also:

  1. Use the equity in your house: Equity is the difference between your property’s value and the amount you still owe on your home loan. You may be able to access this equity by refinancing your home loan and then using it to finance your home improvement.  Speak with your lender or a mortgage broker about accessing your equity.
  2. Utilise the redraw facility of your home loan: Check whether the existing home loan has a redraw facility. A redraw facility allows you to access additional funds you’ve repaid into your home loan. Some lenders offer this on variable rate home loans but not on fixed. If this option is available to you, contact your lender to discuss how to access it.
  3. Apply for a construction loan: A construction loan is typically used when constructing a new property but can also be used as a home renovation loan. You may find that a construction loan is a suitable option as it enables you to draw funds as your renovation project progresses. You can compare construction home loans online or speak to a mortgage broker about taking out such a loan.
  4. Look into government grants: Check whether there are any government grants offered when you need the funds and whether you qualify. Initiatives like the HomeBuilder Grant were offered by the Federal Government for a limited period until April 2021. They could help fund your renovations either in full or just partially.  

Can I get a NAB home loan on casual employment?

While many lenders consider casual employees as high-risk borrowers because of their fluctuating incomes, there are a few specialist lenders, such as NAB, which may provide home loans to individuals employed on a casual basis. A NAB home loan for casual employment is essentially a low doc home loan specifically designed to help casually employed individuals who may be unable to provide standard financial documents. However, since such loans are deemed high risk compared to regular home loans, you could be charged higher rates and receive lower maximum LVRs (Loan to Value Ratio, which is the loan amount you can borrow against the value of the property).

While applying for a home loan as a casual employee, you will likely be asked to demonstrate that you've been working steadily and might need to provide group certificates for the last two years. It is at the lender’s discretion to pick either of the two group certificates and consider that to be your income. If you’ve not had the same job for several years, providing proof of income could be a bit of a challenge for you. In this scenario, some lenders may rely on your year to date (YTD) income, and instead calculate your yearly income from that.

How do I get a pre-approved home loan with Aussie?

Getting Aussie home loan pre-approval means receiving conditional support from Aussie Home Loans to borrow the money you need to buy a home. 

It’s an indication of the approximate amount Aussie may offer you, subject to some terms and conditions. Keep in mind, having a pre-approved home loan does not guarantee an actual approval of your loan when it comes time to buy.

Aussie home loan pre-approval often involves speaking to one of the lender’s brokers. You can make an appointment online. You’ll often have to submit your personal details and other information about your assets, income, liabilities and expenses.  It’s worth remembering that a pre-approved loan is usually valid for a few months.

Remaining loan term

The length of time it will take to pay off your current home loan, based on the currently-entered mortgage balance, monthly repayment and interest rate.

How long does Bankwest take to approve home loans?

Full approval for a home loan usually involves a property valuation, which, Bankwest suggests, can take “a week or two”. As a result, getting your home loan approved may take longer. However, you may get full approval within this time if you applied for and received conditional approval, sometimes called a pre-approval, from Bankwest before finalising the home you want to buy.  

Another way of speeding up approvals can be by completing, signing, and submitting your home loan application digitally. Essentially, you give the bank or your mortgage broker a copy of your home’s sale contract and then complete the rest of the steps online. Bankwest has claimed this cuts the approval time to less than four days, although this may only happen if your income and credit history can be verified easily, or if your home’s valuation doesn’t take time.

What is the average length of a home loan?

Most Aussie lenders offer home loans with a 30-year term, meaning that you should pay back the full loan amount and the interest you owe on the amount in 30 years. 

However, home loans can also have a shorter or longer term. They may be as low as ten years or up to 45 years, depending on the product and lender. 

It’s worth remembering that a longer loan term usually means you’ll end up paying a lot more interest in total, but your scheduled repayments may be more manageable. In contrast, you could opt for a shorter loan term if you are comfortable making large repayments in exchange for paying less interest over the term of the loan.

Where can I get all the information about an ANZ first home buyer’s loan?

As a first home buyer, you may require help and hand-holding, and as such ANZ has the buying your first home section on its website full of important information. ANZ also has a form in this section you can fill out to get a free consultation from an ANZ First Home Coach and create your own plan for buying your first home. This coach will help you understand where your current income is being spent and plan for your home loan repayments. You’ll get a clear picture of the costs involved in purchasing a property and how to budget or save for these costs. The coach will help you understand different deposit options and manage your accounts to enhance your savings.

There are three types of ANZ first home loans - Standard Variable, Fixed, and Equity Manager. The features, interest rates, and terms for each are different, and you can compare them here.

When they apply for an ANZ home loan, first home buyers can also get guidance on applying for the First Home Owner Grant (FHOG). This is a one-off government grant that may be available to you when you’re buying your first home. The eligibility criteria for FHOG differs between the different states and territories, which is why it’s helpful to have expert advice when applying.

Can I take a personal loan after a home loan?

Are you struggling to pay the deposit for your dream home? A personal loan can help you pay the deposit. The question that may arise in your mind is can I take a home loan after a personal loan, or can you take a personal loan at the same time as a home loan, as it is. The answer is that, yes, provided you can meet the general eligibility criteria for both a personal loan and a home loan, your application should be approved. Those eligibility criteria may include:

  • Higher-income to show repayment capability for both the loans
  • Clear credit history with no delays in bill payments or defaults on debts
  • Zero or minimal current outstanding debt
  • Some amount of savings
  • Proven rent history will be positively perceived by the lenders

A personal loan after or during a home loan may impact serviceability, however, as the numbers can seriously add up. Every loan you avail of increases your monthly installments and the amount you use to repay the personal loan will be considered to lower the money available for the repayment of your home loan.

As to whether you can get a personal loan after your home loan, the answer is a very likely "yes", though it does come with a caveat: as long as you can show sufficient income to repay both the loans on time, you should be able to get that personal loan approved. A personal loan can also help to improve your credit score showing financial discipline and responsibility, which may benefit you with more favorable terms for your home loan.

Can first home buyers apply for an ING home loan?

First home buyers can apply for an ING home loan, but first, they need to select the most suitable home loan product and calculate the initial deposit on their home loan. 

First-time buyers can also use ING’s online tool to estimate the amount they can borrow. ING offers home loan applicants a free property report to look up property value estimates. 

First home loan applicants struggling to understand the terms used may consider looking up ING’s first home buyer guide. Once the home buyer is ready to apply for the loan, they can complete an online application or call ING at 1800 100 258 during regular business hours.

Why should I get an ING home loan pre-approval?

When you apply for an ING home loan pre-approval, you might be required to provide proof of employment and income, savings, as well as details on any on-going debts. The lender could also make a credit enquiry against your name. If you’re pre-approved, you will know how much money ING is willing to lend you. 

Please note, however, that a pre-approval is nothing more than an idea of your ability to borrow funds and is not the final approval. You should receive the home loan approval  only after finalising the property and submitting a formal loan application to the lender, ING. Additionally, a pre-approval does not stay valid indefinitely, since your financial circumstances and the home loan market could change overnight.

 

 

What is a bad credit home loan?

A bad credit home loan is a mortgage for people with a low credit score. Lenders regard bad credit borrowers as riskier than ‘vanilla’ borrowers, so they tend to charge higher interest rates for bad credit home loans.

If you want a bad credit home loan, you’re more likely to get approved by a small non-bank lender than by a big four bank or another mainstream lender.

How do you determine which home loan rates/products I’m shown?

When you check your home loan rate, you’ll supply some basic information about your current loan, including the amount owing on your mortgage and your current interest rate.

We’ll compare this information to the home loan options in the RateCity database and show you which home loan products you may be eligible to apply for.

 

How can I apply for a first home buyers loan with Commonwealth Bank?

Getting a home loan requires planning and research. If you are considering a home loan with the Commonwealth Bank, you can find the information you need in the buying your first home section of the bank’s website.

You can see the steps you should take before applying for the loan and use the calculators to work out how much you can borrow, what your monthly repayments would be and the upfront costs you’d likely pay.

You can also book a time with a Commonwealth first home loan specialist by calling 13 2221.

CommBank publishes a property report that may help you understand the real estate market. The bank has also created a CommBank Property App that you can use to search for property.  The link to download this app is available on the same webpage.

If you are eligible for the First Home Loan Deposit Scheme, CommBank will help you process your application. The scheme helps first home buyers to purchase a home with a low deposit. You can read details about this scheme here and speak with a CommBank home lending specialist to understand your options.

How do I get a Suncorp home loan pre-approval?

Getting home loan pre-approval helps you work out a budget to help you search for a suitable property and make an offer with confidence. Once you put in an application, you should get your pre-approval outcome within two business days. To help get a fast turnaround time of your pre-approval application, ensure all the information and documentation that Suncorp requires. This includes proof of identification, recent payslips, bank account and credit card statements.

You can submit the home loan pre-approval application online. You’ll be asked for information about your income, expenses, assets, and debts. It should take you about 10 minutes to fill out the application, and you can do it free of charge. A Suncorp lending specialist will review your application and contact you within 24 hours or the next working day. Suncorp will not run a credit check until you have heard from this lending specialist.

Once you get Suncorp home loan pre-approval, it’s valid for 90 days. If you don’t find a property you wish to buy in this time you may be able to apply for an extension, speak to your Suncorp lending specialist about this.

How can I get a home loan with bad credit?

If you want to get a home loan with bad credit, you need to convince a lender that your problems are behind you and that you will, indeed, be able to repay a mortgage.

One step you might want to take is to visit a mortgage broker who specialises in bad credit home loans (also known as ‘non-conforming home loans’ or ‘sub-prime home loans’). An experienced broker will know which lenders to approach, and how to plead your case with each of them.

Two points to bear in mind are:

  • Many home loan lenders don’t provide bad credit mortgages
  • Each lender has its own policies, and therefore favours different things

If you’d prefer to directly approach the lender yourself, you’re more likely to find success with smaller non-bank lenders that specialise in bad credit home loans (as opposed to bigger banks that prefer ‘vanilla’ mortgages). That’s because these smaller lenders are more likely to treat you as a unique individual rather than judge you according to a one-size-fits-all policy.

Lenders try to minimise their risk, so if you want to get a home loan with bad credit, you need to do everything you can to convince lenders that you’re safer than your credit history might suggest. If possible, provide paperwork that shows:

  • You have a secure job
  • You have a steady income
  • You’ve been reducing your debts
  • You’ve been increasing your savings