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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.
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Product data updated
Why choose Pepper
Pepper Home Loans
Loan amount
Minimum deposit
Loan type & Term
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6.84%
7.02%
$2,438
Australian Credit Licence 286655
Fees & charges apply
Essential Home Loan
- Owner Occupied
- Variable
- 45% min deposit
- P&I
6.94%
7.12%
$2,460
Australian Credit Licence 286655
Fees & charges apply
Essential Home Loan
- Owner Occupied
- Variable
- 35% min deposit
- P&I
7.04%
7.22%
$2,483
Australian Credit Licence 286655
Fees & charges apply
Essential Home Loan
- Owner Occupied
- Variable
- 30% min deposit
- P&I
7.14%
7.32%
$2,505
Australian Credit Licence 286655
Fees & charges apply
Essential Home Loan
- Owner Occupied
- Variable
- 25% min deposit
- P&I
7.24%
7.50%
$2,528
Australian Credit Licence 286655
Fees & charges apply
Clear Home Loan
- Owner Occupied
- Variable
- 45% min deposit
- P&I
7.24%
7.50%
$2,528
Australian Credit Licence 286655
Fees & charges apply
Clear Home Loan
- Owner Occupied
- Variable
- 35% min deposit
- P&I
7.34%
7.60%
$2,550
Australian Credit Licence 286655
Fees & charges apply
Clear Home Loan
- Owner Occupied
- Variable
- 30% min deposit
- P&I
7.44%
7.62%
$2,573
Australian Credit Licence 286655
Fees & charges apply
Essential Home Loan
- Owner Occupied
- Variable
- 20% min deposit
- P&I
7.44%
7.70%
$2,573
Australian Credit Licence 286655
Fees & charges apply
Clear Home Loan
- Owner Occupied
- Variable
- 25% min deposit
- P&I
7.54%
7.80%
$2,596
Australian Credit Licence 286655
Fees & charges apply
Clear Home Loan
- Owner Occupied
- Variable
- 20% min deposit
- P&I
7.64%
7.82%
$2,618
Australian Credit Licence 286655
Fees & charges apply
Essential Home Loan
- Owner Occupied
- Variable
- 15% min deposit
- P&I
7.64%
7.90%
$2,618
Australian Credit Licence 286655
Fees & charges apply
Easy Home Loan
- Owner Occupied
- Variable
- 45% min deposit
- P&I
Home Loans calculator
Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated mortgage repayments
at interest rate 5%
Total interest payable
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Total loan repayments
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Contact a mortgage broker
Pepper homeloans are vailable through brokers who can help find the right loan and manage your application at no charge.
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^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.