Pepper Home Loans - mortgage lender

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Pepper Home Loans - Mortgage Lender

Pepper Homeloans was launched in 2001 and has since grown to become one of Australia's leading specialist lenders.

Loan Products


Type of Loan Home Loan Information
>  Pepper Clean
  • No Mortgage Arrears
  • No Defaults, Judgements, Writs, Summons
  • No Bankruptcy History
>  Pepper PLUS
  • Mortgage Arrears: <1 month arrears at application; and <1 month arrears in last 6 months.
  • Defaults, Judgements, Writs, Summons: Unpaid 1 registered over 12 months ago
  • Bankruptcy History: Discharged 1 year
>  Pepper A
  • Mortgage Arrears: Max 1 months arrears at application; and Max 3 months arrears in last 6 months
  • Defaults, Judgements, Writs, Summons: Unpaid 2 registered over 12 months ago
  • Bankruptcy History: Discharged 1 year
>  Pepper B
  • Mortgage Arrears: Max 1 months arrears at application; and Max 3 months arrears in last 6 months
  • Defaults, Judgements, Writs, Summons: Unpaid 2 registered over 12 months ago
  • Bankruptcy History: Discharged 1 year
>  Pepper C
  • Mortgage Arrears: Max 3 months arrears at application; and Max 3 months arrears in last 6 months
  • Defaults, Judgements, Writs, Summons: Unlimited
  • Bankruptcy History: Discharged
>  Easy® Low Doc
Designed for those borrowers who have been self employed for less than 12 months, or do not wish to satisfy Pepper’s standard income documentation requirements.

Branches and offices

Pepper Homeloans products are available through a network of accredited Mortgage Brokers situated throughout the country

Pepper Home Loans Points of difference

Pepper Homeloans’ Easy® Low Doc loan is specially designed for borrowers who have been self-employed for less than 12 months or do not wish to satisfy standard income documentation. The product is suitable for borrowers with bad credit history and those with clean credit.



Good mortgage brokers understand a broad range of lender preferences and that is why it is really useful to talk to a local mortgage broker about your specific situation. They will use their knowledge and specialized software to assist you in making the most informed decision. Simply put, a mortgage broker evaluates your situation against the lenders on their panel for the best deal.  More information on how to pick a home loan or how to assess the right business loan is available right here on the X Inc. site.


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