Rates and Documents

Below you’ll find links to the forms you need to apply for and manage your clients' home loan with us. Select the type of information you are looking for to locate the documents you need.

Don’t miss our red hot rates package. 

Reduced interest rates for a limited time*. Flexible affordability options. Fast turnarounds.
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Product Information

This section contains all the information you need on Pepper Money’s product features, rates and fees.

Product Guide

This guide provides details on our product suite and an overview of the servicing and lending policy.
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Pepper Money Niches

Download this guide for a quick introduction to our home loan options and unique approach to lending.
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Rates & Fees

This guide includes a full interest rate and establishment fees summary.
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Fees & Charges Schedule

This guide summarises the credit fees and charges that may be payable in relation to set up and management of your client’s home loan.
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Application Documents

Online Application

Use the short application form for online lodgements.
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Home Loan Application

Download the full home loan application form.
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Short Form Refinance Requirements

This guide provides details on the short form process for $ for $ refinances.
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Privacy Consent

To be signed by the borrowers and guarantors of the loan authorising Pepper Money to hold and use their personal information and obtain credit reports in accordance with Pepper Money’s Privacy Policy.
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Customer Requirements & Objectives

This form will ensure that both Pepper Money and our introducer have adequate insight into the applicant’s requirements and objectives.
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Trust Details Form

To be completed when a home loan application includes a trust.
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Company Details Form

To be completed when a home loan application includes a Company, Company Trustee, or a Company Partner.
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For Alt Doc Applications

Self-Employed Declaration

Required for all self-employed clients applying for an alternative documentation ‘alt doc’ loan.
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Accountant's Letter Template

Where self-employed income is verified by a clients’ Accountant.
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Important Information

* Floating Interest rate promotion (Promotion) applies for new applications. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00 am NZDT 7 March 2025 and 11:59 pm NZST 12 June 2025. Applications lodged after the Promotion period will be offered the current floating interest rates then applicable. This Promotion is subject to change and may be varied or withdrawn at any time. All applications are subject to Pepper's credit assessment and loan eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

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