Give that deal on your desk, the Pepper Money non-bank lender test

As client scenarios grow more diverse, many hopeful buyers may currently need alternatives to achieve their goals.

To help address some of the real world challenges that clients face, we’re unlocking opportunities for borrowers to purchase their first home with our red hot options:

Serviceability buffer reduced to 2%                                                

Credit response within 24 hours


Flexible policy options for first home buyers


Got a deal on your desk? Give it the non-bank test!


Our headline policy options

LVR & Deposit

  • Up to 80% LVR
  • Up to 85% LVR for new build in metro area
  • First Home Grant considered for deposit


  • 80% of estimated rental income considered
  • Non-standard income considered

Credit History

  • Arrears or late payments
  • Unlimited defaults

Loan structure

  • IO max 5 years followed by P&I
  • 2 and 3 year fixed rates
  • 40-year loan terms (P&I non-conforming options)
Talk to us about workshopping your client’s situation. We’re here to help.

Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

^Before using Pepper Product Selector, it is important to ensure you have received your customer’s written consent to complete a credit enquiry. Applications are subject to credit assessment, eligibility criteria and lending limits.

An indicative offer is not a formal approval for a loan and financial commitments must not be entered into based on it. It is not a suggestion or recommendation of any particular loan product. It is a guide only based on the limited information provided and the credit score obtained. The actual interest rate and fees will depend on the borrower’s circumstances and the information verified during the loan application assessment.