Pepper Money ClearScore

Having trouble juggling payments on multiple loans
or credit cards?

Refinancing can help reshape your financial situation so you can do the things that matter to you. It could help you to consolidate debts or bring multiple mortgages together with one lender so you can streamline your financial commitments. What’s more, even if you’ve had a few blemishes on your credit score, you may still be able to refinance your home loan.

Request a call back

Fill in the details below and we’ll be in touch within two business days to chat about your home loan options.

First name *

Last name *

Email *

Contact number *

Best time to contact Morning Afternoon Evening

Interested in

All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply. Personal information is collected, used and disclosed in accordance with Pepper’s Privacy Policy.

Consent * I have read Pepper Money’s Privacy Policy and consent to my personal information being used by Pepper Money to contact me regarding my home loan requirements.

Subscribe to our eNews I consent to receiving the Pepper Money Real Lives emails – a monthly communication full of useful tips, tools and giveaways to set you up for success.

Why Pepper Money home loans

Our flexible approach to home loans considers the ups and downs of real life. Whether you're considering buying your first home, refinancing to consolidate debts, diversifying your investment portfolio or seeking greater flexibility as a self-employed borrower – we’re here to help.

We're fast

Credit decision within 48 hours

We're flexible

We'll look to give you options before saying 'no'

We're accessible

Talk through your situation with us

What every home buyer needs

Cash-out up to 90% LVR; including for renovations
Borrow up to 90% of the property value
Deal directly with a decision-maker
Unlimited debt consolidation considered
We look beyond just your credit score
Additional income sources considered

Our Product Reviews

What our customers think about us

4.2

from 1,259 reviews

Great ongoing service

I have been a Home loan customer of Pepper Money for sometime now and one of the things I really like about Pepper is that over the last few years they have worked with me to keep my interest rate competitive. Great customer service!

Michael, Adelaide

Made life easy!

The entire relationship was perfect, the loan was sanctioned Just in time. Documentation was not fussy, and straightforward. Costs were as per the market standard, and though I was worried about the due date for settlement, the process was good and done prior to the deadline.

James, Melbourne

Home loan heaven

Every time I had to deal with Pepper Money was a pleasant experience. Nothing was too difficult and the people I spoke with were friendly, easy to deal with and professional.

Noeleen, Western Australia

When the struggle is lifted finally

We had had been refused and knocked back by our big 4 lender several times and even mortgage brokers were reluctant to help us. We never once said we were perfect and new we had some past credit issues but they shouldn't have held us back from reaching our financial goal.

Jarrod, Goulburn Valley

Best phone call I made all year

I called up to change my address and ask a couple of admin questions and ended up speaking to a mortgage specialist called Mile who was informed, to the point and exhibited exemplary customer service.

Lisa, Sydney

Fantastic to deal with made everything so easy

Extremely satisfied with all there help and service great customer service always keeping me informed with what was going on with loan process will be recommending to all family and friends.

Pino, Victoria

Thank you for giving me a chance to have a home for my kids

Excellent customer service. Very grateful to ge customer of pepper. Was given a chance of getting a house loan when other banks would not even look at you been a single mum.

Olena, Perth