Ready to get things started?

Find out how much you could borrow, get an indicative interest rate, or even apply online - all from the comfort of your couch. 

So tell us, how's your home loan journey coming along?

 

What's my interest rate?

Understand what indicative interest rate you may be eligible for. It'll only take a few minutes and won't impact your credit score.

We'll ask about your property, deposit and a few personal details.

 

Get My Interest Rate

Estimate your borrowing power

A great first step that takes less than a minute to get a rough borrowing power estimate.

 

Apply for your home loan

If you're refinancing and earn a PAYG income, then you can apply for your home loan with us online. 

It'll take about 15-20 minutes, and we'll need documents to verify your income, savings and identity.

If you're buying a new property or are self-employed, then submit an online enquiry or call our team on 137 377.

 

Continue your application

If you've started your online journey with us, you can finish it off at any time.

If you're buying a new property or are self-employed, then submit an online enquiry or call our team on 137 377.

 

Help me out

If you're a little stuck with your application, or just in need of a good-old-fashioned chat with a real human, then you can call one of our lending specialists on 137 377 or enquire online.
Get your home loan rate

What's my interest rate?

In less than 5 minutes, you could estimate your repayments and receive an indicative interest rate. Plus, it won't impact your credit score.
Let's Go
Apply for a Pepper Money home loan

I'm ready to apply

In less than 20 minutes, eligible customers with a PAYG income can apply online to refinance or purchase a new property.
Let's Go
How much can I borrow?

How much can I borrow?

If you're not ready to jump into interest rates just yet, then a first step could be working out how much you might be able to borrow, based on provided income and expenses. 
Let's Go
Enquire for a Pepper Money home loan

Need a helping hand?

If you're a little stuck with your application, or just in need of a good-old-fashioned chat with a real human, then you can call one of our lending specialists on 137 377 or enquire online.
Enquire Online
Resume your home loan application

Resume My Application

Already started applying for your home loan with us? Great news, you can pick-up where you left off.
Retrieve My Application
Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.