Home Loans

We help a wide range of people – what’s your situation?

We understand that everyone’s real life situation is different. That’s why we keep our thinking flexible and look at more than just your credit score, which is why we may be able to help when others can’t.

Moving up or sizing down?

Whether you’re moving up in the world, migrating from North to South, or even if you're downsizing - we’re here to help. Things may have changed since you last bought a property. Getting a home loan approval from traditional lenders today might mean having to tick a lot of boxes and fitting into a long list of conditions.

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How could a Pepper Money home loan help?

Cash-out, including for renovations when refinancing
Borrow up to 85% of the property value
Deal directly with a decision-maker
Get started with 6 months' income documentation
We look beyond just your credit score
Alt Doc applications considered

Any loan applications are subject to the Pepper Money team completing responsible lending checks and considering your/every customers individual circumstances.

Grow your portfolio with us

Whether you’re looking at your first investment property or growing your portfolio, we’re here to help make the property investment process easier.

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How could a Pepper Money home loan help?

Cash-out, including for renovations when refinancing
Borrow up to 85% of the property value
Deal directly with a decision-maker
Get started with 6 months' income documentation
We look beyond just your credit score
Alt Doc applications considered

Any loan applications are subject to the Pepper Money team completing responsible lending checks and considering your/every customers individual circumstances.

It's time to get excited!

You’ve saved your deposit, researched your options and are looking forward to settling into your new home. It’s a big commitment and a lot of change, but the good news is we’re here to help make the move to home ownership that bit easier.

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How could a Pepper Money home loan help?

Gifted deposits accepted
Floating or fixed interest rates
60 day loan approval
We look beyond just your credit score
Get a quick response within 1 working day
Borrow up to 85% of the property value

Any loan applications are subject to the Pepper Money team completing responsible lending checks and considering your/every customers individual circumstances.

Unlock your equity

Refinancing could help reshape your financial situation. You could refinance to a new lender for better features, to consolidate debt, or to use your equity (the market value of your property minus what you owe on your mortgage) to help fund a renovation, a new business venture, or even a cheeky boat purchase. Let us know what's important to you.

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How could a Pepper Money home loan help?

Cash-out, including for renovations when refinancing
Borrow up to 85% of the property value
Deal directly with a decision-maker
Consolidate multiple debts
We look beyond just your credit score
Alt Doc applications considered

Any loan applications are subject to the Pepper Money team completing responsible lending checks and considering your/every customers individual circumstances.

Focus on your business, not your loan

Just because you’ve started your next business venture doesn’t mean your plans to buy a house have to wait – we give you the flexibility to apply for a home loan with just six months NZBN activity. Find out more about our home loans for the self-employed and small business owners.

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How could a Pepper Money home loan help?

Cash-out, including for renovations when refinancing
Borrow up to 85% of the property value
Deal directly with a decision-maker
Consolidate multiple debts
We look beyond just your credit score
Alt Doc applications considered

Any loan applications are subject to the Pepper Money team completing responsible lending checks and considering your/every customers individual circumstances.

Don't let your credit history hold you back

Why let something in the past decide your future? We get it, real life happens and just because you had some credit issues before doesn’t mean that your options should be limited. That’s why we get to know you – the person behind the credit score. If we can help you find a way forward, we will.

Learn More

How could a Pepper Money home loan help?

Cash-out, including for renovations when refinancing
Borrow up to 85% of the property value
Deal directly with a decision-maker
Get started with 6 months' business banking documentation
We look beyond just your credit score
Alternative documentation applications considered

Any loan applications are subject to the Pepper Money team completing responsible lending checks and considering your/every customers individual circumstances.

Your Loan, Your Rate

Discover our flexible approach to home loans. We look at a range of factors (including your financial situation, credit history and property) to provide eligible borrowers with an interest rate estimate. Talk to a lending specialist to find out where you stand.

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