Specialist Alt Doc — Owner Occupied
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR ≤80%
Pepper Money Home Loan Rates
Active products
36
Lowest variable
6.74%
Lowest fixed
—
Lowest comparison
6.78%
Last updated
29 Apr 2026
Pepper Money is one of Australia's largest non-bank lenders, ASX-listed and headquartered in Sydney. Specialising in near-prime, alt-doc and credit-impaired home loans that the Big 4 typically decline, Pepper offers Full Doc, Alt Doc and Specialist tiers with risk-based pricing. Loans settle via mortgage-manager networks and Pepper's broker channel — no direct-to-consumer arm.
1 Pepper Money home loan products
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