Low rates and fees -Pepper offers a range of interest rates for different situations that are among the lowest in the specialty mortgage sector. Similarly, our fees (including deferred establishment fees) are among the most competitive in the market.

Fast turnaround times -Mortgage professionals can get a preliminary approval within two hours on a one-page Pepper Quick Enquiry Form. They can get a conditional approval within eight working hours, without the need to pay any upfront fees in advance.

Flexible lending criteria -Pepper can lend to the self-employed, casual or part-time workers; contract or seasonal workers; people with irregular savings patterns; those with varying degrees of credit impairment; discharged bankrupts; people seeking to consolidate their consumer debts; and many others whose financial situation is adversely impacted by certain life events.