Key features of a Stratton Home Loan

  • 90 day loan approval 
  • Borrow up to 95% of the property value (fees & eligibility criteria apply)
  • Additional income sources considered 
  • Alternative income documentation accepted
  • Variable and 2 – 10 year fixed rate options 
  • Flexible credit assessment 
  • Unlimited extra repayments
  • No Establishment Fees (one standard valuation included)
  • No Monthly Administration Fees

A home loan that could help open more doors

Whether you’re buying your first property, refinancing or even buying an investment – applying for a home loan usually isn’t the most exciting part of buying your property. We’re here to help take a little bit of stress out of the process. Our flexible credit assessment factors in the ups and downs of real life, making sure you’re always ready to get ahead.  

If you’re worried about your work history or other mortgages getting in the way, then talk to us. We can work together to try and find a way forward.


What’s a flexible credit assessment? 

We’re glad you asked, because it’s one of the things that sets us apart from the big banks. We don’t just look at the headline numbers on your home loan application, we make the effort to get to know you – the person behind the application.

We ask the questions that matter and look to uncover the meaning behind any blips on your credit report, which allows us to make an informed decision and an interest rate based on your ability to repay a loan with us. Interest rates are determined using a range of factors (including your property goals, income, and financial details).



Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.
Stratton Home Loans is a brand name of Stratton Finance Pty Ltd ABN 63 070 636 903 Australian Credit Licence 364340. Credit for Stratton Home Loans is provided by Pepper Finance Corporation Limited ABN 51 094 317 647.  Pepper Money Limited ABN 55 094 317 665, Australian Financial Services and Australian Credit Licence 286655, is the servicer of home loans provided by Pepper Finance Corporation Limited.

Why a Stratton Home Loan?

We’ll aim to get you a decision within 2 business days. Take that, big banks!

We look beyond just your credit score. Talk through your situation with us and we’ll look for options before saying ‘no’

You’re never alone - we’ll help guide you through the process.