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Loan details

What's the value of the property?

If unsure, enter an estimate

How much deposit do you have? Hint The minimum deposit required by Pepper on some products is 5% plus additional Pepper fees and government charges apply.

Hint: the minimum deposit required by Pepper on some products is 5%.

How much do you need to borrow? Hint For example: If you are looking at a property worth $500,000 and you have a deposit of $100,000. Then the amount you need to borrow is $400,000.

Hint: this is the property price minus your deposit.

What's the loan amount?: Please enter a value. Numbers only e.g. 500000. Minimum loan amount is 10000.

What suburb is the property?: Please enter and select a suburb or area for the property

What's the estimated weekly rental value?: Please enter a value (numbers only e.g. 2000). Minimum of 2 digits.

Expenses

How many dependants do you have? Hint The number of children or dependents under 18 years of age in your care or that you are financially responsible for.: Please tell us how many dependants you have

What are your current monthly repayments? Hint Include any ongoing mortgage repayments, personal loans or car loans: Please enter a value (numbers only e.g. 2000). If this does not apply, enter '0'.

What are your current monthly living expenses? Hint Consider what you spend on bills, transport, food, entertainment etc: Please enter a value (numbers only e.g. 2000). If this does not apply, enter '0'.

What is your total limit on all your credit cards?: Please enter a value (numbers only e.g. 5000). If this does not apply, enter '0'.

: Borrower 1

: Borrower 2

Important Information
This calculator is to be used as a guide only and is based on the accuracy of the limited information you have provided. The result does not constitute a quote, pre-qualification, formal approval for credit or an offer for credit and you should not enter commitments based on it. The specific details of your loan if an application is approved will be provided in your loan contract. Only joint applicant information with consent may be disclosed on this platform.

*Pepper Essential home loan variable interest rates range from 3.12-5.24%p.a. (Comparison rates range from 3.32%-5.61%p.a.) until 31 December 2019. Pepper Easy home loan variable interest rates range from 4.26-7.61%p.a. (Comparison rates range from 4.63%-8.24%p.a.). Pepper Advantage home loan variable interest rates range from 5.51%-8.11%p.a. (Comparison rates range from 5.88%-8.72%p.a.). All Pepper home loan variable interest rates are correct as at 1 October 2019 and are subject to change at any time. The actual interest rate applicable will depend on the individual borrower's circumstances.

**Pepper Money interest rate promotion applies only for new Pepper Essential applicants. Offer does not apply to existing borrowers. Applications must be submitted between 3pm AEDT 1^st October 2019 and until 11:59pm AEDT on 31^st December 2019. Home loan applications lodged after the promotional period will be offered the current interest rates then applicable. Offer may be continued, withdrawn or changed at any time without notice. Applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Fees and charges are payable.

^Warning: The comparison rate stated in advertising is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. All Comparison Rates are calculated based on a secured loan of $150,000 over a 25 year term.

Note - All applications are subject to Pepper's normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply.

Pepper Group Ltd ACN 094 317 665 Australian Credit Licence number 286655 is the servicer of loans by Pepper Finance Corporation Limited ACN 094 317 647. Personal information is collected, used and disclosed in accordance with Pepper’s Privacy Policy.

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Make the most of these variable rates until 31 December 2019.

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