Product and Rates Schedule

Click on Prime, Near-Prime or Specialist to see the rates* for the Aussie range of Pepper Money products.

Prime Near Prime Specialist

Pepper Prime - Full Doc

Pepper Prime - Plus Full Doc

Pepper Prime - Alt Doc

Pepper Prime - PLUS Alt Doc

Pepper Near Prime - Full Doc

Pepper Near Prime - Full Doc Plus

Pepper Near Prime - Alt Doc

Pepper Near Prime - Alt Doc Plus

Pepper Specialist - Full Doc

Pepper Specialist - Plus Full Doc

Pepper Specialist - Alt Doc

Pepper Specialist - PLUS Alt Doc

  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    LPF
  • Up to 55%
    4.04%
    4.23%
    n/a
  • >55% up to 65%
    4.20%
    4.39%
    n/a
  • >65% up to 70%
    4.24%
    4.43%
    n/a
  • >70% up to 75%
    4.30%
    4.49%
    n/a
  • >75% up to 80%
    4.40%
    4.59%
    n/a
  • >80% up to 85%
    4.64%
    4.83%
    LPF Calculator
  • >85% up to 90%
    4.79%
    5.15%
    LPF Calculator
  • >90%** up to 95%
    4.99%
    5.49%
    LPF Calculator
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    LPF
  • Up to 55%
    4.54%
    4.73%
    n/a
  • >55% up to 65%
    4.70%
    4.89%
    n/a
  • >65% up to 70%
    4.74%
    4.93%
    n/a
  • >70% up to 75%
    4.80%
    4.99%
    n/a
  • >75% up to 80%
    4.90%
    5.09%
    n/a
  • >80% up to 85%
    5.14%
    5.49%
    LPF Calculator
  • >85% up to 90%
    5.59%
    6.02%
    LPF Calculator
  • >90%** up to 95%
    5.85%
    6.50%
    LPF Calculator
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    LPF
  • Up to 55%
    4.54%
    4.73%
    n/a
  • >55% up to 65%
    5.04%
    5.23%
    n/a
  • >65% up to 70%
    5.24%
    5.43%
    n/a
  • >70% up to 75%
    5.34%
    5.63%
    LPF Calculator
  • >75% up to 80%
    5.44%
    5.73%
    LPF Calculator
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    LPF
  • Up to 55%
    5.04%
    5.23%
    n/a
  • >55% up to 65%
    5.54%
    5.73%
    n/a
  • >65% up to 70%
    5.74%
    5.93%
    n/a
  • >70% up to 75%
    5.84%
    6.17%
    LPF Calculator
  • >75% up to 80%
    5.94%
    6.27%
    LPF Calculator
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    MRF***
  • Up to 60%
    5.09%
    5.32%
    0.50%
  • >60% up to 65%
    5.49%
    5.71%
    0.50%
  • >65% up to 70%
    5.74%
    6.01%
    1.00%
  • >70% up to 75%
    6.34%
    6.64%
    1.25%
  • >75% up to 80%
    6.44%
    6.77%
    1.50%
  • >80% up to 85%
    6.69%
    7.05%
    1.75%
  • >85% up to 90%
    7.49%
    7.88%
    2.00%
  • >90%** up to 95%
    7.59%
    8.16%
    3.50%
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    MRF***
  • Up to 60%
    5.24%
    5.46%
    0.50%
  • >60% up to 65%
    5.64%
    5.86%
    0.50%
  • >65% up to 70%
    5.89%
    6.16%
    1.00%
  • >70% up to 75%
    6.49%
    6.79%
    1.25%
  • >75% up to 80%
    6.59%
    6.92%
    1.50%
  • >80% up to 85%
    6.84%
    7.20%
    1.75%
  • >85% up to 90%
    7.64%
    8.03%
    2.00%
  • >90%** up to 95%
    7.74%
    8.31%
    3.50%
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    MRF***
  • Up to 60%
    5.49%
    5.71%
    0.50%
  • >60% up to 65%
    5.89%
    6.11%
    0.50%
  • >60% up to 70%
    6.49%
    6.76%
    1.00%
  • >70% up to 75%
    6.59%
    6.89%
    1.25%
  • >75% up to 80%
    6.69%
    7.02%
    1.50%
  • >80%^^ up to 85%
    7.29%
    7.67%
    1.95%
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    MRF***
  • Up to 60%
    5.64%
    5.86%
    0.50%
  • >60% up to 65%
    6.04%
    6.26%
    0.50%
  • >60% up to 70%
    6.64%
    6.91%
    1.00%
  • >70% up to 75%
    6.74%
    7.04%
    1.25%
  • >75% up to 80%
    6.84%
    7.17%
    1.50%
  • >80%^^ up to 85%
    7.44%
    7.82%
    1.95%
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    MRF
  • Up to 55%
    5.69%
    5.91%
    0.50%
  • >55% up to 65%
    5.94%
    6.16%
    0.50%
  • >65% up to 70%
    6.54%
    6.81%
    1.00%
  • >70% up to 75%
    7.00%
    7.30%
    1.25%
  • >75% up to 80%
    7.20%
    7.53%
    1.50%
  • >80% up to 85%
    7.59%
    7.95%
    1.75%
  • >85%*** up to 90%
    7.99%
    8.38%
    2.00%
  • >90% up to 95%
    8.19%
    8.77%
    3.50%
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    MRF
  • Up to 55%
    6.49%
    6.71%
    0.50%
  • >55% up to 65%
    6.59%
    6.81%
    0.50%
  • >65% up to 70%
    7.19%
    7.46%
    1.00%
  • >70% up to 75%
    7.69%
    7.99%
    1.25%
  • >75% up to 80%
    8.09%
    8.42%
    1.50%
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    MRF
  • Up to 65%
    6.14%
    6.36%
    0.50%
  • >65% up to 70%
    6.89%
    7.16%
    1.00%
  • >70% up to 75%
    7.09%
    7.39%
    1.25%
  • >75% up to 80%
    7.69%
    8.02%
    1.50%
  • >80%^^ up to 85%
    8.69%
    9.08%
    1.95%
  • LVR
    Standard Rate (p.a.)
    ^Comparison Rate (p.a.)
    MRF
  • Up to 65%
    7.04%
    7.26%
    0.50%
  • >65% up to 70%
    7.54%
    7.81%
    1.00%
  • >70% up to 75%
    7.89%
    8.19%
    1.25%

Would you like to print all rates? Download rates schedule.

Fee Summary

Establishment Fee
 
Pepper Prime: $599 (includes 1 standard valuation) 
Pepper Near Prime & Pepper Specialist: $899 (includes 1 standard valuation) - Waived until Friday 01 September 2017
Lender Protection Fee Pepper Prime: Full Doc > 80% LVR and Alt Doc > 70% LVR. Refer to the LPF Calculator.
Mortgage Risk Fee Up to 3.50% of the amount advanced
Title Protection Fee Pepper Near Prime & Pepper Specialist: $349 per loan - Waived until Friday 01 September 2017
Monthly Admin Fee
 
Pepper Prime: $10 per month per account (split)
Pepper Near Prime & Pepper Specialist: $15 per month per account (split)
Legal Fees From $440 plus disbursements - Waived until Friday 01 September 2017 on Pepper Near Prime and Specialist
Discharge Fee $250 per loan account


Please refer to Pepper's loan agreement for all relevant fees and charges applicable.

Refer to Pepper Money’s Postcode Search for category lending limits. All applications are subject to Pepper’s normal credit assessment and local suitability criteria. Terms, conditions, fees and charges apply.

* Interest Rates start from this amount, are correct as at 31 July 2017 and subject to change at any time. The actual interest rate applicable will depend on the individual borrower’s circumstances.

^ All Comparison Rates are calculated based on a secured loan of $150,000 over a 25 year term. WARNING: This comparison rate 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.

 ** >90% for purchases only. Up to 90% for all other loan purposes 

^^ >80% for purchases only. Up to 80% for all other loan purposes

*** >85% for purchases only. Up to 85% for all other loan purposes

~ A 0.50% loading will apply to loan amounts >$1.0m