A home loan solution for borrowers with a clear credit history.
2.59% p.a.
2.79% p.a.
Got a clear credit history and looking for a home loan solution? Pepper Essential might be an option for you.
Get a quick estimate of how much you could borrow with Pepper Money.
| Loan purpose | Purchase or refinance of owner occupied or investment properties. Cash out available for specified purposes |
| Maximum LVR | Borrow up to 95% of the property’s value for purchases and up to 90% for refinance |
| Maximum amount | $2,000,000 for LVRs less than 70% |
| Minimum amount | $100,000 |
| Maximum term | 30 years (subject to expected retirement age) |
| Minimum term | 10 years |
| Interest structure | Principal and Interest or Interest Only (Interest only maximum 5 years followed by Principal and Interest) |
| Repayment frequency | Weekly, fortnightly or monthly (interest only is monthly) |
| Extra payments | Permitted |
| Offset account |
Yes - 100% interest offset sub-account is available |
Like to know more: Call us now 137 377. View the detailed product summary.
In the current environment, some of our regular home loan options may not be available. We are happy to discuss your situation to see if we can help.
Work out how much you may be able to borrow in today's home loan marketplace.
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Work out your monthly or fortnightly mortgage repayments and the total interest payable for the life of the loan.
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Work out how much stamp duty you may need to pay on a property in each state in Australia.
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Ready to apply or want to discuss your home loan needs?
Get a quick estimate of how much you could borrow with Pepper Money.
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Make an enquiry today and a Lending Specialist will contact you as soon as possible.
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Speak to a Home Lending Specialist on 137 377. They're here to help.
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Here are some handy tips and guides to help you on your home loan journey.
Important Information
All applications are subject to Pepper's credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Offers may be continued, withdrawn, or changed at any time without notice.
**Pepper Money interest rate promotion is available for a limited time only for new Pepper Essential/Prime, Pepper Easy/Near Prime and Pepper Advantage/Specialist home loan applications, submitted from 12:00am AEDT 17 December 2021. Offer is not available on existing Pepper home loans. This offer is subject to change, and may be varied or withdrawn at any time.
*For a limited time only, Pepper Essential/Prime home loan variable interest rates range from 2.25-4.19%p.a. (Comparison rates range from 2.45-4.38%p.a.), Pepper Easy/Near Prime home loan variable interest rates range from 3.19-6.74%p.a. (Comparison rates range from 3.48-7.01%p.a.), and Pepper Advantage/Specialist home loan variable interest rates range from 4.29-7.49%p.a. (Comparison rates range from 4.59-7.79%p.a.). All Pepper home loan variable interest rates are correct as at 17 December 2021 and are subject to change at any time. The actual interest rate applicable will depend on the individual borrower's circumstances. This offer is subject to change, and may be varied or withdrawn at any time.
^All Comparison Rates are calculated based on a secured loan of $150,000 and a term of 25 years. 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.
