A home loan solution for borrowers with a clear credit history.
3.69% p.a.
3.88% p.a.
Diligent with your money and a squeaky-clean credit history? Our Prime loan option offers you the flexibility to achieve your property ambitions.
To see which home loan option you qualify for, we recommend using our online calculator, where in less than five minutes we’ll estimate your repayments, eligibility and interest rate. What’s more – it won’t impact your credit score, so there’s nothing to worry about.
| 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.
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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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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
Information and interest rates are correct as at 23 June 2022 and subject to change at any time. Offers and promotions are available for a limited time and may be continued, withdrawn, or changed at any time without notice.
All applications are subject to Pepper's credit assessment and loan eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
*Pepper Essential/Prime home loan variable interest rates range from 3.39-5.84%p.a. (Comparison rates range from 3.59%-5.72%p.a.^), Pepper Clear/ Near Prime home loan variable interest rates range from 4.24-7.94%p.a. (Comparison rates range from 4.52-7.90%p.a^.), Pepper Easy Near Prime home loan variable interest rates range from 4.30-8.09%p.a. (Comparison rates range from 4.58-8.05%p.a^.), and Pepper Advantage/Specialist home loan variable interest rates range from 5.19-9.04%p.a. (Comparison rates range from 5.49-9.05%p.a^.). 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 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.
Comparison rates for Variable Interest Only home loans are based on an initial 5-year Interest Only period.
