Deferral Calculator
Ready to take the next step?
Borrowing Power
Stamp Duty
Mortgage Repayments
Savings Goals
Need some help with your home loan?
Whether you’re confused about the purchase process, wondering what LMI or LVR mean, or are looking for help along the way, our resources are here to make sense of all that finance jargon.
The important legal bits
Information and interest rates are correct as of 15 February 2024 and subject to change at any time.
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 licenced financial or tax adviser.
All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Offers may be continued, withdrawn or changed at any time without notice.
~Pepper Money’s fixed interest rate promotion is only available for new home loan applications not previously submitted. Applications must be submitted between 12:00am AEST 17 April 2023 until 11:59pm AEST 12 May 2023 and formally approved by 5:00pm AEST 19 May 2023 (Promotion Period). A fixed rate lock application form will need to be submitted prior to 19 May 2023 to lock in the applicable fixed interest rate for 90 days, otherwise the fixed interest rate at settlement will apply. Home loan applications submitted after 12 May 2023 will be offered the current interest rates then applicable. Offer is not available to existing Pepper Money home loan borrowers. This offer is subject to change, and may be varied or withdrawn at any time.
#There is a non-refundable, minimum fee of $750 per home loan application payable at settlement to lock in a fixed interest rate for 90 days. For home loan balances greater than $500,000, the rate lock fee is 0.15% of the fixed interest rate loan balance at settlement. For example, for a fixed rate loan amount of $600,000 the rate lock fee will be $600,000 x 0.15% = $900. The lesser of the fixed interest rate at settlement or the applicable locked in fixed interest rate will be applied at settlement. The rate lock fee will be charged at settlement even if interest rates decrease after the rate lock request has been approved.
* Our interest rates:
Pepper Money variable interest rates range from 6.84%p.a.-12.19% p.a. (Comparison rates range from 7.02%p.a.-12.34%p.a.^) View all variable rates »
Pepper Money 2 year fixed interest rates range from 6.84%p.a.-12.19%p.a (Comparison rates range from 7.02%p.a.- 12.27%p.a.^). View all fixed rates » .
The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.
^ Comparison rate is 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.
Visa Debit card is issued by Indue Limited ABN 97 087 822 464 and distributed by Pepper Finance Corporation Limited ACN 094 317 647 and/or through Pepper Money accredited mortgage brokers. Refer to the Conditions of Use and Target Market Determination (TMD).
