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Pepper Essential (Prime) (LVR 75%-80%)

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • No ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
  • Free redraw facility
Cons:
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$100k - $1mCalculate how much you can borrow »
Total repayments
Total repayments
$598,752View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors, Owner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$1039
Application fee
Application fee$599
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$440
Ongoing fee
Ongoing fee
$10 monthly
Discharge fee
Discharge fee$250
Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$100k - $1mCalculate how much you can borrow »
Total repayments
Total repayments
$598,752View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForInvestors, Owner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$1039
Application fee
Application fee$599
Settlement fee
Settlement fee$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$440
Ongoing fee
Ongoing fee
$10 monthly
Discharge fee
Discharge fee$250
Other Restrictions
Interest Only not available for loan terms greater than 30 years.

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Pepper is a specialist lender which provides home loans to customers that don’t tick all the usual boxes. Pepper specialises in loans for customers that have had credit issues in the past, as well as self-employed borrowers or customers that do not meet the traditional lending profile. Pepper has been providing unique financial products and services since 2001 and is funded by leading Australian financial institutions.

Pepper has won numerous awards including Best Specialist Lender at the 2016 Australian Lending Awards, Best Self Employed Lender and Best Specialist Lender at the 2016 Non-Bank Lending Awards.

Pepper Home Loan Calculator
Interested in an Pepper home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Pepper compares to its competitors. Simply plug in your borrowing amount below. 

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