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7.99
% p.a
Variable
8.26
% p.a
$2,313
based on $300,000 loan amount for 25 years at 7.99%
Calculate your repayments for this loan
Your estimated repayment
$2,313
based on $300,000 loan amount for 25 years at 7.99%
Pepper home loans are available through brokers who can help find the right loan and manage your application at no charge.
Ashley Batchelor
Get expert advice from a home loans specialist.
Having worked in finance both in Australia, Europe and Asia, Ashley has worked in numerous local and global finance companies. He holds a Bachelor of Commerce (Economics and Finance) and a Graduate Diploma in Finance Broking. With nearly 20 years of financial services experience, Ashley can help navigate the financial landscape and help you find the most appropriate solution for your unique situation.
Response time: in 31 minutes | Our brokers call during business hours between 9.00am to 6.00pm.
MICHAEL EVANS
Get expert advice from a home loans specialist.
CA – Chartered Accountant Cert IV – Finance and Mortgage Broker Agents Representative – Real Estate Bachelor of Business – (Acct) Michael started his finance and accounting career as an Accounting graduate at KPMG. He has spent his career focused on finance and accounting, working with small to medium size business for many years. Michael’s extensive experience in the Real Estate and Property industry gives him solid knowledge of all of the steps involved in buying, selling, financing and managing property transactions. Michael has owned investment properties across Australia and has been involved in small to medium scale property developments in a variety of roles. Michael has worked across many industries throughout his career including, Real Estate, Property Development, Construction, Marketing and Advertising. Michael understands business and business structures, he has extensive knowledge of the varied requirements for business finance, from equipment through to property and business finance. Michael is focused on finding the best outcome for all of his clients, and providing personalised service.
Response time: in 31 minutes | Our brokers call during business hours between 9.00am to 6.00pm.
John Fulford
Get expert advice from a home loans specialist.
John enjoy’s helping people achieve their goals and has a passion for property. For 2 years now at Newcastle Finance Brokers he has been helping people find the best products and loans to suit his clients. John holds his Cert IV and Diploma in Finance & Mortgage broking.
Response time: in 32 minutes | Our brokers call during business hours between 9.00am to 6.00pm.

Low Rate Home Loan - Prime (Owner Occupied) (Principal and Interest)

Gold Award Winner 2022
2.64
% p.a
Variable
2.64
% p.a
Do you have 40% deposit or equity available? Pay no ongoing fees and enjoy access to extra repayments and a redraw facility for your owner-occupied home loan.
Quick home loan review
For Pepper Advantage Home Loan (LVR 90%-95%) (Principal & Interest)
These are the benefits of this home loan.
- 100% full offset account
- Suitable for low deposits
- Parents can sign as guarantor
- Extra repayments and redraw facility
- Free redraw facility
- Split account option
These are the drawbacks of this home loan.
- Higher than average interest rate
- Ongoing fee
- Higher than average upfront fee
- Discharge fee at end of loan
- No repayment holidays
Home loan overview
For Pepper Advantage Home Loan (LVR 90%-95%) (Principal & Interest)
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 95% | Total Repayments $693,900 |
Interest rate type Variable | |
Borrowing range
$50k
-
$650k
| Suitable for Owner Occupiers |
Loan term range 10 - 40 years | Principal & interest |
Interest only | Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA |
Features
Extra repayments Unlimited extra repayments | Offset account 100% offset account |
Redraw facility Redraw fee: $0 | Split interest facility |
Loan portable | Repayment holiday available |
Allow guarantors | Available for first home buyers |
Fees
Total estimated upfront fees 1,725 | Application fee 995 |
Legal fee $330 | Valuation fee $0 |
Settlement fee 0 | Other upfront fee 400 |
Ongoing fee $15 monthly | Discharge fee 500 |
Application method
Online | Phone |
Broker | In branch |
Target Market Determination
Visit Pepper Money to view Target Market Determination.
Other Restrictions
Interest Only not available for loan terms greater than 30 years. Other Upfront Fee: $400 Title Protection Fee
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