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Pepper Money

Clear Home Loan

Interest Rate

3.79

% p.a

Variable

Comparison Rate*

4.07

% p.a

Maximum LVR
65%
Real Time Rating™

2.03

/ 5
Monthly Repayment

$1,549

based on $300,000 loan amount for 25 years at 3.79%

Interest Rate

3.79

% p.a

Variable

Comparison Rate*

4.07

% p.a

Maximum LVR
65%
Real Time Rating™

2.03

/ 5
Monthly Repayment

$1,549

based on $300,000 loan amount for 25 years at 3.79%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,549

based on $300,000 loan amount for 25 years at 3.79%

Pepper home loans are available through brokers who can help find the right loan and manage your application at no charge.

Lumbini Wekunagoda

5.0
115 Reviews

Get expert advice from a home loans specialist.

Lumbini Wekunagoda is the founder of Melfinance. A boutique Mortgage Broker firm in Melbourne. Lumbini has a passion for helping his clients make their financial life easier. Lumbini specialises in helping people achieve their financial goals. Our goal is to educate you and empower you. With over 10 years in the Mortgage Broker Industry, Lumbini is highly experienced and known for his tenacity in helping his clients. Lumbini also has a diploma in Mortgage Broking, MBA from the University of Wales, Cert IV, MFAA, ASIC registered and licensed Mortgage Broker. Lumbini is known for giving as much of his time as is required to each client. No question is too small and no task too big. Lumbini’s clients feel as though they truly have someone on their side throughout the process. A real advocate for them who makes the whole process easy and stress-free. He also leaves them feeling comfortable that they are fully educated and empowered to make informed decisions with zero remorse. "Why do I like my role as a Mortgage Broker? I do this because I get enormous satisfaction from helping people achieve their goals and educating the. Seeing a client in a better positon after I have helped them gives me a huge buzz"

Response time: in 31 minutes | Our brokers call during business hours between 9.00am to 6.00pm.

MICHAEL EVANS

5.0
5 Reviews

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.

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.

Quick home loan review

For Pepper Clear Home Loan (Prime) (Principal and Interest) (LVR 55%-65%)

These are the benefits of this home loan.

  • Interest rates ranked in the best 20%
  • 100% full offset account
  • Extra repayments and redraw facility
  • Free redraw facility
  • Split account option

These are the drawbacks of this home loan.

  • Ongoing fee
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • Maximum loan amount is limited to 65% of the property's value
  • No repayment holidays

Home loan overview

For Pepper Clear Home Loan (Prime) (Principal and Interest) (LVR 55%-65%)

TMD

Details

Maximum LVR

65%

Total Repayments

Interest rate type

Variable

Borrowing range

Suitable for

Owner Occupiers

Loan term range

10 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Unlimited extra repayments

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

1,325

Application fee

995

Valuation fee

$0

Settlement fee

0

Other upfront fee

0

Ongoing fee

$15 monthly

Discharge fee

500

Application method

Online

Phone

In branch

Available
Not available
Data not captured

Target Market Determination

Visit Pepper Money to view Target Market Determination.

Embed

Pepper is available through brokers

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $100k to $2,000,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 65 percent, which means it requires a minimum deposit of 35 percent

What's the maximum length for this loan?

Pepper Money allows you to have this loan for a range of 10 to 30 years.

How often can you make repayments?

Pepper Money allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $1,325 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

How do you apply for this loan?

To apply for this loan, please contact Pepper Money.

Can a broker help me with this loan?

Yes, this Pepper Money loan is available through a broker. Find a broker to help you with your needs.