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Pepper Money

Clear Plus Home Loan

Interest Rate

6.24

% p.a

Variable

Comparison Rate*

6.50

% p.a

Maximum LVR
90%
Real Time Rating™

2.03

/ 5
Monthly Repayment

$1,977

based on $300,000 loan amount for 25 years at 6.24%

Interest Rate

6.24

% p.a

Variable

Comparison Rate*

6.50

% p.a

Maximum LVR
90%
Real Time Rating™

2.03

/ 5
Monthly Repayment

$1,977

based on $300,000 loan amount for 25 years at 6.24%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,977

based on $300,000 loan amount for 25 years at 6.24%

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"

VIC3000

CRN: 444210

Neil McKay

5.0
6 Reviews

Get expert advice from a home loans specialist.

I have over 20 years experience helping consumers and SME business owners find the right funding solution when they are making important decisions on property ownership and investment. Our business Opibus Finance has a diverse panel of lenders who can assist all types of borrowers from the first home buyer or people upgrading their home through to the savvy investor. I am passionate about assisting them to secure a loan that has terms, conditions, and interest rates that suit their financial requirements. I bring to the market complete transparency to the options available. On every transaction I ask what is important to the client and make myself accountable for delivering those requirements. I want you to be completely satisfied with the process and the outcome.

VIC3121

CRN: 537543

Danny Lang

5.0
39 Reviews

Get expert advice from a home loans specialist.

Danny’s goal is to make a positive impact on people's lives by helping them achieve their financial goals. With regular training and over 6 years of experience in the finance industry, Danny ensures his knowledge continues to develop to provide financial solutions for his clients. SERVICES PROVIDED: - Refinancing - First Home Buyer - Debt Consolidation - Property Investment - Vehicle Finance - Personal Loans - Residential and Commercial Loans

VIC3004

CRN: 503408

Quick home loan review

For Pepper Clear Plus Home Loan (Prime) (Principal and Interest) (LVR 85%-90%)

These are the benefits of this home loan.

  • 100% full offset account
  • 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 Clear Plus Home Loan (Prime) (Principal and Interest) (LVR 85%-90%)

TMD

Details

Maximum LVR

90%

Total Repayments

Next LVR

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 $1,000,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 90 percent, which means it requires a minimum deposit of 10 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.