Pepper Easy Plus Home Loan (LVR < 65%) (Principal & Interest)
Discount Variable Home Loan
special
$0 application feeMake the move to UBank's award winning home loan
2.84%
Variable
2.84%
Owner Occupier Discounted Variable Rate
5.11%
Variable
5.48%
$1,359
Pros
- 100% full offset account
- Extra repayments + redraw services
- Free redraw facility
- Repayments may decrease if RBA cuts rates
Cons
- Discharge fee at end of loan
- Repayments may increase if RBA raises rates
Maximum LVR 65% | Interest rate structure Variable |
Borrowing range $50k - $2.5m | Total Repayments $489,240 |
Principal & interest | Interest only |
Loan term range 10 - 40 years | Offset account 100% offset account |
Extra repayments Unlimited extra repayments | Redraw facility Redraw fee: $0 |
Allows split interest | Suitable For Investors, Owner Occupiers |
Applicable States ACT, NSW, NT, QLD, SA, TAS, VIC, WA | |
Estimated upfront fees $1435 | Application fee $995 |
Settlement fee $0 | Valuation fee $0 |
Legal fee $440 | Ongoing fee $15 |
Discharge fee $250 | Property Type |
SMSF Trustee | Minimum SMSF Amount |
Aggregator |
Interest Only not available for loan terms greater than 30 years. Other Upfront Fee: $400 Title Protection Fee
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Pepper is a non-bank lender that has served over 100,000 Australians since 2001. Pepper is a specialist lender that provides home loans to customers that fall outside traditional borrower profiles.
Pepper has won several awards, including Best Non-Bank Lender in 2018, and Best Specialist Lender and Best Self Employed Lender for 6 years in a row.
Pepper has created a range of home loan products that serve non-traditional borrowers, including options for the self-employed; for those who have had credit issues; and for those who are over-committed financially.
