How I cut my home loan by 1.45 percentage points
I’ve just refinanced my home loan from one of the biggest mortgage lenders in Australia to one of the smallest. Why? I now have a much lower interest rate.
specialGet one of the lowest variable interest rates on the market and pay no application or ongoing fees
Get one of the lowest variable interest rates on the market
Smart Home Loan
Interest rate structure
$50k - $650k
Principal & interest
Loan term range
10 - 40 years
100% offset account
Unlimited extra repayments
Redraw fee: $0
Allows split interest
ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Estimated upfront fees
Minimum SMSF Amount
Other upfront fee: $400 Title Protection Fee
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.