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Pepper Essential Home Loan (Prime) (Principal and Interest) (LVR < 55%)

For any query, Call: 1300 001 153
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I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • Extra low interest rate for refinancers
  • 100% full offset account
  • Extra repayments + redraw services
  • Free redraw facility
Cons:
  • Discharge fee at end of loan
  • Repayments may increase if RBA raises rates
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Fees and Features

Maximum LVR
Maximum LVR
55%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$100k - $2m
Total repayments
Total repayments
$432,300
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
10 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$1039.00
Application fee
Application fee
$599
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$440
Ongoing fee
Ongoing fee
$10 monthly
Discharge fee
Discharge fee
$250
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
55%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$100k - $2m
Total repayments
Total repayments
$432,300
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
10 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$1039.00
Application fee
Application fee
$599
Settlement fee
Settlement fee
$0
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$440
Ongoing fee
Ongoing fee
$10 monthly
Discharge fee
Discharge fee
$250
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount

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.

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