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Pepper Money

Essential Home Loan

Advertised Rate

2.59

% p.a

Variable

Comparison Rate*

2.79

% p.a

Maximum LVR
80%
Real Time Rating™

2.88

/ 5
Monthly Repayment

$1,359

based on $300,000 loan amount for 25 years at 2.59%

Advertised Rate

2.59

% p.a

Variable

Comparison Rate*

2.79

% p.a

Maximum LVR
80%
Real Time Rating™

2.88

/ 5
Monthly Repayment

$1,359

based on $300,000 loan amount for 25 years at 2.59%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,359

based on $300,000 loan amount for 25 years at 2.59%

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

Vini Paulatti

5.0
3 Reviews

Get expert advice from a home loans specialist.

Specialized in investment property (residential and commercial). Have helped many clients to overcome the borrowing capacity limitation they we all face when start building an investment property portfolio. We have a policy of long term client retention, view we want our clients to stay with us in a long term and we know that the only way to achieve is by providing a value added service to our clients.

VIC3750

CRN: 527259

Russel Gomes

Get expert advice from a home loans specialist.

In recent times, I found myself lucky to be employed in a Family-owned accountant firm. Before my departure, I've had the opportunity to meet the right network and create further opportunities. As time progressed, I became more intrigued with the financial sector and took a steady approach to get involved in the lending industry. I have completed my studies in Cert IV Finance and Mortgage Broking and hold accreditations with 40 different lenders, big and small, with which I have a good relationship. I don't shy away from complex scenarios and take what I know from each deal to improve my skills. I build on my strengths and work on my weaknesses by believing that communication and time management are the foundation for building my principles.

VIC3977

CRN: 532008

Daniel Tetlaw

Get expert advice from a home loans specialist.

I enjoy working with clients to understand their goals and deliver great outcomes for their unique situations. This requires flexibility, dotting every ‘i’, crossing every ‘t’, and striving to over deliver on my clients’ needs and expectations.

WA6027

CRN: 528660

Quick home loan review

For Pepper Essential Home Loan (Prime) (Principal and Interest) (LVR 75%-80%)

These are the benefits of this home loan.

  • Lower than average interest rate
  • 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
  • No repayment holidays

Home loan overview

For Pepper Essential Home Loan (Prime) (Principal and Interest) (LVR 75%-80%)

TMD

Details

Maximum LVR

80%

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

1,039

Application fee

599

Valuation fee

$0

Settlement fee

0

Other upfront fee

0

Ongoing fee

$10 monthly

Discharge fee

250

Application method

Online

Phone

In branch

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 80 percent, which means it requires a minimum deposit of 20 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 $1,039 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.