Compare Home Loans from Pepper Money

Compare Pepper Money home loan rates & repayments. Today's top deals from one of our 30+ banks and specialty lenders.


Pepper Money is an Australian owned, people focused lender providing home loans, car loans, equipment finance and personal loans.

We work with all sorts of people and businesses from blue collar to blue chip. Whatever your circumstances, we take a uniquely flexible, human approach assessing each situation individually. Since 2001, we have helped over 100,000 Australians achieve their financial goals and we live our mission: to help people succeed.

Pepper Money is backed by funding partners like the Commonwealth Bank, National Australia Bank and Westpac. We are one of the top 300 companies listed on the Australian Securities Exchange (ASX:PEP).

At the 2016 Australian Lending Awards we were awarded Best Specialist Lender for the fourth year in a row and, for the second year in a row, Best Self-Employed Lender.

We proudly back Australian sporting ambition, being a sponsor of Western Sydney Wanderers, St Kilda Saints and Pepper Stadium.

At Pepper Money we’re about discovering new ways to finance ambition. Talk to us today about what you want to achieve.Also consider home loans from the Big4 Aussie Banks, or Compare All Home Loan Rates & Repayments

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Lender
Loan Details
Interest
Comparison
Repayments
  1. Pepper Essential

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 4.40%
      p.a. variable
    • 4.47%
      p.a. Comparison
    • $1,936
      per month*
  2. Pepper Essential

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 85%%
    • 4.64%
      p.a. variable
    • 4.71%
      p.a. Comparison
    • $1,983
      per month*
  3. Pepper Essential Plus

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 4.65%
      p.a. variable
    • 4.72%
      p.a. Comparison
    • $1,985
      per month*
  4. Pepper Essential Plus

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 85%%
    • 4.74%
      p.a. variable
    • 4.81%
      p.a. Comparison
    • $2,003
      per month*
  5. Pepper Easy

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 5.64%
      p.a. variable
    • 5.74%
      p.a. Comparison
    • $2,194
      per month*
  6. Pepper Easy

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 85%%
    • 6.30%
      p.a. variable
    • 6.40%
      p.a. Comparison
    • $2,335
      per month*
  7. Pepper Easy

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 6.68%
      p.a. variable
    • 6.78%
      p.a. Comparison
    • $2,418
      per month*
  8. Pepper Advantage

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 6.70%
      p.a. variable
    • 6.80%
      p.a. Comparison
    • $2,422
      per month*
  9. Pepper Advantage

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 85%%
    • 7.05%
      p.a. variable
    • 7.15%
      p.a. Comparison
    • $2,500
      per month*
  10. Pepper Advantage Plus

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 80%%
    • 7.19%
      p.a. variable
    • 7.30%
      p.a. Comparison
    • $2,531
      per month*
  11. Pepper Advantage

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%%
    • 8.10%
      p.a. variable
    • 8.21%
      p.a. Comparison
    • $2,740
      per month*

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided