See how we rate

Access promotional rates until 4 June 2025.

Submit a scenario

Promotional Rates

Reductions up to 0.70% p.a.

Affordability

Credit policies to help,
like 40 year loan terms 

Fast turnaround

1 business day

Give it the Pepper Money non-bank test.

Submit a scenario

Promotional rates 

 

Prime Full Doc Option1

from:
6.29
%
p.a.
Interest rate3
6.47
%
p.a.
Comparison rate4

Prime Alt Doc Option2

from:
6.79
%
p.a.
Interest rate3
6.97
%
p.a.
Comparison rate4

   

Credit policies to help with affordability

Self-employed

  • Full & Alt Doc options.  
  • Company debt excluded from credit assessment
  • Company and trust borrowers accepted 

Refinancers

  • Loans up to $5 million   
  • Unlimited debt consolidation
  • Unlimited cash out

Investors

  • No loadings for professional investors
  • No debt-to-income limits
  • Negative gearing accepted 

For more on our credit policies, check out our Quick Guide ». 

   

Information is correct as of 5 March 2025 and is subject to change. 

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Applications lodged after the Promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time.

1Prime Full Doc promotion applies to new Prime Full Doc home loan applications, for variable interest rates up to 80% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00am AEDT 5 March 2025 and 11:59pm AEST 4 June 2025.

2Prime Alt Doc promotion applies to new Prime Alt Doc home loan applications, for variable interest rates up to 85% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00am AEDT 15 October 2024 and 11:59pm AEST 4 June 2025.

3Variable interest rates range from 6.29-11.94%p.a. (Comparison interest rates range from 6.47-12.09%p.a.). Interest rates are correct as of 5 March 2025 and are subject to change at any time. The actual interest rate applicable will depend on the individual borrower’s circumstances.

4Comparison rate is calculated on a secured loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian credit licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.   

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