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Aussie Activate

Every product Aussie Activate publishes under the Consumer Data Right, with its rates set beside every other lender's. It last changed one on 10 Oct 2026.

  • Australian credit licence and AFS licence 286655, held by Pepper Money Limited; credit licence since 1 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
  • A non-bank lender: it lends but takes no deposits, and publishes its products under the Consumer Data Right like the banks. 12 of its 18 products are Pepper Money's, sold under this brand at the same rates and fees.

18 products in 1 category

All of them home loans

Aussie Activate's rates today

Aussie Activate's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 28 October 2026. Only products anyone can apply for are counted.

Where Aussie Activate sits among every institution's best

Aussie Activate 7.34%Everyone else, 102 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateAussie ActivateBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR7.34%Prime Home Loan - Prime Full Doc5.69%AAA Financial Corporation's Portfolio Loan6.36%of 102 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR7.94%Prime Home Loan - Prime Full Doc6.09%Border Bank's Customs Value Home Loan6.69%of 79 institutions

Aussie Activate home loan repayments

Repayments at Aussie Activate's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariablePrime Home Loan - Prime Full Doc
    7.34%7.42% comparison
    $4,130a month

    $886,709 in interest, $1,486,709 repaid in all

  2. 2-year fixedPrime Home Loan - Prime Full Doc
    7.84%7.52% comparison
    $4,336a month

    $960,906 in interest, $1,560,906 repaid in all

  3. 3-year fixedPrime Home Loan - Prime Full Doc
    7.94%7.59% comparison
    $4,378a month

    $975,906 in interest, $1,575,906 repaid in all

  4. 5-year fixedPrime Home Loan - Prime Full Doc
    8.14%7.79% comparison
    $4,461a month

    $1,006,063 in interest, $1,606,063 repaid in all

  5. Investor variablePrime Home Loan - Prime Full Doc
    7.54%7.62% comparison
    $4,212a month

    $916,224 in interest, $1,516,224 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Aussie Activate's own calculator: confirm the rate with Aussie Activate before you apply.

Aussie Activate home loan rates

Compare across lenders

18 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 7.34%, with a comparison rate of 7.42%, on its Prime Home Loan - Prime Full Doc: 98th lowest of 102 lenders, level with one other.

Rate changes since 18 Sept 2026How every lender responded

Every published rate Aussie Activate has changed.

  1. Sat 10 Oct

Published by Aussie Activate under the Consumer Data Right, last changed by them on 10 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.