Mortgage Choice Ignite
Every product Mortgage Choice Ignite 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. Every product here is Pepper Money's, sold under this brand at the same rates and fees.
18 products in 1 category
All of them home loansMortgage Choice Ignite home loan rates
Compare across lenders18 products
- Near Prime Non-standard regulated consumer loan (CRE Loan) - Near Prime Alt DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 9.19%
- Variable (investor P&I)
- 9.19%
- Max LVR
- 80%
- Near Prime Non-standard regulated consumer loan (CRE Loan) - Near Prime Full DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 8.79%
- Variable (investor P&I)
- 8.79%
- Max LVR
- 80%
- Non-Conforming Construction Loan - Near Prime Alt DocSame as Pepper Money's
- Max LVR
- 85%
- Annual fee
- $180
- Features
- offset, redraw, extra repayments
- Non-Conforming Construction Loan - Near Prime Full DocSame as Pepper Money's
- Max LVR
- 95%
- Annual fee
- $180
- Features
- offset, redraw, extra repayments
- Non-Conforming Home Loan - Ignite Assist Alt DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 9.19%, 9.48% comparison
- Variable (investor P&I)
- 9.54%
- Fixed
- 2 yrs 9.69%, 3 yrs 9.79%, 5 yrs 9.99%
- Non-Conforming Home Loan - Ignite Assist Full DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 8.89%, 9.18% comparison
- Variable (investor P&I)
- 9.24%
- Fixed
- 2 yrs 9.39%, 3 yrs 9.49%, 5 yrs 9.69%
- Non-Conforming Home Loan - Ignite Assist Plus Alt DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 10.39%, 10.69% comparison
- Variable (investor P&I)
- 10.74%
- Fixed
- 2 yrs 10.89%, 3 yrs 10.99%, 5 yrs 11.19%
- Non-Conforming Home Loan - Ignite Assist Plus Full DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 9.99%, 10.29% comparison
- Variable (investor P&I)
- 10.34%
- Fixed
- 2 yrs 10.49%, 3 yrs 10.59%, 5 yrs 10.79%
- Non-Conforming Home Loan - Ignite Near Prime Alt DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 8.14%, 8.40% comparison
- Variable (investor P&I)
- 8.49%
- Fixed
- 2 yrs 8.64%, 3 yrs 8.74%, 5 yrs 8.94%
- Non-Conforming Home Loan - Ignite Near Prime Clear Alt DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 7.94%, 8.20% comparison
- Variable (investor P&I)
- 8.29%
- Fixed
- 2 yrs 8.44%, 3 yrs 8.54%, 5 yrs 8.74%
- Non-Conforming Home Loan - Ignite Near Prime Clear Full DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 7.49%, 7.75% comparison
- Variable (investor P&I)
- 7.84%
- Fixed
- 2 yrs 7.99%, 3 yrs 8.09%, 5 yrs 8.29%
- Non-Conforming Home Loan - Ignite Near Prime Full DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 7.94%, 8.20% comparison
- Variable (investor P&I)
- 8.29%
- Fixed
- 2 yrs 8.44%, 3 yrs 8.54%, 5 yrs 8.74%
- Prime Construction Loan - Prime Alt DocSame as Pepper Money's
- Max LVR
- 85%
- Annual fee
- $120
- Features
- offset, redraw, extra repayments
- Prime Construction Loan - Prime Full DocSame as Pepper Money's
- Max LVR
- 95%
- Annual fee
- $120
- Features
- offset, redraw, extra repayments
- Prime Home Loan - Ignite Prime Alt DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 7.19%, 7.47% comparison
- Variable (investor P&I)
- 7.39%
- Fixed
- 2 yrs 7.69%, 3 yrs 7.79%, 5 yrs 7.99%
- Prime Home Loan - Ignite Prime Full DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 6.99%, 7.17% comparison
- Variable (investor P&I)
- 7.19%
- Fixed
- 2 yrs 7.49%, 3 yrs 7.59%, 5 yrs 7.79%
- Prime Non-standard regulated consumer loan (CRE Loan) - Prime Alt DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 8.69%
- Variable (investor P&I)
- 8.69%
- Max LVR
- 80%
- Prime Non-standard regulated consumer loan (CRE Loan) - Prime Full DocSame as Pepper Money's
- Variable (owner occ. P&I)
- 8.04%
- Variable (investor P&I)
- 8.04%
- Max LVR
- 80%
Rate changes since 18 Sept 2026How every lender responded
Every published rate Mortgage Choice Ignite has changed.
Sat 10 Oct
Mortgage Choice Ignite lifted 404 variable home loan rates by 0.05 to 0.25 percentage points.
0.05 to 0.25- Prime Home Loan - Ignite Prime Full Doc (32 rates)
- Prime Home Loan - Ignite Prime Alt Doc (32 rates)
- Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc (32 rates)
- Non-Conforming Home Loan - Ignite Near Prime Clear Alt Doc (28 rates)
- Non-Conforming Home Loan - Ignite Near Prime Full Doc (32 rates)
- Non-Conforming Home Loan - Ignite Near Prime Alt Doc (24 rates)
- Non-Conforming Home Loan - Ignite Assist Full Doc (32 rates)
- Non-Conforming Home Loan - Ignite Assist Alt Doc (24 rates)
- Non-Conforming Home Loan - Ignite Assist Plus Full Doc (20 rates)
- Non-Conforming Home Loan - Ignite Assist Plus Alt Doc (16 rates)
- and 8 more
Mortgage Choice Ignite cut 12 variable home loan rates by 0.05 to 0.10 percentage points.
0.05 to 0.10Mortgage Choice Ignite lifted 1088 fixed home loan rates by 0.25 percentage points.
0.25- Prime Home Loan - Ignite Prime Full Doc (128 rates)
- Prime Home Loan - Ignite Prime Alt Doc (128 rates)
- Non-Conforming Home Loan - Ignite Near Prime Clear Full Doc (128 rates)
- Non-Conforming Home Loan - Ignite Near Prime Clear Alt Doc (112 rates)
- Non-Conforming Home Loan - Ignite Near Prime Full Doc (128 rates)
- Non-Conforming Home Loan - Ignite Near Prime Alt Doc (96 rates)
- Non-Conforming Home Loan - Ignite Assist Full Doc (128 rates)
- Non-Conforming Home Loan - Ignite Assist Alt Doc (96 rates)
- Non-Conforming Home Loan - Ignite Assist Plus Full Doc (80 rates)
- Non-Conforming Home Loan - Ignite Assist Plus Alt Doc (64 rates)
Published by Mortgage Choice Ignite 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.