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Pepper Money

Every product Pepper Money 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.

21 products in 3 categories

  1. Home loans18
  2. Personal loans2
  3. Business loans1

Pepper Money's rates today

Pepper Money'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 Pepper Money sits among every institution's best

Pepper Money 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.

RatePepper MoneyBest 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

Pepper Money home loan repayments

Repayments at Pepper Money'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%7.52% 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%7.62% 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%7.70% 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%7.89% 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%7.72% 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 Pepper Money's own calculator: confirm the rate with Pepper Money before you apply.

Pepper Money 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 7.52%, on its Prime Home Loan - Prime Full Doc: 98th lowest of 102 lenders, level with one other.

Pepper Money personal loan rates

Compare across lenders

2 products

Pepper Money business loan rates

Compare across lenders

1 product

Rate changes since 18 Sept 2026How every lender responded

Every published rate Pepper Money has changed.

  1. Sat 10 Oct

Published by Pepper Money 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.