Pepper MoneyNon-Conforming Home Loan - Specialist Full Doc
We understand that everyone’s real-life situation is different. We look at more than just your credit score, which is why we may be able to help when others can’t. Our home loan gives you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for eligible variable interest rate loans to add 100% interest offset sub-account(s) and VISA debit card+ access (monthly fees apply).
Also sold at the same rates and fees as Mortgage Choice Ignite.
Home loansLender updated 8 Oct 2026
At a glance
- 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%
- Max LVR
- 95%
- Annual fee
- $180
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 9.19% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 101st lowest of 102 |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 9.69% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.59%of 83 institutions | 83rd lowest of 83 |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 9.79% | 6.09%Border Bank's Customs Value Home Loan | 6.69%of 79 institutions | 79th lowest of 79 |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 9.99% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.79%of 62 institutions | 62nd lowest of 62 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 9.54% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.58%of 102 institutions | 101st lowest of 102 |
Rates
Every rate Pepper Money publishes for this home loan, 160 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- Variabletypical 6.36%9.19%
- 2 yrs fixedtypical 6.59%9.69%
- 3 yrs fixedtypical 6.69%9.79%
- 5 yrs fixedtypical 6.79%9.99%
- 7 yrs fixed10.19%
- 10 yrs fixed10.59%
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤55%8.89%
- 55–65%8.89%
- 65–70%8.99%
- 70–75%8.99%
- 75–80%9.19%
- 80–85%9.99%
- 85–90%10.99%
- 90–95%11.99%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, Interest only | 2 yrs fixed | ≤55% LVR | 10.04% | 9.71% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 2 yrs fixed | 55–65% LVR | 10.04% | 9.71% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 2 yrs fixed | 65–70% LVR | 10.14% | 9.81% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 2 yrs fixed | 70–75% LVR | 10.14% | 9.81% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 2 yrs fixed | 75–80% LVR | 10.34% | 10.02% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 2 yrs fixed | 80–85% LVR | 11.14% | 10.82% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 2 yrs fixed | 85–90% LVR | 12.14% | 11.84% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 2 yrs fixed | 90–95% LVR | 13.14% | 12.85% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 3 yrs fixed | ≤55% LVR | 10.14% | 9.82% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 3 yrs fixed | 55–65% LVR | 10.14% | 9.82% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 3 yrs fixed | 65–70% LVR | 10.24% | 9.92% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 3 yrs fixed | 70–75% LVR | 10.24% | 9.92% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 3 yrs fixed | 75–80% LVR | 10.44% | 10.12% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 3 yrs fixed | 80–85% LVR | 11.24% | 10.94% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 3 yrs fixed | 85–90% LVR | 12.24% | 11.96% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 3 yrs fixed | 90–95% LVR | 13.24% | 12.98% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 5 yrs fixed | ≤55% LVR | 10.34% | 10.06% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 5 yrs fixed | 55–65% LVR | 10.34% | 10.06% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 5 yrs fixed | 65–70% LVR | 10.44% | 10.16% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 5 yrs fixed | 70–75% LVR | 10.44% | 10.16% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 5 yrs fixed | 75–80% LVR | 10.64% | 10.37% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 5 yrs fixed | 80–85% LVR | 11.44% | 11.19% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 5 yrs fixed | 85–90% LVR | 12.44% | 12.21% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, Interest only | 5 yrs fixed | 90–95% LVR | 13.44% | 13.24% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 10 yrs fixed | ≤55% LVR | 10.64% | 10.63% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 10 yrs fixed | 55–65% LVR | 10.64% | 10.63% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 10 yrs fixed | 65–70% LVR | 10.74% | 10.73% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 10 yrs fixed | 70–75% LVR | 10.74% | 10.73% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 10 yrs fixed | 75–80% LVR | 10.94% | 10.94% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 10 yrs fixed | 80–85% LVR | 11.74% | 11.76% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 10 yrs fixed | 85–90% LVR | 12.74% | 12.78% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 10 yrs fixed | 90–95% LVR | 13.74% | 13.80% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 2 yrs fixed | ≤55% LVR | 9.74% | 9.65% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 2 yrs fixed | 55–65% LVR | 9.74% | 9.65% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 2 yrs fixed | 65–70% LVR | 9.84% | 9.75% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 2 yrs fixed | 70–75% LVR | 9.84% | 9.75% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 2 yrs fixed | 75–80% LVR | 10.04% | 9.95% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 2 yrs fixed | 80–85% LVR | 10.84% | 10.76% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 2 yrs fixed | 85–90% LVR | 11.84% | 11.77% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 2 yrs fixed | 90–95% LVR | 12.84% | 12.77% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 3 yrs fixed | ≤55% LVR | 9.84% | 9.73% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 3 yrs fixed | 55–65% LVR | 9.84% | 9.73% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 3 yrs fixed | 65–70% LVR | 9.94% | 9.83% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 3 yrs fixed | 70–75% LVR | 9.94% | 9.83% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 3 yrs fixed | 75–80% LVR | 10.14% | 10.04% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 3 yrs fixed | 80–85% LVR | 10.94% | 10.84% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 3 yrs fixed | 85–90% LVR | 11.94% | 11.86% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 3 yrs fixed | 90–95% LVR | 12.94% | 12.87% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 5 yrs fixed | ≤55% LVR | 10.04% | 9.93% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 5 yrs fixed | 55–65% LVR | 10.04% | 9.93% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 5 yrs fixed | 65–70% LVR | 10.14% | 10.03% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 5 yrs fixed | 70–75% LVR | 10.14% | 10.03% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 5 yrs fixed | 75–80% LVR | 10.34% | 10.23% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 5 yrs fixed | 80–85% LVR | 11.14% | 11.04% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 5 yrs fixed | 85–90% LVR | 12.14% | 12.06% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 5 yrs fixed | 90–95% LVR | 13.14% | 13.09% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 7 yrs fixed | ≤55% LVR | 10.24% | 10.17% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 7 yrs fixed | 55–65% LVR | 10.24% | 10.17% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 7 yrs fixed | 65–70% LVR | 10.34% | 10.27% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 7 yrs fixed | 70–75% LVR | 10.34% | 10.27% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 7 yrs fixed | 75–80% LVR | 10.54% | 10.47% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 7 yrs fixed | 80–85% LVR | 11.34% | 11.29% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 7 yrs fixed | 85–90% LVR | 12.34% | 12.31% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Investment, P&I | 7 yrs fixed | 90–95% LVR | 13.34% | 13.33% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | ≤55% LVR | 9.69% | 9.36% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | 55–65% LVR | 9.69% | 9.36% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | 65–70% LVR | 9.79% | 9.46% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | 70–75% LVR | 9.79% | 9.46% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | 75–80% LVR | 9.99% | 9.66% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | 80–85% LVR | 10.79% | 10.47% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | 85–90% LVR | 11.79% | 11.48% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 2 yrs fixed | 90–95% LVR | 12.79% | 12.50% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | ≤55% LVR | 9.79% | 9.46% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | 55–65% LVR | 9.79% | 9.46% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | 65–70% LVR | 9.89% | 9.57% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | 70–75% LVR | 9.89% | 9.57% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | 75–80% LVR | 10.09% | 9.77% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | 80–85% LVR | 10.89% | 10.58% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | 85–90% LVR | 11.89% | 11.60% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | 90–95% LVR | 12.89% | 12.62% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | ≤55% LVR | 9.99% | 9.70% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | 55–65% LVR | 9.99% | 9.70% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | 65–70% LVR | 10.09% | 9.81% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | 70–75% LVR | 10.09% | 9.81% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | 75–80% LVR | 10.29% | 10.01% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | 80–85% LVR | 11.09% | 10.83% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | 85–90% LVR | 12.09% | 11.85% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, Interest only | 5 yrs fixed | 90–95% LVR | 13.09% | 12.88% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 10 yrs fixed | ≤55% LVR | 10.29% | 10.28% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 10 yrs fixed | 55–65% LVR | 10.29% | 10.28% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 10 yrs fixed | 65–70% LVR | 10.39% | 10.38% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 10 yrs fixed | 70–75% LVR | 10.39% | 10.38% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 10 yrs fixed | 75–80% LVR | 10.59% | 10.58% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 10 yrs fixed | 80–85% LVR | 11.39% | 11.40% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 10 yrs fixed | 85–90% LVR | 12.39% | 12.42% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 10 yrs fixed | 90–95% LVR | 13.39% | 13.45% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 2 yrs fixed | ≤55% LVR | 9.39% | 9.30% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 55–65% LVR | 9.39% | 9.30% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 65–70% LVR | 9.49% | 9.40% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 70–75% LVR | 9.49% | 9.40% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 75–80% LVR | 9.69% | 9.60% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 80–85% LVR | 10.49% | 10.40% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 85–90% LVR | 11.49% | 11.41% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 90–95% LVR | 12.49% | 12.43% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 3 yrs fixed | ≤55% LVR | 9.49% | 9.38% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 55–65% LVR | 9.49% | 9.38% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 65–70% LVR | 9.59% | 9.48% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 70–75% LVR | 9.59% | 9.48% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 75–80% LVR | 9.79% | 9.68% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 80–85% LVR | 10.59% | 10.49% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 85–90% LVR | 11.59% | 11.50% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 3 yrs fixed | 90–95% LVR | 12.59% | 12.51% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 5 yrs fixed | ≤55% LVR | 9.69% | 9.57% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 55–65% LVR | 9.69% | 9.57% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 65–70% LVR | 9.79% | 9.68% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 70–75% LVR | 9.79% | 9.68% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 75–80% LVR | 9.99% | 9.88% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 80–85% LVR | 10.79% | 10.69% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 85–90% LVR | 11.79% | 11.71% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 5 yrs fixed | 90–95% LVR | 12.79% | 12.73% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 7 yrs fixed | ≤55% LVR | 9.89% | 9.80% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 7 yrs fixed | 55–65% LVR | 9.89% | 9.80% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 7 yrs fixed | 65–70% LVR | 9.99% | 9.91% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 7 yrs fixed | 70–75% LVR | 9.99% | 9.91% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 7 yrs fixed | 75–80% LVR | 10.19% | 10.11% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 7 yrs fixed | 80–85% LVR | 10.99% | 10.93% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 7 yrs fixed | 85–90% LVR | 11.99% | 11.95% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Fixed | Owner occupied, P&I | 7 yrs fixed | 90–95% LVR | 12.99% | 12.97% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, Interest only | - | ≤55% LVR | 9.54% | 9.67% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, Interest only | - | 55–65% LVR | 9.54% | 9.67% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, Interest only | - | 65–70% LVR | 9.64% | 9.77% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, Interest only | - | 70–75% LVR | 9.64% | 9.77% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, Interest only | - | 75–80% LVR | 9.84% | 9.97% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, Interest only | - | 80–85% LVR | 10.64% | 10.77% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, Interest only | - | 85–90% LVR | 11.64% | 11.79% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, Interest only | - | 90–95% LVR | 12.64% | 12.80% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, P&I | - | ≤55% LVR | 9.24% | 9.53% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, P&I | - | 55–65% LVR | 9.24% | 9.53% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, P&I | - | 65–70% LVR | 9.34% | 9.63% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, P&I | - | 70–75% LVR | 9.34% | 9.63% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, P&I | - | 75–80% LVR | 9.54% | 9.83% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, P&I | - | 80–85% LVR | 10.34% | 10.64% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, P&I | - | 85–90% LVR | 11.34% | 11.64% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Investment, P&I | - | 90–95% LVR | 12.34% | 12.65% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, Interest only | - | ≤55% LVR | 9.19% | 9.31% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, Interest only | - | 55–65% LVR | 9.19% | 9.31% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR | 9.29% | 9.41% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR | 9.29% | 9.41% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR | 9.49% | 9.61% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, Interest only | - | 80–85% LVR | 10.29% | 10.42% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, Interest only | - | 85–90% LVR | 11.29% | 11.43% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, Interest only | - | 90–95% LVR | 12.29% | 12.45% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, P&I | - | ≤55% LVR | 8.89% | 9.18% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, P&I | - | 55–65% LVR | 8.89% | 9.18% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, P&I | - | 65–70% LVR | 8.99% | 9.28% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, P&I | - | 70–75% LVR | 8.99% | 9.28% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, P&I | - | 75–80% LVR | 9.19% | 9.48% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, P&I | - | 80–85% LVR | 9.99% | 10.29% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, P&I | - | 85–90% LVR | 10.99% | 11.29% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
| Variable | Owner occupied, P&I | - | 90–95% LVR | 11.99% | 12.29% | Loan Loading >$1.0M, loading of + 0.50% applies to the base rate. |
Rate changes
160 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 10 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, ≤55% LVR | 9.79% | 10.04% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 55–65% LVR | 9.79% | 10.04% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 65–70% LVR | 9.89% | 10.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 70–75% LVR | 9.89% | 10.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 75–80% LVR | 10.09% | 10.34% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 80–85% LVR | 10.89% | 11.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 85–90% LVR | 11.89% | 12.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 90–95% LVR | 12.89% | 13.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, ≤55% LVR | 9.89% | 10.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 55–65% LVR | 9.89% | 10.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 65–70% LVR | 9.99% | 10.24% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 70–75% LVR | 9.99% | 10.24% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 75–80% LVR | 10.19% | 10.44% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 80–85% LVR | 10.99% | 11.24% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 85–90% LVR | 11.99% | 12.24% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 90–95% LVR | 12.99% | 13.24% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, ≤55% LVR | 10.09% | 10.34% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 55–65% LVR | 10.09% | 10.34% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 65–70% LVR | 10.19% | 10.44% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 70–75% LVR | 10.19% | 10.44% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 75–80% LVR | 10.39% | 10.64% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 80–85% LVR | 11.19% | 11.44% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 85–90% LVR | 12.19% | 12.44% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 90–95% LVR | 13.19% | 13.44% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 10 yrs fixed, ≤55% LVR | 10.39% | 10.64% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 10 yrs fixed, 55–65% LVR | 10.39% | 10.64% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 10 yrs fixed, 65–70% LVR | 10.49% | 10.74% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 10 yrs fixed, 70–75% LVR | 10.49% | 10.74% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 10 yrs fixed, 75–80% LVR | 10.69% | 10.94% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 10 yrs fixed, 80–85% LVR | 11.49% | 11.74% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 10 yrs fixed, 85–90% LVR | 12.49% | 12.74% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 10 yrs fixed, 90–95% LVR | 13.49% | 13.74% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, ≤55% LVR | 9.49% | 9.74% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 55–65% LVR | 9.49% | 9.74% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 65–70% LVR | 9.59% | 9.84% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 70–75% LVR | 9.59% | 9.84% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 75–80% LVR | 9.79% | 10.04% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 80–85% LVR | 10.59% | 10.84% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 85–90% LVR | 11.59% | 11.84% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 2 yrs fixed, 90–95% LVR | 12.59% | 12.84% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, ≤55% LVR | 9.59% | 9.84% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 55–65% LVR | 9.59% | 9.84% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 65–70% LVR | 9.69% | 9.94% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 70–75% LVR | 9.69% | 9.94% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 75–80% LVR | 9.89% | 10.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 80–85% LVR | 10.69% | 10.94% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 85–90% LVR | 11.69% | 11.94% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed, 90–95% LVR | 12.69% | 12.94% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, ≤55% LVR | 9.79% | 10.04% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 55–65% LVR | 9.79% | 10.04% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 65–70% LVR | 9.89% | 10.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 70–75% LVR | 9.89% | 10.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 75–80% LVR | 10.09% | 10.34% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 80–85% LVR | 10.89% | 11.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 85–90% LVR | 11.89% | 12.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 5 yrs fixed, 90–95% LVR | 12.89% | 13.14% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 7 yrs fixed, ≤55% LVR | 9.99% | 10.24% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 7 yrs fixed, 55–65% LVR | 9.99% | 10.24% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 7 yrs fixed, 65–70% LVR | 10.09% | 10.34% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 7 yrs fixed, 70–75% LVR | 10.09% | 10.34% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 7 yrs fixed, 75–80% LVR | 10.29% | 10.54% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 7 yrs fixed, 80–85% LVR | 11.09% | 11.34% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 7 yrs fixed, 85–90% LVR | 12.09% | 12.34% | up 0.25 |
| 10 Oct 2026 | Fixed, Investment, P&I, 7 yrs fixed, 90–95% LVR | 13.09% | 13.34% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤55% LVR | 9.44% | 9.69% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, 55–65% LVR | 9.44% | 9.69% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, 65–70% LVR | 9.54% | 9.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, 70–75% LVR | 9.54% | 9.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, 75–80% LVR | 9.74% | 9.99% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, 80–85% LVR | 10.54% | 10.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, 85–90% LVR | 11.54% | 11.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 2 yrs fixed, 90–95% LVR | 12.54% | 12.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤55% LVR | 9.54% | 9.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, 55–65% LVR | 9.54% | 9.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, 65–70% LVR | 9.64% | 9.89% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, 70–75% LVR | 9.64% | 9.89% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, 75–80% LVR | 9.84% | 10.09% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, 80–85% LVR | 10.64% | 10.89% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, 85–90% LVR | 11.64% | 11.89% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed, 90–95% LVR | 12.64% | 12.89% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤55% LVR | 9.74% | 9.99% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, 55–65% LVR | 9.74% | 9.99% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, 65–70% LVR | 9.84% | 10.09% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, 70–75% LVR | 9.84% | 10.09% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, 75–80% LVR | 10.04% | 10.29% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, 80–85% LVR | 10.84% | 11.09% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, 85–90% LVR | 11.84% | 12.09% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, Interest only, 5 yrs fixed, 90–95% LVR | 12.84% | 13.09% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 10 yrs fixed, ≤55% LVR | 10.04% | 10.29% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 10 yrs fixed, 55–65% LVR | 10.04% | 10.29% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 10 yrs fixed, 65–70% LVR | 10.14% | 10.39% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 10 yrs fixed, 70–75% LVR | 10.14% | 10.39% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 10 yrs fixed, 75–80% LVR | 10.34% | 10.59% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 10 yrs fixed, 80–85% LVR | 11.14% | 11.39% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 10 yrs fixed, 85–90% LVR | 12.14% | 12.39% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 10 yrs fixed, 90–95% LVR | 13.14% | 13.39% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, ≤55% LVR | 9.14% | 9.39% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 55–65% LVR | 9.14% | 9.39% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 65–70% LVR | 9.24% | 9.49% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 70–75% LVR | 9.24% | 9.49% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 75–80% LVR | 9.44% | 9.69% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 80–85% LVR | 10.24% | 10.49% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 85–90% LVR | 11.24% | 11.49% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 90–95% LVR | 12.24% | 12.49% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, ≤55% LVR | 9.24% | 9.49% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 55–65% LVR | 9.24% | 9.49% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 65–70% LVR | 9.34% | 9.59% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 70–75% LVR | 9.34% | 9.59% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 75–80% LVR | 9.54% | 9.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 80–85% LVR | 10.34% | 10.59% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 85–90% LVR | 11.34% | 11.59% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed, 90–95% LVR | 12.34% | 12.59% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, ≤55% LVR | 9.44% | 9.69% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 55–65% LVR | 9.44% | 9.69% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 65–70% LVR | 9.54% | 9.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 70–75% LVR | 9.54% | 9.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 75–80% LVR | 9.74% | 9.99% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 80–85% LVR | 10.54% | 10.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 85–90% LVR | 11.54% | 11.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 5 yrs fixed, 90–95% LVR | 12.54% | 12.79% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 7 yrs fixed, ≤55% LVR | 9.64% | 9.89% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 7 yrs fixed, 55–65% LVR | 9.64% | 9.89% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 7 yrs fixed, 65–70% LVR | 9.74% | 9.99% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 7 yrs fixed, 70–75% LVR | 9.74% | 9.99% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 7 yrs fixed, 75–80% LVR | 9.94% | 10.19% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 7 yrs fixed, 80–85% LVR | 10.74% | 10.99% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 7 yrs fixed, 85–90% LVR | 11.74% | 11.99% | up 0.25 |
| 10 Oct 2026 | Fixed, Owner occupied, P&I, 7 yrs fixed, 90–95% LVR | 12.74% | 12.99% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, Interest only, ≤55% LVR | 9.29% | 9.54% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, Interest only, 55–65% LVR | 9.29% | 9.54% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR | 9.39% | 9.64% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, Interest only, 70–75% LVR | 9.39% | 9.64% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, Interest only, 75–80% LVR | 9.59% | 9.84% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, Interest only, 80–85% LVR | 10.39% | 10.64% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, Interest only, 85–90% LVR | 11.39% | 11.64% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, Interest only, 90–95% LVR | 12.39% | 12.64% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I, ≤55% LVR | 8.99% | 9.24% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I, 55–65% LVR | 8.99% | 9.24% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I, 65–70% LVR | 9.09% | 9.34% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I, 70–75% LVR | 9.09% | 9.34% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I, 75–80% LVR | 9.29% | 9.54% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I, 80–85% LVR | 10.09% | 10.34% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I, 85–90% LVR | 11.09% | 11.34% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I, 90–95% LVR | 12.09% | 12.34% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, ≤55% LVR | 8.94% | 9.19% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 55–65% LVR | 8.94% | 9.19% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 65–70% LVR | 9.04% | 9.29% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 70–75% LVR | 9.04% | 9.29% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 75–80% LVR | 9.24% | 9.49% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 80–85% LVR | 10.04% | 10.29% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 85–90% LVR | 11.04% | 11.29% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 90–95% LVR | 12.04% | 12.29% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, ≤55% LVR | 8.64% | 8.89% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 55–65% LVR | 8.64% | 8.89% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 65–70% LVR | 8.74% | 8.99% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 70–75% LVR | 8.74% | 8.99% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 75–80% LVR | 8.94% | 9.19% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 80–85% LVR | 9.74% | 9.99% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 85–90% LVR | 10.74% | 10.99% | up 0.25 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 90–95% LVR | 11.74% | 11.99% | up 0.25 |
Each change is logged the night it appears in the rates Pepper Money publishes. See how every lender answered the RBA on the rate tracker.
Fees
9 fees published, grouped by when they're charged.
- When you take it outUp to $9957 fees, each listed below
- While you hold it$15 a monthNon-Conforming Admin Fee
- When you close it or pay it off$500Discharge Fee
When you take it out7
- Fixed Rate Lock Fee
Applies to fixed rates only if Rate Lock option is requested.
0.15% of balance - Legal Disbursements
Third-party legal costs such as searches and registrations, charged at cost.
Varies - Legal Fee
Covers standard legal costs incurred at loan establishment.
$330 - Non-Conforming Establishment Fee
Charged once at loan establishment for non-conforming residential mortgage applications.
$995 - Risk Fee
Risk Fee may be payable depending on loan amount and LVR.
Varies - Title Protection Fee
Applicable where title protection is requested or required.
$400 - Valuation Fee
One standard valuation included.
Varies
While you hold it1
- Non-Conforming Admin Fee
Charged monthly per account split for ongoing administration of the loan.
$15 a month
When you close it or pay it off1
- Discharge Fee
Charged per plan when the loan is fully discharged.
$500
Features
Offset accountRedrawExtra repaymentsDigital banking
- Flexible Loan Terms. 10-40 year loan terms are available (maximum 30 years for Interest Only).
- Repayment option - choose between variable and interest only (max 5 years) repayments.
Eligibility and limits
- Minimum age 18
- Residency: Only available to Australian Citizens or Permanent Residents.
- Available to individuals
- Available to businesses
- Amount from $50,000, no maximum
- All applications are subject to credit assessment and eligibility criteria.
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Published by Pepper Money under the Consumer Data Right, last changed by them on 8 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.