Non-Conforming Home Loan - Specialist Plus Alt 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

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At a glance

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%
Max LVR: 75%
Annual fee: $180
Features: offset, redraw, extra repayments

Rates

Every rate Pepper Money publishes for this home loan, 80 in all.

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%10.39%
55–65%10.39%
65–70%10.39%
70–75%10.59%

Variable rate for the band

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed	Investment, Interest only	2 yrs fixed	≤55% LVR	11.54%	11.23%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	2 yrs fixed	55–65% LVR	11.54%	11.23%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	2 yrs fixed	65–70% LVR	11.54%	11.23%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	2 yrs fixed	70–75% LVR	11.74%	11.43%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	3 yrs fixed	≤55% LVR	11.64%	11.35%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	3 yrs fixed	55–65% LVR	11.64%	11.35%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	3 yrs fixed	65–70% LVR	11.64%	11.35%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	3 yrs fixed	70–75% LVR	11.84%	11.55%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	5 yrs fixed	≤55% LVR	11.84%	11.60%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	5 yrs fixed	55–65% LVR	11.84%	11.60%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	5 yrs fixed	65–70% LVR	11.84%	11.60%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, Interest only	5 yrs fixed	70–75% LVR	12.04%	11.80%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	10 yrs fixed	≤55% LVR	12.14%	12.16%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	10 yrs fixed	55–65% LVR	12.14%	12.16%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	10 yrs fixed	65–70% LVR	12.14%	12.16%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	10 yrs fixed	70–75% LVR	12.34%	12.37%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	2 yrs fixed	≤55% LVR	11.24%	11.16%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	2 yrs fixed	55–65% LVR	11.24%	11.16%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	2 yrs fixed	65–70% LVR	11.24%	11.16%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	2 yrs fixed	70–75% LVR	11.44%	11.36%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	3 yrs fixed	≤55% LVR	11.34%	11.25%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	3 yrs fixed	55–65% LVR	11.34%	11.25%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	3 yrs fixed	65–70% LVR	11.34%	11.25%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	3 yrs fixed	70–75% LVR	11.54%	11.45%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	5 yrs fixed	≤55% LVR	11.54%	11.46%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	5 yrs fixed	55–65% LVR	11.54%	11.46%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	5 yrs fixed	65–70% LVR	11.54%	11.46%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	5 yrs fixed	70–75% LVR	11.74%	11.66%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	7 yrs fixed	≤55% LVR	11.74%	11.70%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	7 yrs fixed	55–65% LVR	11.74%	11.70%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	7 yrs fixed	65–70% LVR	11.74%	11.70%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Investment, P&I	7 yrs fixed	70–75% LVR	11.94%	11.90%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	2 yrs fixed	≤55% LVR	11.19%	10.87%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	2 yrs fixed	55–65% LVR	11.19%	10.87%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	2 yrs fixed	65–70% LVR	11.19%	10.87%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	2 yrs fixed	70–75% LVR	11.39%	11.08%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	3 yrs fixed	≤55% LVR	11.29%	10.98%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	3 yrs fixed	55–65% LVR	11.29%	10.98%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	3 yrs fixed	65–70% LVR	11.29%	10.98%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	3 yrs fixed	70–75% LVR	11.49%	11.19%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	5 yrs fixed	≤55% LVR	11.49%	11.24%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	5 yrs fixed	55–65% LVR	11.49%	11.24%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	5 yrs fixed	65–70% LVR	11.49%	11.24%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, Interest only	5 yrs fixed	70–75% LVR	11.69%	11.44%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	10 yrs fixed	≤55% LVR	11.79%	11.81%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	10 yrs fixed	55–65% LVR	11.79%	11.81%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	10 yrs fixed	65–70% LVR	11.79%	11.81%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	10 yrs fixed	70–75% LVR	11.99%	12.01%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	2 yrs fixed	≤55% LVR	10.89%	10.81%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	2 yrs fixed	55–65% LVR	10.89%	10.81%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	2 yrs fixed	65–70% LVR	10.89%	10.81%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	2 yrs fixed	70–75% LVR	11.09%	11.01%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	3 yrs fixed	≤55% LVR	10.99%	10.89%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	3 yrs fixed	55–65% LVR	10.99%	10.89%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	3 yrs fixed	65–70% LVR	10.99%	10.89%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	3 yrs fixed	70–75% LVR	11.19%	11.10%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	5 yrs fixed	≤55% LVR	11.19%	11.10%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	5 yrs fixed	55–65% LVR	11.19%	11.10%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	5 yrs fixed	65–70% LVR	11.19%	11.10%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	5 yrs fixed	70–75% LVR	11.39%	11.30%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	7 yrs fixed	≤55% LVR	11.39%	11.34%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	7 yrs fixed	55–65% LVR	11.39%	11.34%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	7 yrs fixed	65–70% LVR	11.39%	11.34%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Fixed	Owner occupied, P&I	7 yrs fixed	70–75% LVR	11.59%	11.55%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Investment, Interest only	-	≤55% LVR	11.04%	11.18%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Investment, Interest only	-	55–65% LVR	11.04%	11.18%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Investment, Interest only	-	65–70% LVR	11.04%	11.18%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Investment, Interest only	-	70–75% LVR	11.24%	11.38%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Investment, P&I	-	≤55% LVR	10.74%	11.04%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Investment, P&I	-	55–65% LVR	10.74%	11.04%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Investment, P&I	-	65–70% LVR	10.74%	11.04%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Investment, P&I	-	70–75% LVR	10.94%	11.24%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Owner occupied, Interest only	-	≤55% LVR	10.69%	10.83%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Owner occupied, Interest only	-	55–65% LVR	10.69%	10.83%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Owner occupied, Interest only	-	65–70% LVR	10.69%	10.83%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Owner occupied, Interest only	-	70–75% LVR	10.89%	11.03%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Owner occupied, P&I	-	≤55% LVR	10.39%	10.69%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Owner occupied, P&I	-	55–65% LVR	10.39%	10.69%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Owner occupied, P&I	-	65–70% LVR	10.39%	10.69%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.
Variable	Owner occupied, P&I	-	70–75% LVR	10.59%	10.89%	Loan Loading >$1.0M, loading of + 0.50% applies to the base rate.

Rate changes

80 changes logged, newest first.

Date	Rate	Was	Now	Change
10 Oct 2026	Fixed, Investment, Interest only, 2 yrs fixed, ≤55% LVR	11.29%	11.54%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 2 yrs fixed, 55–65% LVR	11.29%	11.54%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 2 yrs fixed, 65–70% LVR	11.29%	11.54%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 2 yrs fixed, 70–75% LVR	11.49%	11.74%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 3 yrs fixed, ≤55% LVR	11.39%	11.64%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 3 yrs fixed, 55–65% LVR	11.39%	11.64%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 3 yrs fixed, 65–70% LVR	11.39%	11.64%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 3 yrs fixed, 70–75% LVR	11.59%	11.84%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 5 yrs fixed, ≤55% LVR	11.59%	11.84%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 5 yrs fixed, 55–65% LVR	11.59%	11.84%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 5 yrs fixed, 65–70% LVR	11.59%	11.84%	up 0.25
10 Oct 2026	Fixed, Investment, Interest only, 5 yrs fixed, 70–75% LVR	11.79%	12.04%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 10 yrs fixed, ≤55% LVR	11.89%	12.14%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 10 yrs fixed, 55–65% LVR	11.89%	12.14%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 10 yrs fixed, 65–70% LVR	11.89%	12.14%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 10 yrs fixed, 70–75% LVR	12.09%	12.34%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, ≤55% LVR	10.99%	11.24%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, 55–65% LVR	10.99%	11.24%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, 65–70% LVR	10.99%	11.24%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, 70–75% LVR	11.19%	11.44%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, ≤55% LVR	11.09%	11.34%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, 55–65% LVR	11.09%	11.34%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, 65–70% LVR	11.09%	11.34%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, 70–75% LVR	11.29%	11.54%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 5 yrs fixed, ≤55% LVR	11.29%	11.54%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 5 yrs fixed, 55–65% LVR	11.29%	11.54%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 5 yrs fixed, 65–70% LVR	11.29%	11.54%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 5 yrs fixed, 70–75% LVR	11.49%	11.74%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 7 yrs fixed, ≤55% LVR	11.49%	11.74%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 7 yrs fixed, 55–65% LVR	11.49%	11.74%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 7 yrs fixed, 65–70% LVR	11.49%	11.74%	up 0.25
10 Oct 2026	Fixed, Investment, P&I, 7 yrs fixed, 70–75% LVR	11.69%	11.94%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤55% LVR	10.94%	11.19%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 2 yrs fixed, 55–65% LVR	10.94%	11.19%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 2 yrs fixed, 65–70% LVR	10.94%	11.19%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 2 yrs fixed, 70–75% LVR	11.14%	11.39%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤55% LVR	11.04%	11.29%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 3 yrs fixed, 55–65% LVR	11.04%	11.29%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 3 yrs fixed, 65–70% LVR	11.04%	11.29%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 3 yrs fixed, 70–75% LVR	11.24%	11.49%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 5 yrs fixed, ≤55% LVR	11.24%	11.49%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 5 yrs fixed, 55–65% LVR	11.24%	11.49%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 5 yrs fixed, 65–70% LVR	11.24%	11.49%	up 0.25
10 Oct 2026	Fixed, Owner occupied, Interest only, 5 yrs fixed, 70–75% LVR	11.44%	11.69%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 10 yrs fixed, ≤55% LVR	11.54%	11.79%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 10 yrs fixed, 55–65% LVR	11.54%	11.79%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 10 yrs fixed, 65–70% LVR	11.54%	11.79%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 10 yrs fixed, 70–75% LVR	11.74%	11.99%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, ≤55% LVR	10.64%	10.89%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, 55–65% LVR	10.64%	10.89%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, 65–70% LVR	10.64%	10.89%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, 70–75% LVR	10.84%	11.09%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, ≤55% LVR	10.74%	10.99%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, 55–65% LVR	10.74%	10.99%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, 65–70% LVR	10.74%	10.99%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, 70–75% LVR	10.94%	11.19%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 5 yrs fixed, ≤55% LVR	10.94%	11.19%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 5 yrs fixed, 55–65% LVR	10.94%	11.19%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 5 yrs fixed, 65–70% LVR	10.94%	11.19%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 5 yrs fixed, 70–75% LVR	11.14%	11.39%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 7 yrs fixed, ≤55% LVR	11.14%	11.39%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 7 yrs fixed, 55–65% LVR	11.14%	11.39%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 7 yrs fixed, 65–70% LVR	11.14%	11.39%	up 0.25
10 Oct 2026	Fixed, Owner occupied, P&I, 7 yrs fixed, 70–75% LVR	11.34%	11.59%	up 0.25
10 Oct 2026	Variable, Investment, Interest only, ≤55% LVR	10.79%	11.04%	up 0.25
10 Oct 2026	Variable, Investment, Interest only, 55–65% LVR	10.79%	11.04%	up 0.25
10 Oct 2026	Variable, Investment, Interest only, 65–70% LVR	10.79%	11.04%	up 0.25
10 Oct 2026	Variable, Investment, Interest only, 70–75% LVR	10.99%	11.24%	up 0.25
10 Oct 2026	Variable, Investment, P&I, ≤55% LVR	10.49%	10.74%	up 0.25
10 Oct 2026	Variable, Investment, P&I, 55–65% LVR	10.49%	10.74%	up 0.25
10 Oct 2026	Variable, Investment, P&I, 65–70% LVR	10.49%	10.74%	up 0.25
10 Oct 2026	Variable, Investment, P&I, 70–75% LVR	10.69%	10.94%	up 0.25
10 Oct 2026	Variable, Owner occupied, Interest only, ≤55% LVR	10.44%	10.69%	up 0.25
10 Oct 2026	Variable, Owner occupied, Interest only, 55–65% LVR	10.44%	10.69%	up 0.25
10 Oct 2026	Variable, Owner occupied, Interest only, 65–70% LVR	10.44%	10.69%	up 0.25
10 Oct 2026	Variable, Owner occupied, Interest only, 70–75% LVR	10.64%	10.89%	up 0.25
10 Oct 2026	Variable, Owner occupied, P&I, ≤55% LVR	10.14%	10.39%	up 0.25
10 Oct 2026	Variable, Owner occupied, P&I, 55–65% LVR	10.14%	10.39%	up 0.25
10 Oct 2026	Variable, Owner occupied, P&I, 65–70% LVR	10.14%	10.39%	up 0.25
10 Oct 2026	Variable, Owner occupied, P&I, 70–75% LVR	10.34%	10.59%	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.