The Finance Algorithm
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Prime Non-standard regulated consumer loan (CRE Loan) - Prime Full Doc

Our variable rate home loan options give 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 a 100% interest offset sub-account.

Also sold at the same rates and fees as Aussie Activate and Mortgage Choice Ignite.

Home loansLender updated 8 Oct 2026
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At a glance

Variable (owner occ. P&I)
8.04%
Variable (investor P&I)
8.04%
Max LVR
80%
Annual fee
$300
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.

This home loan: 8.94%Every other institution's lowest, 101 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.

RateThis home loanBest anywhereTypical institutionWhere it sits
Variable home loanOwner occupier, principal & interest, 80% LVR8.94%5.69%AAA Financial Corporation's Portfolio Loan6.36%of 102 institutions101st lowest of 102
Investor variable home loanInvestment, principal & interest, 80% LVR8.94%5.69%AAA Financial Corporation's Portfolio Loan6.58%of 102 institutions101st lowest of 102

Rates

Every rate Pepper Money publishes for this home loan, 24 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

  1. ≤50%8.04%
  2. 50–60%8.04%
  3. 60–65%8.04%
  4. 65–70%8.39%
  5. 70–75%8.49%
  6. 75–80%8.94%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
VariableInvestment, Interest only-≤50% LVR8.04%--
VariableInvestment, Interest only-50–60% LVR8.04%--
VariableInvestment, Interest only-60–65% LVR8.04%--
VariableInvestment, Interest only-65–70% LVR8.39%--
VariableInvestment, Interest only-70–75% LVR8.49%--
VariableInvestment, Interest only-75–80% LVR8.94%--
VariableInvestment, P&I-≤50% LVR8.04%--
VariableInvestment, P&I-50–60% LVR8.04%--
VariableInvestment, P&I-60–65% LVR8.04%--
VariableInvestment, P&I-65–70% LVR8.39%--
VariableInvestment, P&I-70–75% LVR8.49%--
VariableInvestment, P&I-75–80% LVR8.94%--
VariableOwner occupied, Interest only-≤50% LVR8.04%--
VariableOwner occupied, Interest only-50–60% LVR8.04%--
VariableOwner occupied, Interest only-60–65% LVR8.04%--
VariableOwner occupied, Interest only-65–70% LVR8.39%--
VariableOwner occupied, Interest only-70–75% LVR8.49%--
VariableOwner occupied, Interest only-75–80% LVR8.94%--
VariableOwner occupied, P&I-≤50% LVR8.04%--
VariableOwner occupied, P&I-50–60% LVR8.04%--
VariableOwner occupied, P&I-60–65% LVR8.04%--
VariableOwner occupied, P&I-65–70% LVR8.39%--
VariableOwner occupied, P&I-70–75% LVR8.49%--
VariableOwner occupied, P&I-75–80% LVR8.94%--

Rate changes

20 changes logged, newest first.

DateRateWasNowChange
10 Oct 2026Variable, Investment, Interest only, ≤50% LVR7.94%8.04%up 0.10
10 Oct 2026Variable, Investment, Interest only, 50–60% LVR7.94%8.04%up 0.10
10 Oct 2026Variable, Investment, Interest only, 60–65% LVR8.14%8.04%down 0.10
10 Oct 2026Variable, Investment, Interest only, 65–70% LVR8.30%8.39%up 0.09
10 Oct 2026Variable, Investment, Interest only, 75–80% LVR8.84%8.94%up 0.10
10 Oct 2026Variable, Investment, P&I, ≤50% LVR7.94%8.04%up 0.10
10 Oct 2026Variable, Investment, P&I, 50–60% LVR7.94%8.04%up 0.10
10 Oct 2026Variable, Investment, P&I, 60–65% LVR8.14%8.04%down 0.10
10 Oct 2026Variable, Investment, P&I, 65–70% LVR8.30%8.39%up 0.09
10 Oct 2026Variable, Investment, P&I, 75–80% LVR8.84%8.94%up 0.10
10 Oct 2026Variable, Owner occupied, Interest only, ≤50% LVR7.94%8.04%up 0.10
10 Oct 2026Variable, Owner occupied, Interest only, 50–60% LVR7.94%8.04%up 0.10
10 Oct 2026Variable, Owner occupied, Interest only, 60–65% LVR8.14%8.04%down 0.10
10 Oct 2026Variable, Owner occupied, Interest only, 65–70% LVR8.30%8.39%up 0.09
10 Oct 2026Variable, Owner occupied, Interest only, 75–80% LVR8.84%8.94%up 0.10
10 Oct 2026Variable, Owner occupied, P&I, ≤50% LVR7.94%8.04%up 0.10
10 Oct 2026Variable, Owner occupied, P&I, 50–60% LVR7.94%8.04%up 0.10
10 Oct 2026Variable, Owner occupied, P&I, 60–65% LVR8.14%8.04%down 0.10
10 Oct 2026Variable, Owner occupied, P&I, 65–70% LVR8.30%8.39%up 0.09
10 Oct 2026Variable, Owner occupied, P&I, 75–80% LVR8.84%8.94%up 0.10

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

7 fees published, grouped by when they're charged.

  1. When you take it outUp to $8254 fees, each listed below
  2. While you hold it$25 a monthPrime Admin Fee
  3. When you close it or pay it off$500Discharge Fee

When you take it out4

  • 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.

    $825
  • Prime Establishment Fee

    Charged once at loan establishment for prime commercial mortgage applications.

    0.85% of balance
  • Valuation Fee
    Varies

While you hold it1

  • Prime Admin Fee

    Charged monthly per account split for ongoing administration of the loan.

    $25 a month

When particular things happen1

  • Early Repayment Fee

    Only applicable if the loan is repaid within the first 3 years.

    2.00% of balance

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. 1-30 year loan terms are available.
  • 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 $100,000, no maximum
  • All applications are subject to credit assessment and eligibility criteria.

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.