Interest
7.24%p.a.
Comparison*
6.99%p.a.
Est. repayment
$3,407
LVR ≤55%
Pepper Money · Fixed · Updated September 2026
Pepper Money Fixed Home Loan Rates, September 2026
Pepper Money lists 24 fixed home loans in the Ratesniffers index today. The lowest is 7.24% p.a. (comparison rate 6.99% p.a.) on a 2-year fixed term, on Pepper Essential Full Doc 2 Year Fixed <55% LVR Owner Occupied P&I. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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Pepper Money fixed home loan rates, September 2026
Lowest Pepper Money fixed rate by term: 2-year 7.24% p.a. (comparison 6.99%), 3-year 7.34% p.a. (comparison 7.07%), 5-year 7.54% p.a. (comparison 7.25%).
Interest
7.24%p.a.
Comparison*
6.99%p.a.
Est. repayment
$3,407
LVR 55 to 65%
Interest
7.34%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,441
LVR ≤55%
Interest
7.34%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,441
LVR 55 to 65%
Interest
7.44%p.a.
Comparison*
7.19%p.a.
Est. repayment
$3,476
LVR ≤55%
Interest
7.44%p.a.
Comparison*
7.19%p.a.
Est. repayment
$3,476
LVR 55 to 65%
Interest
7.49%p.a.
Comparison*
7.24%p.a.
Est. repayment
$3,493
LVR 65 to 70%
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR ≤55%
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR 55 to 65%
Interest
7.54%p.a.
Comparison*
7.27%p.a.
Est. repayment
$3,510
LVR ≤55%
Interest
7.54%p.a.
Comparison*
7.27%p.a.
Est. repayment
$3,510
LVR 55 to 65%
Interest
7.54%p.a.
Comparison*
7.25%p.a.
Est. repayment
$3,510
LVR ≤55%
Interest
7.54%p.a.
Comparison*
7.25%p.a.
Est. repayment
$3,510
LVR 55 to 65%
Interest
7.59%p.a.
Comparison*
7.34%p.a.
Est. repayment
$3,527
LVR 70 to 75%
Interest
7.59%p.a.
Comparison*
7.34%p.a.
Est. repayment
$3,527
LVR 75 to 80%
Interest
7.59%p.a.
Comparison*
7.32%p.a.
Est. repayment
$3,527
LVR 65 to 70%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR ≤55%
Interest
7.64%p.a.
Comparison*
Not available
Est. repayment
$3,544
LVR 55 to 65%
Interest
7.69%p.a.
Comparison*
7.44%p.a.
Est. repayment
$3,561
LVR 65 to 70%
Interest
7.69%p.a.
Comparison*
7.42%p.a.
Est. repayment
$3,561
LVR 70 to 75%
Interest
7.69%p.a.
Comparison*
7.42%p.a.
Est. repayment
$3,561
LVR 75 to 80%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR ≤55%
Interest
7.74%p.a.
Comparison*
Not available
Est. repayment
$3,579
LVR 55 to 65%
Interest
7.74%p.a.
Comparison*
7.45%p.a.
Est. repayment
$3,579
LVR ≤55%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Pepper Money · Fixed
Pepper Money fixed home loans, what to weigh
Fixed rates lock in certainty for the term but cap flexibility, extra repayments usually capped, break costs apply on exit. Compare break-cost mechanics alongside headline rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every fixed option has the same price.
See also Pepper Money's full product range, repayment calculator, and refinance savings calculator.