Pepper Money · Fixed · Updated November 2026

Pepper Money Fixed Home Loan Rates, November 2026

Pepper Money lists 24 fixed home loans in the Ratesniffers index today. The lowest is 7.49% p.a. (comparison rate 7.24% 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, November 2026

Lowest Pepper Money fixed rate by term: 2-year 7.49% p.a. (comparison 7.24%), 3-year 7.59% p.a. (comparison 7.32%), 5-year 7.79% p.a. (comparison 7.50%).

Pepper MoneyPepper Essential Full Doc 2 Year Fixed <55% LVR Owner Occupied P&I

2y Fixed

Interest

7.49%p.a.

Comparison*

7.24%p.a.

Est. repayment

$3,493

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Full Doc 2 Year Fixed 55% - 65% LVR Owner Occupied P&I

2y Fixed

Interest

7.49%p.a.

Comparison*

7.24%p.a.

Est. repayment

$3,493

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Full Doc 3 Year Fixed <55% LVR Owner Occupied P&I

3y Fixed

Interest

7.59%p.a.

Comparison*

7.32%p.a.

Est. repayment

$3,527

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Full Doc 3 Year Fixed 55% - 65% LVR Owner Occupied P&I

3y Fixed

Interest

7.59%p.a.

Comparison*

7.32%p.a.

Est. repayment

$3,527

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Full Doc 2 Year Fixed <55% LVR Investment P&I

2y Fixed

Interest

7.69%p.a.

Comparison*

7.44%p.a.

Est. repayment

$3,561

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Full Doc 2 Year Fixed 55% - 65% LVR Investment P&I

2y Fixed

Interest

7.69%p.a.

Comparison*

7.44%p.a.

Est. repayment

$3,561

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Full Doc 2 Year Fixed 65% - 70% LVR Owner Occupied P&I

2y Fixed

Interest

7.74%p.a.

Comparison*

7.49%p.a.

Est. repayment

$3,579

LVR 65 to 70%

Enquire

Pepper MoneyPepper Essential Full Doc 2 Year Fixed <55% LVR Owner Occupied IO

2y Fixed

Interest

7.79%p.a.

Comparison*

Not available

Est. interest only / month

$3,246

LVR ≤55%

Based on a $500,000 balance

Enquire

Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.

Pepper MoneyPepper Essential Full Doc 2 Year Fixed 55% - 65% LVR Owner Occupied IO

2y Fixed

Interest

7.79%p.a.

Comparison*

Not available

Est. interest only / month

$3,246

LVR 55 to 65%

Based on a $500,000 balance

Enquire

Pepper MoneyPepper Essential Full Doc 3 Year Fixed <55% LVR Investment P&I

3y Fixed

Interest

7.79%p.a.

Comparison*

7.52%p.a.

Est. repayment

$3,596

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Full Doc 3 Year Fixed 55% - 65% LVR Investment P&I

3y Fixed

Interest

7.79%p.a.

Comparison*

7.52%p.a.

Est. repayment

$3,596

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Full Doc 5 Year Fixed <55% LVR Owner Occupied P&I

5y Fixed

Interest

7.79%p.a.

Comparison*

7.50%p.a.

Est. repayment

$3,596

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Full Doc 5 Year Fixed 55% - 65% LVR Owner Occupied P&I

5y Fixed

Interest

7.79%p.a.

Comparison*

7.50%p.a.

Est. repayment

$3,596

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Full Doc 2 Year Fixed 70% - 75% LVR Owner Occupied P&I

2y Fixed

Interest

7.84%p.a.

Comparison*

7.59%p.a.

Est. repayment

$3,613

LVR 70 to 75%

Enquire

Pepper MoneyPepper Essential Full Doc 2 Year Fixed 75% - 80% LVR Owner Occupied P&I

2y Fixed

Interest

7.84%p.a.

Comparison*

7.59%p.a.

Est. repayment

$3,613

LVR 75 to 80%

Enquire

Pepper MoneyPepper Essential Full Doc 3 Year Fixed 65% - 70% LVR Owner Occupied P&I

3y Fixed

Interest

7.84%p.a.

Comparison*

7.57%p.a.

Est. repayment

$3,613

LVR 65 to 70%

Enquire

Pepper MoneyPepper Essential Full Doc 3 Year Fixed <55% LVR Owner Occupied IO

3y Fixed

Interest

7.89%p.a.

Comparison*

Not available

Est. interest only / month

$3,288

LVR ≤55%

Based on a $500,000 balance

Enquire

Pepper MoneyPepper Essential Full Doc 3 Year Fixed 55% - 65% LVR Owner Occupied IO

3y Fixed

Interest

7.89%p.a.

Comparison*

Not available

Est. interest only / month

$3,288

LVR 55 to 65%

Based on a $500,000 balance

Enquire

Pepper MoneyPepper Essential Full Doc 2 Year Fixed 65% - 70% LVR Investment P&I

2y Fixed

Interest

7.94%p.a.

Comparison*

7.69%p.a.

Est. repayment

$3,648

LVR 65 to 70%

Enquire

Pepper MoneyPepper Essential Full Doc 3 Year Fixed 70% - 75% LVR Owner Occupied P&I

3y Fixed

Interest

7.94%p.a.

Comparison*

7.67%p.a.

Est. repayment

$3,648

LVR 70 to 75%

Enquire

Pepper MoneyPepper Essential Full Doc 3 Year Fixed 75% - 80% LVR Owner Occupied P&I

3y Fixed

Interest

7.94%p.a.

Comparison*

7.67%p.a.

Est. repayment

$3,648

LVR 75 to 80%

Enquire

Pepper MoneyPepper Essential Full Doc 2 Year Fixed <55% LVR Investment IO

2y Fixed

Interest

7.99%p.a.

Comparison*

Not available

Est. interest only / month

$3,329

LVR ≤55%

Based on a $500,000 balance

Enquire

Pepper MoneyPepper Essential Full Doc 2 Year Fixed 55% - 65% LVR Investment IO

2y Fixed

Interest

7.99%p.a.

Comparison*

Not available

Est. interest only / month

$3,329

LVR 55 to 65%

Based on a $500,000 balance

Enquire

Pepper MoneyPepper Essential Full Doc 5 Year Fixed <55% LVR Investment P&I

5y Fixed

Interest

7.99%p.a.

Comparison*

7.71%p.a.

Est. repayment

$3,665

LVR ≤55%

Enquire

*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.