Pepper Money · Interest only · Updated September 2026

Pepper Money Interest only Home Loans, September 2026

Pepper Money lists 24 interest-only home loans in the Ratesniffers index today. The lowest is 7.04% p.a., on Pepper Essential Full Doc <55% LVR <$2.5m Owner Occupied IO. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Pepper Money interest-only home loan rates, September 2026

Pepper MoneyPepper Essential Full Doc <55% LVR <$2.5m Owner Occupied IO

VariableOffsetRedraw

Interest

7.04%p.a.

Comparison*

Not available

Est. repayment

$3,340

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Full Doc 55% - 65% LVR <$2.5m Owner Occupied IO

VariableOffsetRedraw

Interest

7.04%p.a.

Comparison*

Not available

Est. repayment

$3,340

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Alt Doc <55% LVR $<2.5m Owner Occupied IO

VariableOffsetRedraw

Interest

7.09%p.a.

Comparison*

Not available

Est. repayment

$3,357

LVR ≤55%

Enquire

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

Variable

Interest

7.09%p.a.

Comparison*

Not available

Est. repayment

$3,357

LVR ≤55%

Enquire

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

Variable

Interest

7.09%p.a.

Comparison*

Not available

Est. repayment

$3,357

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Alt Doc 5 Year Fixed <55% LVR Owner Occupied IO

Variable

Interest

7.09%p.a.

Comparison*

Not available

Est. repayment

$3,357

LVR ≤55%

Enquire

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

Variable

Interest

7.19%p.a.

Comparison*

Not available

Est. repayment

$3,391

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Alt Doc 2 Year Fixed 65% - 70% LVR Owner Occupied IO

Variable

Interest

7.19%p.a.

Comparison*

Not available

Est. repayment

$3,391

LVR 65 to 70%

Enquire

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

Variable

Interest

7.19%p.a.

Comparison*

Not available

Est. repayment

$3,391

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Alt Doc 3 Year Fixed 65% - 70% LVR Owner Occupied IO

Variable

Interest

7.19%p.a.

Comparison*

Not available

Est. repayment

$3,391

LVR 65 to 70%

Enquire

Pepper MoneyPepper Essential Alt Doc 5 Year Fixed 55% - 65% LVR Owner Occupied IO

Variable

Interest

7.19%p.a.

Comparison*

Not available

Est. repayment

$3,391

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Alt Doc 5 Year Fixed 65% - 70% LVR Owner Occupied IO

Variable

Interest

7.19%p.a.

Comparison*

Not available

Est. repayment

$3,391

LVR 65 to 70%

Enquire

Pepper MoneyPepper Essential Alt Doc 55% - 65% LVR $<2.5m Owner Occupied IO

VariableOffsetRedraw

Interest

7.19%p.a.

Comparison*

Not available

Est. repayment

$3,391

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Alt Doc 65% - 70% LVR $<2.5m Owner Occupied IO

VariableOffsetRedraw

Interest

7.19%p.a.

Comparison*

Not available

Est. repayment

$3,391

LVR 65 to 70%

Enquire

Pepper MoneyPepper Essential Full Doc <55% LVR <$2.5m Investment IO

VariableOffsetRedraw

Interest

7.24%p.a.

Comparison*

Not available

Est. repayment

$3,407

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Full Doc 55% - 65% LVR <$2.5m Investment IO

VariableOffsetRedraw

Interest

7.24%p.a.

Comparison*

Not available

Est. repayment

$3,407

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Full Doc 65% - 70% LVR <$2.5m Owner Occupied IO

VariableOffsetRedraw

Interest

7.29%p.a.

Comparison*

Not available

Est. repayment

$3,424

LVR 65 to 70%

Enquire

Pepper MoneyPepper Essential Alt Doc <55% LVR $<2.5m Investment IO

VariableOffsetRedraw

Interest

7.29%p.a.

Comparison*

Not available

Est. repayment

$3,424

LVR ≤55%

Enquire

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

Variable

Interest

7.29%p.a.

Comparison*

Not available

Est. repayment

$3,424

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Alt Doc 2 Year Fixed 70% - 75% LVR Owner Occupied IO

Variable

Interest

7.29%p.a.

Comparison*

Not available

Est. repayment

$3,424

LVR 70 to 75%

Enquire

Pepper MoneyPepper Essential Alt Doc 2 Year Fixed 75% - 80% LVR Owner Occupied IO

Variable

Interest

7.29%p.a.

Comparison*

Not available

Est. repayment

$3,424

LVR 75 to 80%

Enquire

Pepper MoneyPepper Essential Alt Doc 3 Year Fixed <55% LVR Investment IO

Variable

Interest

7.29%p.a.

Comparison*

Not available

Est. repayment

$3,424

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Alt Doc 3 Year Fixed 70% - 75% LVR Owner Occupied IO

Variable

Interest

7.29%p.a.

Comparison*

Not available

Est. repayment

$3,424

LVR 70 to 75%

Enquire

Pepper MoneyPepper Essential Alt Doc 3 Year Fixed 75% - 80% LVR Owner Occupied IO

Variable

Interest

7.29%p.a.

Comparison*

Not available

Est. repayment

$3,424

LVR 75 to 80%

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 · Interest only

Pepper Money interest only home loans, what to weigh

Interest-only loans don't amortise during the IO term, they only stack up when capital growth is doing the heavy lifting. Owner-occupier IO is APRA-restricted; most IO products on the panel are investor. 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 interest only option has the same price.