Pepper Money Interest only Home Loans, June 2026
Pepper Money doesn't currently advertise products meeting our visibility filter in this segment. The panel below shows the full 85+-lender market for benchmark.
Rates updated |2,509 products|85+ Australian lenders
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Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in June 2026
Pepper Money's sharpest interest only options.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Pepper MoneyInvestor Variable 75-80% LVR
6.84%
6.84%
80%
OnlineVirgin Money Lite Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
5.84%p.a.
Comparison*
5.86%p.a.
Monthly repayment
$2,947
LVR 70–80%
OnlineME Bank CompleteME Home Loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments$3,000 cashback
Cashback eligibility
- Min loan $700,000
- Max LVR 80%
- Aggregate split refi loans to meet $700k minimum (same customer, same submission)
- Mixed refi + purchase apps eligible — one $3k per application
- Excludes BOQ Group refis + recipients of BOQ refi cashback in last 12 months
- Offer ends 28 Aug 2026 · lender T&Cs
Interest
5.89%p.a.
Comparison*
5.94%p.a.
Monthly repayment
$2,962
LVR 70–80%
NRMA Basic Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
5.94%p.a.
Comparison*
5.98%p.a.
Monthly repayment
$2,978
LVR ≤80%
Regional Australia Bank Home Loan (Fixed Owner Occupied)
Owner-occupier3y FixedInterest only
Interest
5.99%p.a.
Comparison*
6.02%p.a.
Monthly repayment
$2,995
LVR 70–80%
Fixed IO Home Loan
Owner-occupier5y FixedInterest onlyExtra repayments
Interest
5.99%p.a.
Comparison*
6.02%p.a.
Monthly repayment
$2,995
LVR —
Discounted Great Rate Home Loan - Variable Interest Only Owner Occupied
Owner-occupierVariableInterest onlyRedrawExtra repayments$2,500 cashback
Interest
6.04%p.a.
19d ago
Comparison*
6.05%p.a.
Monthly repayment
$3,011
LVR —
myBlue Deposit Scheme Variable O/Occ P+I (up to 98% LVR)
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.09%p.a.
Monthly repayment
$3,027
LVR —
Your Way Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.10%p.a.
Monthly repayment
$3,011
LVR 70–80%
2 Year Fixed (Non- Package)
Owner-occupier2y FixedInterest onlyExtra repayments
Interest
6.09%p.a.
Comparison*
6.10%p.a.
Monthly repayment
$3,027
LVR ≤80%
Macquarie Basic Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.11%p.a.
Monthly repayment
$3,027
LVR 70–80%
Basic Variable Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,027
LVR ≤80%
Basic Investment Loan Fixed IO
Investor3y FixedInterest onlyExtra repayments
Interest
6.14%p.a.
Comparison*
6.14%p.a.
Monthly repayment
$3,043
LVR 70–80%
Digi Home Loan (Owner Occupied)
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,027
LVR 70–80%
Investor Basic IO LVR>70-80
InvestorDiscountInterest onlyRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.22%p.a.
Monthly repayment
$3,059
LVR —
Police Investor IO Variable Rate Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.24%p.a.
Monthly repayment
$3,059
LVR —
LINE OF CREDIT
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.26%p.a.
Monthly repayment
$3,075
LVR —
BASIC HOME LOAN
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.24%p.a.
20d ago
Comparison*
6.27%p.a.
Monthly repayment
$3,075
LVR —
Economy Variable Home Loan
InvestorVariableInterest onlyRedrawExtra repayments$2,000 cashback
Interest
6.13%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,040
LVR 70–80%
Mortgage Breaker Investment Interest Only
InvestorVariableInterest onlyExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
NAB Tailored Home Loan
Investor4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.20%p.a.
Comparison*
6.29%p.a.
Monthly repayment
$3,062
LVR 70–80%
Discount Variable - Investment
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.29%p.a.
29d ago
Comparison*
6.29%p.a.
Monthly repayment
$3,092
LVR 70–80%
5 Year Fixed Residential Investment - Interest Only
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.30%p.a.
Monthly repayment
$3,011
LVR 70–90%
OnlineNext Step - Investment IO 6-10 yr 80% LVR
Owner-occupierVariableInterest only
Interest
6.26%p.a.
Comparison*
6.30%p.a.
Monthly repayment
$3,082
LVR ≤80%
Discount Investment Home Loan (with Interest Only Repayment)
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.23%p.a.
21d ago
Comparison*
6.43%p.a.
Monthly repayment
$3,072
LVR —
Firefighters Mutual Bank
Your Way Plus Interest Only Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.29%p.a.
36d ago
Comparison*
6.43%p.a.
Monthly repayment
$3,092
LVR 70–80%
Health Professionals Bank
Your Way Plus Interest Only Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.29%p.a.
36d ago
Comparison*
6.43%p.a.
Monthly repayment
$3,092
LVR 70–80%
Invest Total Home Loan Package
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.44%p.a.
Monthly repayment
$3,027
LVR —
Mortgage Simplifier
InvestorVariableInterest onlyRedraw
Interest
6.44%p.a.
Comparison*
—
Monthly repayment
$3,141
LVR —
AFG Alpha Offset Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
33d ago
Comparison*
6.46%p.a.
Monthly repayment
$3,141
LVR 70–80%
Bendigo Flex Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.49%p.a.
Monthly repayment
$3,124
LVR ≤80%
*Important Information and Comparison Rate 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. Pepper Money's sharpest variable currently: 6.39%.
See also Pepper Money's full product range, repayment calculator, and refinance savings calculator.