Pepper Money Interest only Home Loans, July 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.
RBA cash rate 4.35%(effective 17 Jun 2026)|Rates updated |1,704 products|85+ Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in July 2026
Reviewed by the Ratesniffers Editorial Team, July 2026
Pepper Money's sharpest interest only options. Market cheapest currently sits at 5.89%.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
Pepper MoneyOwner-Occupier 75-80% LVR
6.74%
6.78%
80%
Home Loan-Package
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%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.
Comparison*
—
Monthly repayment
$3,011
LVR —
Basic Variable OO IO
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.04%p.a.
Comparison*
6.08%p.a.
Monthly repayment
$3,011
LVR 70–80%
First Home Buyer Loan - Interest Only
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.09%p.a.
Verify, 68d old
Comparison*
6.09%p.a.
Monthly repayment
$3,027
LVR 70–90%
Firefighters Mutual Bank
Your Way Plus Interest Only Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Health Professionals Bank
Your Way Interest Only Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Your Way Plus Interest Only Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Your Way Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Flexidiscount Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.14%p.a.
33d ago
Comparison*
6.16%p.a.
Monthly repayment
$3,043
LVR 70–80%
Discount Investment Home Loan (with Interest Only Repayment)
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.13%p.a.
Comparison*
6.17%p.a.
Monthly repayment
$3,040
LVR —
Orange Advantage
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR —
HOME LOAN PLUS
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR —
Premium Plus Package Variable Home Loan Interest Only
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR ≤80%
OnlineME Bank CompleteME Home Loan
InvestorVariableInterest 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
6.23%p.a.
Comparison*
6.27%p.a.
Monthly repayment
$3,072
LVR 70–80%
Home Value Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 1–80%
Police Investor IO Variable Rate Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.28%p.a.
Verify, 71d old
Comparison*
6.30%p.a.
Monthly repayment
$3,088
LVR —
Fixed Home Loan (IO) LVR >80
Owner-occupier2y FixedInterest onlyExtra repayments
Interest
6.27%p.a.
Comparison*
6.31%p.a.
Monthly repayment
$3,085
LVR —
Back to Basics Variable Rate Better Together Special Offer
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.28%p.a.
Comparison*
6.32%p.a.
Monthly repayment
$3,088
LVR 70–80%
Regional Australia Bank Home Loan (Non Offset)
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.29%p.a.
47d ago
Comparison*
6.32%p.a.
Monthly repayment
$3,092
LVR 70–80%
ANZ Simplicity PLUS
InvestorVariableInterest onlyRedrawExtra repayments$3,000 cashback
Interest
6.30%p.a.
Comparison*
6.34%p.a.
Monthly repayment
$3,095
LVR 70–80%
myBlue Variable Investment I/O (80.01-90.00% LVR)
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR —
Fixed IO Home Loan
Owner-occupier2y FixedInterest onlyExtra repayments
Interest
6.37%p.a.
Comparison*
6.41%p.a.
Monthly repayment
$3,118
LVR —
Basic Variable Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Economy Variable Home Loan
InvestorVariableInterest onlyRedrawExtra repayments$2,000 cashback
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Relocation Loan with end
Owner-occupierVariableInterest onlyExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Basic Variable Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 71–80%
Relocation Loan without end
Owner-occupierVariableInterest onlyExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Rocket Loan : Variable Home Loan with Offset (Owner Occupied)
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR 70–80%
Low Cost Value Package
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.38%p.a.
Verify, 70d old
Comparison*
6.44%p.a.
Monthly repayment
$3,121
LVR —
Macquarie Offset Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.40%p.a.
Comparison*
6.44%p.a.
Monthly repayment
$3,128
LVR 70–80%
*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.