Pepper Money · Investor · Updated November 2026

Pepper Money Investment Loan Rates, November 2026

Pepper Money lists 24 investor home loans in the Ratesniffers index today. The lowest is 7.19% p.a. (comparison rate 7.34% p.a.), on Pepper Essential Full Doc <55% LVR <$2.5m Investment 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 investor home loan rates, November 2026

Pepper MoneyPepper Essential Full Doc <55% LVR <$2.5m Investment P&I

VariableOffsetRedraw

Interest

7.19%p.a.

Comparison*

7.34%p.a.

Est. repayment

$3,391

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Full Doc 55% - 65% LVR <$2.5m Investment P&I

VariableOffsetRedraw

Interest

7.19%p.a.

Comparison*

7.34%p.a.

Est. repayment

$3,391

LVR 55 to 65%

Enquire

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

VariableOffsetRedraw

Interest

7.49%p.a.

Comparison*

Not available

Est. interest only / month

$3,121

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 55% - 65% LVR <$2.5m Investment IO

VariableOffsetRedraw

Interest

7.49%p.a.

Comparison*

Not available

Est. interest only / month

$3,121

LVR 55 to 65%

Based on a $500,000 balance

Enquire

Pepper MoneyPepper Essential Alt Doc <55% LVR <$2.5m Investment P&I

VariableOffsetRedraw

Interest

7.39%p.a.

Comparison*

7.54%p.a.

Est. repayment

$3,458

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Alt Doc 10 Year Fixed <55% LVR Investment P&I

Variable

Interest

7.39%p.a.

Comparison*

7.54%p.a.

Est. repayment

$3,458

LVR ≤55%

Enquire

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

Variable

Interest

7.39%p.a.

Comparison*

7.54%p.a.

Est. repayment

$3,458

LVR ≤55%

Enquire

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

Variable

Interest

7.39%p.a.

Comparison*

7.54%p.a.

Est. repayment

$3,458

LVR ≤55%

Enquire

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

Variable

Interest

7.39%p.a.

Comparison*

7.54%p.a.

Est. repayment

$3,458

LVR ≤55%

Enquire

Pepper MoneyPepper Essential Alt Doc 7 Year Fixed <55% LVR Investment P&I

Variable

Interest

7.39%p.a.

Comparison*

7.54%p.a.

Est. repayment

$3,458

LVR ≤55%

Enquire

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

VariableOffsetRedraw

Interest

7.54%p.a.

Comparison*

Not available

Est. interest only / month

$3,142

LVR ≤55%

Based on a $500,000 balance

Enquire

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

Variable

Interest

7.54%p.a.

Comparison*

Not available

Est. interest only / month

$3,142

LVR ≤55%

Based on a $500,000 balance

Enquire

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

Variable

Interest

7.54%p.a.

Comparison*

Not available

Est. interest only / month

$3,142

LVR ≤55%

Based on a $500,000 balance

Enquire

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

Variable

Interest

7.54%p.a.

Comparison*

Not available

Est. interest only / month

$3,142

LVR ≤55%

Based on a $500,000 balance

Enquire

Pepper MoneyPepper Essential Full Doc 65% - 70% LVR <$2.5m Investment P&I

VariableOffsetRedraw

Interest

7.44%p.a.

Comparison*

7.59%p.a.

Est. repayment

$3,476

LVR 65 to 70%

Enquire

Pepper MoneyPepper Essential Alt Doc 10 Year Fixed 55% - 65% LVR Investment P&I

Variable

Interest

7.49%p.a.

Comparison*

7.64%p.a.

Est. repayment

$3,493

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Alt Doc 10 Year Fixed 65% - 70% LVR Investment P&I

Variable

Interest

7.49%p.a.

Comparison*

7.64%p.a.

Est. repayment

$3,493

LVR 65 to 70%

Enquire

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

Variable

Interest

7.49%p.a.

Comparison*

7.64%p.a.

Est. repayment

$3,493

LVR 55 to 65%

Enquire

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

Variable

Interest

7.49%p.a.

Comparison*

7.64%p.a.

Est. repayment

$3,493

LVR 65 to 70%

Enquire

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

Variable

Interest

7.49%p.a.

Comparison*

7.64%p.a.

Est. repayment

$3,493

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Alt Doc 3 Year Fixed 65% - 70% LVR Investment P&I

Variable

Interest

7.49%p.a.

Comparison*

7.64%p.a.

Est. repayment

$3,493

LVR 65 to 70%

Enquire

Pepper MoneyPepper Essential Alt Doc 5 Year Fixed 55% - 65% LVR Investment P&I

Variable

Interest

7.49%p.a.

Comparison*

7.64%p.a.

Est. repayment

$3,493

LVR 55 to 65%

Enquire

Pepper MoneyPepper Essential Alt Doc 5 Year Fixed 65% - 70% LVR Investment P&I

Variable

Interest

7.49%p.a.

Comparison*

7.64%p.a.

Est. repayment

$3,493

LVR 65 to 70%

Enquire

Pepper MoneyPepper Essential Alt Doc 55% - 65% <$2.5m LVR Investment P&I

VariableOffsetRedraw

Interest

7.49%p.a.

Comparison*

7.64%p.a.

Est. repayment

$3,493

LVR ≤65%

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 · Investor

Pepper Money investor home loans, what to weigh

Pepper Money's investor panel, interest-only options where available, ranked sharpest-first by comparison 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 investor option has the same price.