Pepper Money · Owner-occupier · Updated September 2026

Pepper Money Owner-occupier Home Loans, September 2026

Pepper Money lists 24 owner occupier home loans in the Ratesniffers index today. The lowest is 6.74% p.a. (comparison rate 6.89% p.a.), on Pepper Essential Full Doc <55% LVR <$2.5m 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 owner occupier home loan rates, September 2026

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

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

6.89%p.a.

Est. repayment

$3,240

LVR ≤55%

Enquire

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

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

6.89%p.a.

Est. repayment

$3,240

LVR 55 to 65%

Enquire

Pepper MoneyOwner-Occupier < 55% LVR

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

6.92%p.a.

Est. repayment

$3,240

LVR ≤55%

Enquire

Pepper MoneyInvestor < 55% LVR

VariableOffsetRedraw

Interest

6.74%p.a.

Comparison*

6.92%p.a.

Est. repayment

$3,240

LVR ≤55%

Enquire

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 P&I

VariableOffsetRedraw

Interest

6.94%p.a.

Comparison*

7.09%p.a.

Est. repayment

$3,306

LVR ≤55%

Enquire

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

Variable

Interest

6.94%p.a.

Comparison*

7.09%p.a.

Est. repayment

$3,306

LVR ≤55%

Enquire

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

Variable

Interest

6.94%p.a.

Comparison*

7.09%p.a.

Est. repayment

$3,306

LVR ≤55%

Enquire

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

Variable

Interest

6.94%p.a.

Comparison*

7.09%p.a.

Est. repayment

$3,306

LVR ≤55%

Enquire

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

Variable

Interest

6.94%p.a.

Comparison*

7.09%p.a.

Est. repayment

$3,306

LVR ≤55%

Enquire

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

Variable

Interest

6.94%p.a.

Comparison*

7.09%p.a.

Est. repayment

$3,306

LVR ≤55%

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 Full Doc 65% - 70% LVR <$2.5m Owner Occupied P&I

VariableOffsetRedraw

Interest

6.99%p.a.

Comparison*

7.14%p.a.

Est. repayment

$3,323

LVR 65 to 70%

Enquire

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

Variable

Interest

7.04%p.a.

Comparison*

7.19%p.a.

Est. repayment

$3,340

LVR 55 to 65%

Enquire

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

Variable

Interest

7.04%p.a.

Comparison*

7.19%p.a.

Est. repayment

$3,340

LVR 65 to 70%

Enquire

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

Variable

Interest

7.04%p.a.

Comparison*

7.19%p.a.

Est. repayment

$3,340

LVR 55 to 65%

Enquire

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

Variable

Interest

7.04%p.a.

Comparison*

7.19%p.a.

Est. repayment

$3,340

LVR 65 to 70%

Enquire

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

Variable

Interest

7.04%p.a.

Comparison*

7.19%p.a.

Est. repayment

$3,340

LVR 55 to 65%

Enquire

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

Variable

Interest

7.04%p.a.

Comparison*

7.19%p.a.

Est. repayment

$3,340

LVR 65 to 70%

Enquire

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

Variable

Interest

7.04%p.a.

Comparison*

7.19%p.a.

Est. repayment

$3,340

LVR 55 to 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 · Owner-occupier

Pepper Money owner-occupier home loans, what to weigh

Pepper Money's owner-occupier panel, P&I and offset-eligible products at every LVR band, 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 owner-occupier option has the same price.