Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR 65 to 70%
Pepper Money Home Loan Rates
What are Pepper Money home loan rates?
Pepper Money home loan rates are the owner-occupier and investor products in the live table on this page. The lowest verified Pepper Money variable rate in that 80% LVR owner-occupier principal-and-interest slot is 7.09% p.a. (7.24% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 27 August 2026. Compare Pepper against the wider market on home loan rates.
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.
Tracked products
1773
Lowest variable
6.74%
Lowest fixed
7.24%
Lowest comparison
6.89%
Last updated
11 Sept 2026
Pepper Money is one of Australia's largest non-bank lenders, ASX-listed and headquartered in Sydney. Specialising in near-prime, alt-doc and credit-impaired home loans that the Big 4 typically decline, Pepper offers Full Doc, Alt Doc and Specialist tiers with risk-based pricing. Loans settle via mortgage-manager and third-party distribution networks, with no direct-to-consumer arm.
What are Pepper Money home loan rates?
Pepper Money home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.74% p.a. and the lowest fixed rate currently 7.24% p.a., checked daily (last verified 11 Sept 2026). Compare Pepper Money against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Pepper Money home loan rate?
The lowest Pepper Money variable home loan rate Ratesniffers tracks is 6.74% p.a., and the lowest fixed rate is 7.24% p.a. These figures come from the 60 Pepper Money products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Pepper Money offer?
Ratesniffers currently tracks 1773 Pepper Money home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Pepper Money home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Investor P&I | 7.69% p.a. | 7.92% p.a. | 70% |
| Variable Investor P&I | 7.69% p.a. | 7.92% p.a. | 70% |
| Variable Investor P&I | 7.69% p.a. | 7.92% p.a. | 70% |
| Variable Investor P&I | 7.69% p.a. | 7.92% p.a. | 70% |
| Variable Owner-occupier P&I | 7.69% p.a. | 7.92% p.a. | 55% |
| Variable Owner-occupier P&I | 7.69% p.a. | 7.92% p.a. | 55% |
| Variable Owner-occupier P&I | 7.69% p.a. | 7.92% p.a. | 55% |
| Variable Owner-occupier P&I | 7.69% p.a. | 7.92% p.a. | 55% |
| Variable Owner-occupier P&I | 7.69% p.a. | 7.92% p.a. | 65% |
| Variable Owner-occupier P&I | 7.69% p.a. | 7.92% p.a. | 55% |
| Variable Owner-occupier P&I | 7.69% p.a. | 7.92% p.a. | 65% |
| Variable Owner-occupier P&I | 7.69% p.a. | 7.92% p.a. | 55% |
60 of 1773 tracked Pepper Money home loan products
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR 65 to 70%
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR 65 to 70%
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR 65 to 70%
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR ≤55%
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR ≤55%
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR ≤55%
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR ≤55%
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR 55 to 65%
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR ≤55%
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR 55 to 65%
Interest
7.69%p.a.
Comparison*
7.92%p.a.
Est. repayment
$3,561
LVR ≤55%
Interest
7.79%p.a.
Comparison*
7.94%p.a.
Est. repayment
$3,596
LVR 70 to 75%
Interest
7.79%p.a.
Comparison*
7.94%p.a.
Est. repayment
$3,596
LVR 75 to 80%
Interest
7.94%p.a.
Comparison*
7.68%p.a.
Est. repayment
$3,648
LVR ≤55%
Interest
7.94%p.a.
Comparison*
7.68%p.a.
Est. repayment
$3,648
LVR 55 to 65%
Interest
7.74%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,579
LVR ≤55%
Interest
7.74%p.a.
Comparison*
7.97%p.a.
Est. repayment
$3,579
LVR 55 to 65%
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 70 to 75%
Interest
7.84%p.a.
Comparison*
7.99%p.a.
Est. repayment
$3,613
LVR 75 to 80%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 70 to 75%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 75 to 80%
Interest
7.99%p.a.
Comparison*
7.71%p.a.
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
7.73%p.a.
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 70 to 75%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 75 to 80%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤55%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤55%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 55 to 65%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤55%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 55 to 65%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤55%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 55 to 65%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 55 to 65%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 65 to 70%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤55%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤55%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤55%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR ≤55%
Interest
7.99%p.a.
Comparison*
Not available
Est. repayment
$3,665
LVR 55 to 65%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 70 to 75%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 75 to 80%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 70 to 75%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 75 to 80%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 70 to 75%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 75 to 80%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 70 to 75%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 75 to 80%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 70 to 75%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 75 to 80%
Interest
7.79%p.a.
Comparison*
8.02%p.a.
Est. repayment
$3,596
LVR 70 to 75%
*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.
Who is Pepper Money?
Pepper Money is one of Australia's best-known specialist non-bank lenders, ASX-listed since 2021 (after an earlier 2015 listing and private-equity ownership in between). It built its name on 'real-life' lending: borrowers the banks' standard criteria don't fit.
That means self-employed applicants with alt-doc income evidence, borrowers with past credit events, and complex scenarios, priced across prime, near-prime and specialist tiers rather than a single one-size rate.
Who suits a Pepper Money home loan?
Pepper tends to suit self-employed borrowers, applicants with a credit blemish that time has healed, and anyone the major banks have declined on paperwork rather than capacity. Specialist tiers price above bank rates, so treat Pepper as a bridge: take the loan, rebuild the file, then refinance sharper, and compare its prime tier against the table above.
Background facts checked 21 July 2026. Rates above refresh independently.
Pepper Money fees, offset and limits at a glance
- Application or establishment fee
- $599 Essential & $995 Clear, Easy and Advantage
- Discharge fee
- $500
- Settlement fee
- $0
- Additional valuation fee
- $300
- Loan portability
- Yes
- Offset account
- 100% Offset sub-account available on all products
- Capitalising LMI
- Max LVR is inclusive of Lender Protection Fee
- Maximum total lending
- $2m on Prime and $2.5m on Near Prime Clear/Near Prime/Specialist
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Pepper Money home loans: frequently asked questions
What are Pepper Money home loan rates?
Pepper Money home loan rates are the owner-occupier and investor products in the live table on this page. The lowest verified Pepper Money variable rate in that 80% LVR owner-occupier principal-and-interest slot is 7.09% p.a. (7.24% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 27 August 2026. Compare Pepper against the wider market at /home-loans.
What are Pepper rates?
Pepper Money home loan rates for an owner-occupier principal-and-interest loan at 80% LVR are 7.09% p.a. (7.24% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 27 August 2026. Compare Pepper against the wider market at /home-loans. This is general information, not a recommendation to borrow.
What are Pepper Money rates?
Pepper Money home loan rates for an owner-occupier principal-and-interest loan at 80% LVR are 7.09% p.a. (7.24% comparison rate) for an owner-occupier principal-and-interest loan at 80% LVR, as of 27 August 2026. Compare Pepper against the wider market at /home-loans. This is general information, not a recommendation to borrow.
What is the lowest Pepper Money home loan rate?
Pepper Money's lowest variable home loan rate is currently 6.74% p.a., and its lowest fixed rate is 7.24% p.a., based on the 60 Pepper Money products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Pepper Money approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Pepper Money home loan?
At Pepper Money's lowest variable rate of 6.74% p.a., a $600,000 principal and interest loan over 30 years repays about $3,888 a month, and $500,000 about $3,240. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Pepper Money home loan?
There is no single salary. Like every Australian lender, Pepper Money must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.74% p.a. is assessed at about 9.74% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
How does Pepper Money's home loan rate compare to the market?
Pepper Money's lowest variable home loan rate today is 6.74% p.a., which is 50 basis points above the market median of 6.24% p.a., so there are sharper variable rates available elsewhere today, and it's worth comparing or asking Pepper Money to match a lower rate. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Pepper Money sits right now rather than a fixed snapshot.
How many home loan products does Pepper Money offer?
Ratesniffers currently tracks 1773 Pepper Money home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Pepper Money competitive for refinancing?
It depends on your loan size and LVR. Pepper Money's lowest comparison rate is currently 6.89% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Pepper Money against the sharpest available rate usually pays off.
How often are Pepper Money's home loan rates updated?
Ratesniffers refreshes Pepper Money's home loan rates daily; this page was last updated 11 Sept 2026. Rates can change whenever Pepper Money reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.