Pepper Money Home Loans
Compare 14 Pepper Money home loans alongside the rest of the market, with the Pepper Money filter already applied. Starting from 6.99% p.a. (7.17% comparison rate*) for a variable, owner-occupied loan.
Comparing 14 owner-occupied home loans
Borrowing $500,000 over 30 years at the lowest advertised shown:
- Monthly repayment from
- $3,323/mo
- Total repaid
- $1,196,336
- Total interest
- $696,336
Estimate only, based on the lowest advertised interest rate shown and assuming equal monthly repayments. Actual repayments depend on your rate, fees and loan terms.
| Product | Actions | ||||||
|---|---|---|---|---|---|---|---|
 | Advertised rate7.29% | Comparison rate7.29% | Monthly repayment$3,038/moInterest-only period | VariableOwner-occupiedInterest onlyFeatures: Extra repayments | Our home loan gives you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for… | ||
| Advertised rate7.34% | Comparison rate7.52% | Monthly repayment$3,058/moInterest-only period | VariableOwner-occupiedInterest onlyFeatures: Extra repayments | Our home loan gives you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for… | ||
| Advertised rate7.79% | Comparison rate7.33% | Monthly repayment$3,246/moInterest-only period | Fixed 2 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate7.79% | Comparison rate7.87% | Monthly repayment$3,246/moInterest-only period | VariableOwner-occupiedInterest onlyFeatures: Extra repayments | We understand that everyone’s real-life situation is different. We look at more than just your credit score, which is why we may be able to help when others can’t. Our home loan gives you the… | ||
| Advertised rate7.84% | Comparison rate7.60% | Monthly repayment$3,267/moInterest-only period | Fixed 2 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate7.89% | Comparison rate7.42% | Monthly repayment$3,288/moInterest-only period | Fixed 3 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate7.94% | Comparison rate7.68% | Monthly repayment$3,308/moInterest-only period | Fixed 3 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate8.09% | Comparison rate7.65% | Monthly repayment$3,371/moInterest-only period | Fixed 5 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate8.14% | Comparison rate7.89% | Monthly repayment$3,392/moInterest-only period | Fixed 5 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate8.24% | Comparison rate8.32% | Monthly repayment$3,433/moInterest-only period | VariableOwner-occupiedInterest onlyFeatures: Extra repayments | We understand that everyone’s real-life situation is different. We look at more than just your credit score, which is why we may be able to help when others can’t. Our home loan gives you the… | ||
| Advertised rate8.24% | Comparison rate8.32% | Monthly repayment$3,433/moInterest-only period | VariableOwner-occupiedInterest onlyFeatures: Extra repayments | We understand that everyone’s real-life situation is different. We look at more than just your credit score, which is why we may be able to help when others can’t. Our home loan gives you the… | ||
| Advertised rate8.29% | Comparison rate7.91% | Monthly repayment$3,454/moInterest-only period | Fixed 2 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate8.39% | Comparison rate8.01% | Monthly repayment$3,496/moInterest-only period | Fixed 3 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate8.44% | Comparison rate8.53% | Monthly repayment$3,517/moInterest-only period | VariableOwner-occupiedInterest onlyFeatures: Extra repayments | We understand that everyone’s real-life situation is different. We look at more than just your credit score, which is why we may be able to help when others can’t. Our home loan gives you the… | ||
| Advertised rate8.59% | Comparison rate8.24% | Monthly repayment$3,579/moInterest-only period | Fixed 5 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate8.59% | Comparison rate9.00% | Monthly repayment$3,579/moInterest-only period | VariableOwner-occupiedInterest onlyFeatures: Extra repayments | Our construction home loan options provide interest only repayments during the construction period (max 18 months) with access to our online loan portal and the freedom to make additional repayments… | ||
| Advertised rate8.59% | Comparison rate8.80% | Monthly repayment$3,579/moInterest-only period | VariableOwner-occupiedInterest onlyFeatures: Extra repayments | Our construction home loan options provide interest only repayments during the construction period (max 18 months) with access to our online loan portal and the freedom to make additional repayments… | ||
| Advertised rate8.74% | Comparison rate8.36% | Monthly repayment$3,642/moInterest-only period | Fixed 2 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate8.74% | Comparison rate8.36% | Monthly repayment$3,642/moInterest-only period | Fixed 2 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
| Advertised rate8.84% | Comparison rate8.47% | Monthly repayment$3,683/moInterest-only period | Fixed 3 yearsOwner-occupiedInterest onlyFeatures: Extra repayments | |||
Comparison rate warning and base criteria
Base criteria: repayment figures shown in this table are calculated on a loan of $500,000 over 30 years. Repayment estimates use each loan’s advertised interest rate, with the comparison rate shown beside it as a guide to total cost. These figures are examples only. They are not a quote, and they may not include all fees and charges.
*Warning: the comparison rate shown is calculated by the lender on its own standard example, usually a $150,000 loan over 25 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Products are selected for relevance to the table and to the filters applied. They are not suggestions or recommendations, and the order they appear in is not a ranking of suitability.
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Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
We do not compare every home loans available in Australia, and this table does not compare every feature that may be relevant to you. Changing the filters will surface further relevant products. See how we sort and rank products and how we make money.
This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.
Guides
- All About Your First Home Loan First home buyer guide Almost every first home buyer question comes back to one number, the deposit. Here is how much you need, what changes when you have less than 20%, and what the purchase costs in total before anyone hands you the keys.
- Home Loans Guide How to refinance your home loan For many Australian borrowers, refinancing is one of the larger savings available, and one that often gets put off. Here is the whole process, what it actually costs, and how to tell whether switching leaves you ahead.
The Numbers Behind These Rates
Where this market sits today, and the official figures behind it.
- Market averages Home Loan Market Averages Today's average home loan rate, by segment, and how it has moved since the last reading. Taken from every product in the feed, not a survey.
- Statistics Average Home Loan Interest Rate in Australia The average home loan interest rate moves with the Reserve Bank cash rate and with competition between lenders. The figures below combine live rates from the loans we compare with the official RBA benchmarks.
- Statistics Average Home Loan Size in Australia The average new home loan has climbed sharply as property prices have risen. Here is the latest figure from the Australian Bureau of Statistics, how it varies by state, and what a loan that size costs to repay at today’s lowest variable rate.
- Statistics Average House Deposit and LVR in Australia Your deposit sets your Loan to Value Ratio, which shapes both your interest rate and whether you pay Lenders Mortgage Insurance. Here is what Australians actually put down, and how far a smaller deposit can stretch.
- Rate Tracker Every Market, One Page The daily average across home loans, savings, term deposits, credit cards and personal and car loans, measured against the RBA cash rate.