Pepper Money home loan rates
PEPPER MONEY LIMITED · ACL 286655 · Non-bank lender
Rates as at 2026-10-20. 133 rates across 12 products.
Variable rates
| Product | Rate | Comparison | Type | Purpose | Repayment | Conditions |
|---|---|---|---|---|---|---|
| Pepper Prime Full Doc (2 tiers) | 6.99–8.59% | — | Variable | Owner occupier | P&I | LVR <=55% |
| Pepper Prime Full Doc | 6.99% | — | Variable | Owner occupier | P&I | LVR 55-65% |
| Pepper Prime Alt Doc | 7.19% | — | Variable | Owner occupier | P&I | LVR <=55% |
| Pepper Prime Full Doc (4 tiers) | 7.24–8.39% | — | Variable | Owner occupier | P&I | LVR 65-70% |
| Pepper Prime Alt Doc | 7.29% | — | Variable | Owner occupier | P&I | LVR 55-65% |
| Pepper Prime Alt Doc (3 tiers) | 7.29–8.94% | — | Variable | Owner occupier | P&I | LVR 65-70% |
| Pepper Prime | 7.34% | — | Variable | Owner occupier | P&I | LVR <=60% |
| Pepper Prime Full Doc (4 tiers) | 7.34–8.79% | — | Variable | Owner occupier | P&I | LVR 70-75% |
| Pepper Prime Full Doc (3 tiers) | 7.34–8.94% | — | Variable | Owner occupier | P&I | LVR 75-80% |
| Pepper Prime Full Doc | 7.34% | — | Variable | Owner occupier | P&I | LVR <=60% |
| Pepper Prime | 7.39% | — | Variable | Owner occupier | P&I | LVR 60-70% |
| Pepper Prime Alt Doc (3 tiers) | 7.39–9.24% | — | Variable | Owner occupier | P&I | LVR 70-75% |
| Pepper Prime Alt Doc (4 tiers) | 7.39–9.99% | — | Variable | Owner occupier | P&I | LVR 75-80% |
| Pepper Prime Full Doc (3 tiers) | 7.39–8.04% | — | Variable | Owner occupier | P&I | LVR 60-65% |
| Pepper Near Prime Clear Full Doc | 7.49% | — | Variable | Owner occupier | P&I | LVR <=55% |
| Pepper Near Prime Clear Full Doc | 7.49% | — | Variable | Owner occupier | P&I | LVR 55-65% |
| Pepper Near Prime Clear Full Doc | 7.59% | — | Variable | Owner occupier | P&I | LVR 65-70% |
| Pepper Prime | 7.64% | — | Variable | Owner occupier | P&I | LVR 70-80% |
| Pepper Prime Alt Doc | 7.64% | — | Variable | Owner occupier | P&I | LVR 70-80% |
| Pepper Near Prime Clear Full Doc | 7.69% | — | Variable | Owner occupier | P&I | LVR 70-75% |
| Pepper Near Prime Clear Full Doc | 7.79% | — | Variable | Owner occupier | P&I | LVR 75-80% |
| Pepper Prime | 7.89% | — | Variable | Owner occupier | P&I | LVR <=50% |
| Pepper Prime | 7.89% | — | Variable | Owner occupier | P&I | LVR 50-60% |
| Pepper Prime Full Doc (2 tiers) | 7.89–8.04% | — | Variable | Owner occupier | P&I | LVR <=50% |
| Pepper Prime Full Doc (2 tiers) | 7.89–8.04% | — | Variable | Owner occupier | P&I | LVR 50-60% |
| Pepper Near Prime Clear Alt Doc | 7.94% | — | Variable | Owner occupier | P&I | LVR <=55% |
| Pepper Near Prime Clear Alt Doc | 7.94% | — | Variable | Owner occupier | P&I | LVR 55-65% |
| Pepper Near Prime Clear Alt Doc | 7.94% | — | Variable | Owner occupier | P&I | LVR 65-70% |
| Pepper Near Prime Full Doc (2 tiers) | 7.94–8.89% | — | Variable | Owner occupier | P&I | LVR <=55% |
| Pepper Near Prime Full Doc | 7.94% | — | Variable | Owner occupier | P&I | LVR 55-65% |
| Pepper Prime | 7.99% | — | Variable | Owner occupier | P&I | LVR 60-65% |
| Pepper Near Prime Clear Alt Doc | 8.04% | — | Variable | Owner occupier | P&I | LVR 70-75% |
| Pepper Near Prime Clear Alt Doc | 8.04% | — | Variable | Owner occupier | P&I | LVR 75-80% |
| Pepper Near Prime Full Doc (4 tiers) | 8.04–9.59% | — | Variable | Owner occupier | P&I | LVR 65-70% |
| Pepper Near Prime Full Doc (4 tiers) | 8.04–9.64% | — | Variable | Owner occupier | P&I | LVR 70-75% |
| Pepper Near Prime Alt Doc | 8.14% | — | Variable | Owner occupier | P&I | LVR <=55% |
| Pepper Near Prime Alt Doc | 8.14% | — | Variable | Owner occupier | P&I | LVR 55-65% |
| Pepper Near Prime Alt Doc (3 tiers) | 8.14–9.89% | — | Variable | Owner occupier | P&I | LVR 65-70% |
| Pepper Near Prime | 8.24% | — | Variable | Owner occupier | P&I | LVR <=60% |
| Pepper Near Prime Alt Doc (3 tiers) | 8.24–9.94% | — | Variable | Owner occupier | P&I | LVR 70-75% |
| Pepper Near Prime Full Doc (3 tiers) | 8.24–9.84% | — | Variable | Owner occupier | P&I | LVR 75-80% |
| Pepper Prime Full Doc (2 tiers) | 8.24–8.74% | — | Variable | Owner occupier | P&I | LVR 80-85% |
| Pepper Near Prime Clear Full Doc | 8.29% | — | Variable | Owner occupier | P&I | LVR 80-85% |
| Pepper Near Prime Alt Doc (4 tiers) | 8.34–10.24% | — | Variable | Owner occupier | P&I | LVR 75-80% |
| Pepper Near Prime | 8.44% | — | Variable | Owner occupier | P&I | LVR 60-70% |
| Pepper Near Prime | 8.44% | — | Variable | Owner occupier | P&I | LVR 70-80% |
| Pepper Near Prime Full Doc | 8.49% | — | Variable | Owner occupier | P&I | LVR <=60% |
| Pepper Near Prime Full Doc (3 tiers) | 8.49–9.79% | — | Variable | Owner occupier | P&I | LVR 60-65% |
| Pepper Prime Alt Doc | 8.69% | — | Variable | Owner occupier | P&I | LVR <=50% |
| Pepper Prime Alt Doc | 8.69% | — | Variable | Owner occupier | P&I | LVR 50-60% |
| Pepper Prime Alt Doc | 8.69% | — | Variable | Owner occupier | P&I | LVR 60-65% |
| Pepper Near Prime Alt Doc | 8.79% | — | Variable | Owner occupier | P&I | LVR 70-80% |
| Pepper Near Prime Full Doc (2 tiers) | 8.79–9.49% | — | Variable | Owner occupier | P&I | LVR <=50% |
| Pepper Near Prime Full Doc (2 tiers) | 8.79–9.49% | — | Variable | Owner occupier | P&I | LVR 50-60% |
| Pepper Prime Full Doc | 8.79% | — | Variable | Owner occupier | P&I | LVR 55-70% |
| Pepper Near Prime Full Doc (2 tiers) | 8.84–9.24% | — | Variable | Owner occupier | P&I | LVR 80-85% |
| Pepper Specialist Full Doc | 8.89% | — | Variable | Owner occupier | P&I | LVR <=55% |
| Pepper Specialist Full Doc | 8.89% | — | Variable | Owner occupier | P&I | LVR 55-65% |
| Pepper Prime Full Doc | 8.94% | — | Variable | Owner occupier | P&I | LVR 85-90% |
| Pepper Specialist Full Doc | 8.99% | — | Variable | Owner occupier | P&I | LVR 65-70% |
| Pepper Specialist Full Doc | 8.99% | — | Variable | Owner occupier | P&I | LVR 70-75% |
| Pepper Near Prime Full Doc | 9.09% | — | Variable | Owner occupier | P&I | LVR 55-70% |
| Pepper Near Prime | 9.19% | — | Variable | Owner occupier | P&I | LVR <=50% |
| Pepper Near Prime | 9.19% | — | Variable | Owner occupier | P&I | LVR 50-60% |
| Pepper Near Prime Alt Doc | 9.19% | — | Variable | Owner occupier | P&I | LVR <=50% |
| Pepper Near Prime Alt Doc | 9.19% | — | Variable | Owner occupier | P&I | LVR 50-60% |
| Pepper Specialist Alt Doc | 9.19% | — | Variable | Owner occupier | P&I | LVR <=55% |
| Pepper Specialist Alt Doc | 9.19% | — | Variable | Owner occupier | P&I | LVR 55-65% |
| Pepper Specialist Alt Doc | 9.19% | — | Variable | Owner occupier | P&I | LVR 65-70% |
| Pepper Specialist Full Doc | 9.19% | — | Variable | Owner occupier | P&I | LVR 75-80% |
| Pepper Specialist Alt Doc | 9.29% | — | Variable | Owner occupier | P&I | LVR 70-75% |
| Pepper Near Prime Alt Doc | 9.34% | — | Variable | Owner occupier | P&I | LVR 60-65% |
| Pepper Near Prime | 9.49% | — | Variable | Owner occupier | P&I | LVR 60-65% |
| Pepper Prime Alt Doc | 9.59% | — | Variable | Owner occupier | P&I | LVR 80-85% |
| Pepper Specialist Alt Doc | 9.59% | — | Variable | Owner occupier | P&I | LVR 75-80% |
| Pepper Prime Alt Doc | 9.69% | — | Variable | Owner occupier | P&I | LVR 85-90% |
| Pepper Prime Alt Doc | 9.79% | — | Variable | Owner occupier | P&I | LVR 90-95% |
| Pepper Specialist Full Doc | 9.99% | — | Variable | Owner occupier | P&I | LVR 80-85% |
| Pepper Specialist Plus Full Doc | 9.99% | — | Variable | Owner occupier | P&I | LVR <=55% |
| Pepper Specialist Plus Full Doc | 9.99% | — | Variable | Owner occupier | P&I | LVR 55-65% |
| Pepper Specialist Plus Full Doc | 10.09% | — | Variable | Owner occupier | P&I | LVR 65-70% |
| Pepper Specialist Plus Full Doc | 10.09% | — | Variable | Owner occupier | P&I | LVR 70-75% |
| Pepper Near Prime Alt Doc | 10.24% | — | Variable | Owner occupier | P&I | LVR 80-85% |
| Pepper Near Prime Full Doc | 10.24% | — | Variable | Owner occupier | P&I | LVR 85-90% |
| Pepper Specialist Plus Alt Doc | 10.39% | — | Variable | Owner occupier | P&I | LVR <=55% |
| Pepper Specialist Plus Alt Doc | 10.39% | — | Variable | Owner occupier | P&I | LVR 55-65% |
| Pepper Specialist Plus Alt Doc | 10.39% | — | Variable | Owner occupier | P&I | LVR 65-70% |
| Pepper Specialist Plus Full Doc | 10.39% | — | Variable | Owner occupier | P&I | LVR 75-80% |
| Pepper Near Prime Alt Doc | 10.54% | — | Variable | Owner occupier | P&I | LVR 85-90% |
| Pepper Specialist Plus Alt Doc | 10.59% | — | Variable | Owner occupier | P&I | LVR 70-75% |
| Pepper Near Prime Alt Doc | 10.84% | — | Variable | Owner occupier | P&I | LVR 90-95% |