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Pepper Money Essential
Basic Info
Interest Rate 6.04%
Comparison Rate* 6.23%*
Loan Type Variable
Min Deposit 5%
Features
100% Offset Account
Extra Repayments
Redraw Facility
Construction
Split Loan
Capitalise LMI
Branch Network
Credit Card
Fees
Application Fee $599
Monthly Fee $10
Annual Fee $0
Settlement Fee $0
Legal Fee $440
Valuation Fee $0
Redraw Fee $0
Extra Repayment Fee $0
Split Fee $0
Rate Lock Fee $0
Other Fee $0
Maximum LVR by Loan Size
$100,000 – $650,000 95%
$650,000 – $750,000 90%
$750,000 – $850,000 85%
$850,000 – $1,500,000 75%
$15,000,000 – $2,000,000 70%
Miscellaneous
Term 10-30yrs
Owner Both
Maximum LVR 95%
LMI Payable -
LMI Provider -
Repayment Methods P&I
Min Loan Size $100k
Max Loan Size $2M
Availability
Full Doc
Low Doc
Non Conforming
Credit Impaired
Interest Rates Discounts Based on Loan Amount and LVR
| Loan Amount vs LVR | 0% - 55% | 55% - 65% | 65% - 70% | 70% - 75% | 75% - 80% | 80% - 85% | 85% - 90% | 90% - 100% |
|---|---|---|---|---|---|---|---|---|
| $100,000 - $2,000,000 | 6.04% | 6.14% | 6.20% | 6.25% | 6.55% | 6.75% | 7.22% | 7.55% |
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*The comparison rates above are for secured home loan products of the lenders as shown, based on a loan amount of $150,000 and a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
**Different terms, fees or other loan amounts may result in different repayment amounts.
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