Your rate is changing
Effective date
This change will take effect from 9 October 2026.
What type of loans will this apply to?
The interest rate increase will apply to Pepper Money and RAMS now powered by Pepper Money customers with existing variable interest rate loans including all variable home loans, variable commercial real estate, variable construction and Self-Managed Super Fund (SMSF) loans.
What happens next?
We’ll be sending eligible customers a letter confirming their new interest rate, new minimum monthly repayments, and the effective date of the new repayments.
Having trouble making repayments?
We understand that a rate increase may place additional pressure on some customers.
We’re here to help. A hardship arrangement could change how often or how much you need to pay, and help stop missed payments showing on your credit report.
You can get in touch with us on 1800 185 914 or visit our financial support hub at www.peppermoney.com.au/financial-support.
