Pepper Money home loan fee summary [Infographic]

 Last updated: 8 May 2024 |  Estimated read time: 2 Minutes

While the home buying journey is an exciting one, it is also important to be aware of all the fees associated with your home loan application so that you can put some money aside to cover these expenses and be prepared.

The following infographic outlines the fees payable on a Pepper Money Home Loan.

Administrative costs

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Establishment Fee

Required as part of the application process on all new loans, including refinancing existing Pepper Money loans. The establishment fee includes a valuation.


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Valuation Fee

If a valuation is ordered by Pepper Money it’s included as part of the establishment fee.

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Title Protection Fee

A one-off, non–refundable payment similar to title protection insurance as it protects the lender against loss caused by legal matters relating to the title of the property.

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Legal Fee

Covers the cost of solicitors used in all the legal matters for home loan contracts and settlement.


Settlement and ongoing fees of your loan

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Monthly Administration Fee

A monthly fee for administering the loan and is payable in arrears on the same day each month as the settlement date.


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Lender Protection Fee

A one-off non-refundable fee used to offset the risk associated with loans of a higher Loan to Value Ratio (LVR). A bit like LMI it protects lenders against the unfortunate event of a defaulted loan. 

Mortgage risk fee

Mortgage Risk Fee (MRF)

Similar to LPF, it protects Pepper Money against the unfortunate event of a defaulted loan.

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Discharge Administration Fee

A fee you pay when you discharge the loan agreement early. 

Keen to print or keep hold of this information? You can download the PDF version of this infographic. And if you’re interested in learning more about our home loan fees, then visit our Pepper Home Loans Fees: Fact Sheet.

We're here to help

To find out which Pepper Money home loan product could work for you, or if you just have some questions you’d like answered around our fees and charges, speak to a Lending Specialist on 137 377. We have a variety of flexible home loan solutions whether you’re looking to refinance, buy your first home or add a new property to your portfolio.

Apply for a Pepper Money Home Loan

Want to find out where you stand?

We've got the online tools and calculators to help get your home loan journey underway. Work out how much you may be able to borrow and even quickly find out what indicative interest rate you might be eligible for.

Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. 

The results of the borrowing power calculator are based on information you have provided and is to be used as a guide only. The output of the calculator is subject to the assumptions provided in the calculator (see 'about this calculator') and are subject to change. It does not constitute a quote, pre-qualification, approval for credit or an offer for credit and you should not enter commitments based on it. The interest rates do not reflect true interest rates and the formula used for the purpose of calculating estimated borrowing power is based on the assumption that interest rates remain constant for the chosen loan term. Your borrowing power amount will be different if a full application is submitted and we complete responsible lending assessment. The results in the calculator do not take into account loan setup or establishment fees nor government, statutory or lenders fees, which may be applicable from time to time. Calculator by Widgetworks.

Pepper Money Personal Loans is a brand of Pepper Money Limited. Credit is provided by Now Finance Group Pty Ltd, Australian Credit Licence Number 425142 as agent for NF Finco 2 Pty Limited ACN 164 213 030. Personal information for Pepper Money Personal Loans is collected, used and disclosed in accordance with Pepper’s Privacy Policy & the credit provider’s Privacy Policy.

Pepper Money Limited ABN 55 094 317 665; AFSL 286655; Australian Credit Licence 286655 (“Pepper”). All rights reserved. Pepper is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647. Pepper Asset Finance Pty Limited ACN 165 183 317 Australian Credit Licence 458899 is the credit provider for asset finance loans.

Pepper and the Pepper Money logo are registered trademarks of Pepper Group Assets (Australia) Pty Limited and are used under licence.

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