Contact us

Is there someone acting on your behalf?  *
thirdpartynote 
Accounts you require help with  *
What is your preferred method of contact? 

We can discuss whether you want to repay weekly, fortnightly or monthly.

If your next loan repayment is due within the next 5 working days and you are unable to pay it, please call us on 1800 185 914.

Some information you need to know before you submit this form:

  • We will not automatically suspend your payments as a result of you submitting this form.
  • We will call you first to understand more about your current situation, and your ability to make repayments on your loan.
  • We will discuss all the options for help available to you. Please be aware that some options, like pausing payments, can mean you end up paying more interest over the life of your loan.

Is there anything else you need to read and comply with?

When is there a binding legal agreement between you and us?

Joint borrowers

Switching

Effect of having more than one account

Interest charges

What you must pay and when

What you must pay

Repayments

When and how you pay

Interest only periods

Early repayment

What are break costs?

Fees and charges and enforcement expenses

Other amounts to be paid

About enforcement expenses

Representations and warranties 

Redraw

About offset sub-accounts

Construction

Your obligations in relation to construction

Default

Default rate

Consequences of a breach of any term

Monetary events of default

Non-monetary events of default

Notification of an event of default

What we can do when an event of default occurs

Set‑off

 

 

 

 

 

General Matters

Account statements

National Credit Code

Establishing your loan account and accounting for transactions

Consents

Judgment interest

What is lenders mortgage insurance

Valuations

How we may exercise our rights

Government charges

Blanks

Assignment

Insurance

Notices, other communications and service of documents and verbal confirmations and taping of conversations

Changes we can make to your loan agreement

Additional repayment triggers

Breaches of laws

Applicable law

If you are a trustee

If we are a trustee

Disclosures to guarantors

Providing financial statements

If your account has a credit balance

Severability

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Meaning of words

Definitions

Interpretation

INFORMATION STATEMENT

The contract

Insurance

Mortgages

General

 

 

 

    

As with most lenders, our interest rates vary depending on you loan-to-value ratio, or LVR. Essentially, this is the size of your loan in relation to the property's value. Find out more about LVR. Interest rate ranges are based off Principal and Interest repayments.
Owner-Occupier

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Investor

Variable rate: % - % p.a.

Comparison rate^% - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a..

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Variable rate: % - % p.a.

Comparison rate^: % - % p.a.

Fund your ambition with an award-winning personal loan

Personal loans give you the flexibility you need to fund your ambitions. With loans available from $5,000 to $50,000, a Pepper Money Personal Loan can be used for almost anything; treat yourself to a holiday, fund a hobby or invest in improving your home. Apply online today to get a rate based on your circumstances.

 

Friends talk about Pepper Money personal loan

Fund your ambition with a personal loan

Personal loans give you the flexibility you need to fund your ambitions. With loans available from $5,000 to $50,000, a Pepper Money Personal Loan can be used for almost anything; treat yourself to a holiday, fund a hobby or invest in improving your home. Apply online today to get a rate based on your circumstances.

 

Friends talk about Pepper Money personal loan

 

Employee engagement & Inclusion % - %

Pepper Money committed to employee engagement & inclusion

Our people are our biggest asset, and our culture of inclusion and diversity is something we’re incredibly proud of. Developing our people and respecting their individuality brings with it increased satisfaction, engagement, and allows us to achieve a high-performance culture.

Learn more about our Diversity Policy and access our latest WGEA report.

Secured Personal Loan
Interest rates
Secured fixed interest rates and comparison rates from % - % p.a.*#
Application process
10 minutes online, or call us on 1300 108 794
Loan term
18 - 84 months^
Loan amount
$15,000 - $50,000
Funds availability
Next business day following approval (subject to your bank's direct credit processing times)
Repayment type & frequency
Pay by Direct Debit in weekly or fortnightly installments
Fees and charges

We don't charge any fees

  • Loan establishment fee | $0
  • Account administration fee | $0
  • Early repayment fee~ | $0
  • Security registration fee | $0
Unsecured Personal Loan
Interest rate
Unsecured fixed interest rates and comparison rates from % - % p.a.*#
Application process
10 minutes online, or call us on 1300 108 794
Loan term
18 - 84 months^
Loan amount
$5,000 - $50,000
Funds availability
Next business day following approval (subject to your bank's direct credit processing times)
Repayment type & frequency
Pay by Direct Debit in weekly or fortnightly installments
Fees and charges

We don't charge any fees

  • Loan establishment fee | $0
  • Account administration fee | $0
  • Early repayment fee~ | $0

Helping our real life customers succeed

 

% p.a.

% p.a.

Ready to take the next step?

Get started with our no fee~ personal loan and find out your personalised rate today.

  Won’t impact your credit score      Get your rate in 2 minutes

Ready to take the next step?

Get started with our no fee~ personal loan and find out your personalised rate today.

  Won’t impact your credit score      Get your rate in 2 minutes

Ready to take the next step?

Get started with our no fee~ personal loan and find out your personalised rate today.

  Won’t impact your credit score      Get your rate in 2 minutes

Ready to take the next step?

Get started with our no fee~ personal loan and find out your personalised rate today.

  Won’t impact your credit score      Get your rate in 2 minutes

Ready to take the next step?

Get started with our no fee~ personal loan and find out your personalised rate today.

  Won’t impact your credit score      Get your rate in 2 minutes

Ready to take the next step?

Get started with our no fee~ personal loan and find out your personalised rate today.

  Won’t impact your credit score      Get your rate in 2 minutes

Choose a home loan interest rate option that works for you

Variable Rates

Variable interest rate home loans start from

% p.a.  variable rate*

% p.a. comparison rate^

Go with the flow with our variable rate option. Maximise your cashflow with our 100% interest offset sub-account, complete with debit card access.

  • VISA debit card+
  • 100% interest offset sub-account
  • Free online redraw

Fixed Rates

2 year fixed interest rate home loans start from

% p.a.  2 year fixed rate*

% p.a. comparison rate^

Manage your money with our fixed rate loan option – choose a fixed-rate term that suits you. Plus, benefit from no break costs!

  • 2, 3, 5, 7 and 10-year loan terms
  • No break costs or early repayment fees
  • Unlimited extra repayments

The important legal bits

Information and interest rates are correct as of and subject to change at any time. 

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 licenced financial or tax adviser.

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

*Our interest rates:

       Pepper Money variable interest rates range from %p.a. - % p.a. (Comparison rates range from %p.a. - %p.a.^)

        View all variable rates »

       Pepper Money 2 year fixed interest rates range from %p.a. - %p.a (Comparison rates range from %p.a. - %p.a.^). 

       View all fixed rates »

      The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.

^Comparison rate is calculated on a secured loan of $150,000 for 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.

˅An indicative interest rate and estimated repayments are not a formal approval for a loan, so don’t enter any financial commitments based on it. They are a guide only, based on the basic information you provide and the credit score we obtain for the primary application and is not a suggestion or recommendation of any loan product.

+Visa Debit card is issued by Indue Limited ABN 97 087 822 464 and distributed by Pepper Finance Corporation Limited ACN 094 317 647 and/or through Pepper Money accredited mortgage brokers. Refer to the Conditions of Use and Target Market Determination (TMD).

   

Our variable home loan interest rates

Variable rate home loan
Home loan variable interest rates starting from
%
p.a.
For up to 55% LVR*
%
p.a.
Comparison rate^

For new owner occupier variable rate home loans, making principal and interest repayments.
Up to 55% LVR. View our full interest rate range.

The important legal bits

Information and interest rates are correct as of  and subject to change at any time. 

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 licenced financial or tax adviser.

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

* Pepper Money variable interest rates range from %p.a. - % p.a. (Comparison rates range from %p.a. - %p.a.^) View all variable rates ». The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.

^ Comparison rate is calculated on a secured loan of $150,000 for 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.

Visa Debit card is issued by Indue Limited ABN 97 087 822 464 and distributed by Pepper Finance Corporation Limited ACN 094 317 647 and/or through Pepper Money accredited mortgage brokers. Refer to the Conditions of Use and Target Market Determination (TMD).

   

Our fixed rate home loan interest rates

Fixed rate home loan
2 year fixed rate home loans starting from
6.84
%
p.a.
For up to 55% LVR*
7.02
%
p.a.
Comparison rate ^

For new owner occupier fixed rate home loans, making principal and interest repayments. Up to 55% LVR. View our full interest rate range.

Benefit from fixed repayments during your chosen loan term. What's more, there aren't any break costs if you change your mind and revert to a variable rate. Our rate ranges are based off Principal and Interest repayments.
Owner-Occupier

Fixed rate*2: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate*2: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate*2: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a

Investor

Fixed rate*2: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate*2: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate*2: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

The important legal bits

Information and interest rates are correct as of and subject to change at any time. 

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 licenced financial or tax adviser.

All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Offers may be continued, withdrawn or changed at any time without notice.

#There is a non-refundable, minimum fee of $750 per home loan application payable at settlement to lock in a fixed interest rate for 90 days. For home loan balances greater than $500,000, the rate lock fee is 0.15% of the fixed interest rate loan balance at settlement. For example, for a fixed rate loan amount of $600,000 the rate lock fee will be $600,000 x 0.15% = $900. The lesser of the fixed interest rate at settlement or the applicable locked in fixed interest rate will be applied at settlement. The rate lock fee will be charged at settlement even if interest rates decrease after the rate lock request has been approved.

* Pepper Money 2 year fixed interest rates range from %p.a.- %p.a (Comparison rates range from %p.a. - %p.a.^). View all fixed rates » . The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.

^ Comparison rate is calculated on a secured loan of $150,000 for 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.

Visa Debit card is issued by Indue Limited ABN 97 087 822 464 and distributed by Pepper Finance Corporation Limited ACN 094 317 647 and/or through Pepper Money accredited mortgage brokers. Refer to the Conditions of Use and Target Market Determination (TMD).

Benefit from fixed repayments during your chosen loan term. What's more, there aren't any break costs if you change your mind and revert to a variable rate. Our rate ranges are based off Principal and Interest repayments.
Owner-Occupier

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a

Investor

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Fixed rate: % p.a. - % p.a.

Comparison rate^: % p.a. - % p.a.

Pepper Money Asset Finance Introducers

Asset Finance Introducers

  • Offer our asset financing to your customers. our asset financing to your customers. our asset financing to your customers. 
  • Offer our asset financing to your customers. 
Pepepr Money Mortgage Brokers

Mortgage Brokers

We're dedicated to helping your customers succeed with our home loan options.
Pepper Money Third Party Servicing

Third Party Servicing

We'll run the back-end so you can focus growing your business and brand.
Pepper Money Sponsorships

Sponsorships

We partner with local sporting and community organisations. See how we can help today. 
Interest rates

Floating interest rates from % p.a. to % p.a.

2-year fixed interest rates from % p.a. to % p.a.

3-year fixed interest rates from % p.a. to % p.a.

The actual interest rate will depend on the borrower's circumstances and the information verified during the assessment of a loan application.

Loan purpose
Purchase or refinance an owner-occupied or investment property. Debt consolidation available when refinancing.
Maximum LVR
Borrow up to 85%* of the property value.
Loan amounts
From $100,000 up to $2,500,000 subject to product, region, eligibility criteria and lending limits.
Loan terms
10 - 30 years - subject to eligibility criteria.
Interest rate options
Choose a floating rate or a 2 or 3-year fixed rate period.
Repayment options
  • Principal and Interest, or
  • Interest only (up to 5 years - followed by Principal and Interest payments for the remainder of the loan term).

For owner-occupied loans, interest only is limited to 50% of  your total loan amount.

Repayment frequency
  • Weekly, fortnightly or monthly for Principal and Interest loans
  • Monthly for interest-only loans

 

Extra repayments
Unlimited extra payments are permitted, free of charge for floating interest rates. For fixed rate loans, extra payments are free of charge up to $10,000 p.a.
See fees and charges for more information.
Redraw

Minimum online redraw is $50, and minimum manual redraw is $1,000. 

You'll need at least 1 floating loan split to transact via redraw.

Redraw is not available during any fixed interest rate loan term. 

Loan splits
Up to 4 splits are available.
Fees and Charges

Establishment fee: $749 inclusive of  legal and settlement fees.

Discharge admin fee: $500

Monthly admin fee: From $10-$15 per loan split, depending on product.

Break costs: Break costs are payable on early repayment of more than $10K p.a. on a fixed rate loan, or switching to a different interest rate during the fixed rate period.

View all fees and charges »

 

  • Dan, fresh out of a divorce, faced the challenge of caring for his two young boys while searching for a new home.
  • Despite his twenty-year loyalty to the bank, he encountered setbacks due to his financial situation.
  • Pepper Money stepped in, offering understanding and a range of options, ultimately helping Dan get back on track and buy a new home.

Apply for help now

Is there someone acting on your behalf?  *
test 

If you choose Yes and we do not already have a Third Party Authorisation form, we will need to contact you first and confirm with you before we can discuss your personal information with your nominated person.

If you choose Yes and we do not already have a Third Party Authorisation form, we will need to contact you first and confirm with you before we can discuss your personal information with your nominated person.

Accounts you require help with  *

We can discuss whether you want to repay weekly, fortnightly or monthly.

If your next loan repayment is due within the next 5 working days and you are unable to pay it, please call us on 1800 185 914.

Some information you need to know before you submit this form:

  • We will not automatically suspend your payments as a result of you submitting this form.
  • We will call you first to understand more about your current situation, and your ability to make repayments on your loan.
  • We will discuss all the options for help available to you. Please be aware that some options, like pausing payments, can mean you end up paying more interest over the life of your loan.
Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.