Don’t miss out on our Red Hot Rates Package!

Get your applications in by 27 June 2024.

We all know that there are people doing it tough – many are mortgage stressed. Whether they’re struggling financially or looking to make their dream real, they need help.

Having options can be such a relief. That’s why we’ve developed a red hot rates package – so you can help those clients get ahead.

Interest Rates

Select variable rates reduced1. No loadings for fixed rates for 2, 3 & 5 years2. 

Buffer Rates

2% Serviceability buffer. Additional options for select scenarios. T&Cs apply.

Turnaround Rates

Get a same day response for deals submitted by 11 AM AEDT/ AEST.

Got a deal on your desk? Give it the non-bank test!


Our Red Hot interest rates:

Until 27 June 2024:

Variable rates 

Access Red Hot savings between 10 to 75bps for select LVR bands and loan options1. Promotion applies to:

  • Near Prime Clear Full Doc option: >80 – 95% LVR
  • Near Prime Clear Alt Doc option: >80% - 90% LVR
  • Near Prime Full Doc option: >75 -80% LVR
  • Near Prime Alt Doc option: >70% -85% LVR

Fixed rates

Give your clients certainty at a Red Hot rate. Lock in today’s variable rate for 2, 3 and 5 years, across Prime to Specialist loan options with no additional loading2. Plus, with no break fees, it’s a no brainer. 

To lock in these interest rates for 90 days from Final Approval, submit the Fixed Interest Rate Lock Authority Request form (fees apply3).


Help more clients with our comprehensive range of policy options

  • A broad range of acceptable income 
  • Up to 40-year loan terms
  • Up to 5 years interest-only
  • Late repayments and mortgage arrears.
  • Defaults, Part 9 & 10 agreements and discharged bankruptcy
  • No limit to debt consolidation or cash out (subject to LVR and lending limits)



Talk to us about workshopping any client’s situation, anytime

Rates and Fees

Residential Rates & Fees

View our red hot residential home loan rates, options and fees.
Servicing Calculator

Servicing Calculator

Calculate your client's serviceability estimate prior to application.


Submit your home loan scenarios and get a quick review from us.

Information is correct as of 8 April 2024 and subject to change at any time.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Promotions are subject to change and may be varied or withdrawn at any time. Applications lodged after the Promotion period will be offered the current interest rates then applicable.

1Variable interest rate promotion (Promotion) applies to select LVRs for new Near Prime Clear and Near Prime home loan applications. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00 am AEST 8 April 2024 and 11:59 pm AEST 27 June 2024.

2Pepper Money’s fixed interest rate promotion is only available for new home loan applications not previously submitted. Applications must be submitted between 12:00 am AEST 8 April 2024 until 11:59 pm AEST 27 June 2024. To lock in the interest rate at Final Approval, a fixed rate authority lock form must be submitted (fees apply3). 

3There is a non-refundable, minimum fee of $750 per home loan application 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.

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian credit licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.

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