Variable Interest Rate Home Loan Option

Brokers helps family get a fixed interest rate home loan

Our variable rate home loan options give your clients the flexibility to manage their money how they want. They’ll get access to our online loan portal, the freedom to make additional repayments and more.

red hot rates package

Red Hot Rates Package 

Until 15 August 2024, get access to reduced rates for select LVRs and loan options1. 
Plus, 2% servicing buffer and comprehensive policy options. 


Key features of our variable rate home loan option

Certainty of repayments

Offset sub-account 

Clients can offset their interest with 100% offset sub-account (fees apply). 
No break fees

Free online redraw 

Clients can get easy access to their additional funds when they need them, thanks to our free online redraw. If you redraw over the phone, a fee will apply.
Flexible fixed interest rate terms

Split loans 

Up to 3 splits available (including 100% interest offset sub-account split).
Split loan option

No credit scoring1

We take the time to understand your client's situation and where they are going.
Unlimited extra repayments

Visa debit card

Clients can access funds from their offset sub-account with a visa debit card2.
Rate lock

Online loan management 

Your clients can manager their loan through our online customer portal – mypeppermoney.


Bank said no? Give it the non-bank test

Not sure if you can help your client? We'll help you work it out. Find a home loan option by either contacting a BDM, submitting a scenario, or try our online Product Selector tool for an indicative offer in under 5 minutes.

Best yet, it's free and won't impact their credit score.

Interest rates are correct as of 8 April and are subject to change at any time.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees, and charges apply. Refer to the rate card for our full range of interest rates and fees.

1Variable interest rate promotion (Promotion) applies to select LVRs for new Near Prime Clear and Near Prime home loan applications. Applications must be submitted between 12:00 am AEST 8 April 2024 and 11:59 pm AEST 15 August 2024.

2Visa 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).

3Credit scoring used on Pepper Product Selector.

4Before using Pepper Product Selector, you must have received your customer’s written consent to act on their behalf as an Access Seeker.

An indicative offer isn’t formal approval for a loan, and financial commitments mustn’t be entered into based on it. It’s not a suggestion or recommendation of any particular loan product. It’s a guide only based on the limited information provided and the credit score obtained. The actual interest rate and fees will depend on the borrower’s circumstances and the information verified during the loan application assessment. 

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