One cost they can do without
Here are some changes you need to know, effective 13 November 2026.
Think higher LVR means fees?
Not so fast.
Eligible Prime Full Doc clients can pay no LPF up to 90% LVR on select home loans1.
And the offer is sticking around until 11 February 2027.
Refi roadblock? Let’s take another route.
Prime Super Easy SMSF Refi loan offers eligible clients serviceability assessment based on the last 6 months' repayment history2.
Plus, there's no application fee for residential securities until 11 February 20273.
Important Information
Information is correct as of 21 August 2026 and is subject to change.
This content is for accredited Pepper Money brokers, including those applying for accreditation. It shouldn't be distributed to or relied upon by consumers.
Information provided is factual only and isn’t intended to imply any recommendation about any financial product(s) and or constitute tax advice. It’s recommended that clients obtain independent legal, financial and tax advice.
SMSF lending is available for corporate trustees only where the SMSF is ATO compliant. Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
1 Promotion applies to new Prime Home Loan (Full Doc) residential purchase applications in Cat 1 & 2 locations up to 80% LVR for loan amounts up to $2.5M, and 80%-90% LVR for loan amounts up to $1.5M. If the property type is a unit, then it must be ≥ 40SQM. Applications must be submitted and conditionally approved between 12:00am AEST 1 April 2025 and 11:59pm AEDT 11 February 2027 (Promotion Period).
2 Super Easy SMSF refinance applications require the following: corporate trustee applicants; the same loan amount (plus loan set-up fees); a proposed repayment that is lower than the current SMSF loan repayments; demonstrated satisfactory repayment conduct (shown through 6 months of SMSF loan bank statements); and confirmation that the SMSF is currently compliant with the ATO.
3 Application Fee promotion applies to eligible new Prime Super Easy SMSF Refi applications, with a residential security. Applications must be submitted and conditionally approved between 12:00am AEST 15 April 2025 and 11:59pm AEDT 11 February 2027.
Applications lodged after the Promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time. Refer to the rate card for our full range of interest rates and fees.
© 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.
