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Total Cost (Number of Years) Total Cost includes interest over the loan term eg, 5 years, plus all monthly fees, annual fees, application fees and discharge fees. Specifically it does not include any break fees and government fees. If the loan is for construction purpose, the application fee includes construction fees.

Total Cost includes interest over the loan term eg, 5 years, plus all monthly fees, annual fees, application fees and discharge fees. Specifically it does not include any break fees and government fees. If the loan is for construction purpose, the application fee includes construction fees.

Popular Home Loans

Lender	Product Name	VARIABLE	Comparison Rate	INTRO		FIXED RATES			Initial Monthly Payment	Total Cost At 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 15 years 20 years 25 years 30 years	Refund Up To
Lender	Product Name	VARIABLE	Comparison Rate	Intro Rate	Term (months)	2 Yr	3 Yr	5 Yr	Initial Monthly Payment		Refund Up To
	Pepper Essential (P & I) - Owner Occupied	4.59	4.78	4.59	0	-	-	-	0.00	$1,039	$0
	Pepper Essential PLUS (Interest Only) - Owner Occupied/Investment	5.45	5.63	5.45	0	-	-	-	0.00	$1,039	$0
	Pepper Essential PLUS (Alt Doc) (P & I) - Investment	4.19	4.38	4.19	0	-	-	-	0.00	$1,039	$0
	Pepper Essential PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	4.19	4.38	4.19	0	-	-	-	0.00	$1,039	$0
	Pepper Essential PLUS (P & I) - Investment	5.45	5.63	5.45	0	-	-	-	0.00	$1,039	$0
	Pepper Essential (Alt Doc) (P & I) - Owner Occupied	3.89	4.08	3.89	0	-	-	-	0.00	$1,039	$0
	Pepper Easy PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	6.19	6.46	6.19	0	-	-	-	0.00	$1,435	$0
	Pepper Advantage PLUS (P & I) - Owner Occupied/Investment	6.39	6.65	6.39	0	-	-	-	0.00	$1,435	$0
	Pepper Advantage PLUS (Interest Only) - Owner Occupied/Investment	6.39	6.65	6.39	0	-	-	-	0.00	$1,435	$0
	Pepper Easy PLUS (Interest Only) - Owner Occupied/Investment	6.99	7.25	6.99	0	-	-	-	0.00	$1,435	$0
	Pepper Easy PLUS (P & I) - Investment	6.99	7.25	6.99	0	-	-	-	0.00	$1,435	$0
	Pepper Advantage (Interest Only) - Owner Occupied/Investment	7.49	7.75	7.49	0	-	-	-	0.00	$1,435	$0
	Pepper Advantage (Alt Doc) (P & I) - Owner Occupied/Investment	6.89	7.15	6.89	0	-	-	-	0.00	$1,435	$0
	Pepper Easy (P & I) - Owner Occupied	7.15	7.41	7.15	0	-	-	-	0.00	$1,435	$0
	Pepper Advantage PLUS (Alt Doc) (P & I) - Owner Occupied/Investment	7.19	7.45	7.19	0	-	-	-	0.00	$1,435	$0
	Pepper Advantage (Alt Doc) (Interest Only) - Owner Occupied/Investment	6.89	7.15	6.89	0	-	-	-	0.00	$1,435	$0
	Pepper Easy (Alt Doc) (P & I) Owner Occupied	5.69	5.96	5.69	0	-	-	-	0.00	$1,435	$0
	Pepper Advantage (P & I) - Owner Occupied/Investment	7.49	7.75	7.49	0	-	-	-	0.00	$1,435	$0
	Pepper Easy PLUS (Alt Doc) (P & I) - Investment	6.19	6.46	6.19	0	-	-	-	0.00	$1,435	$0
	Pepper Advantage PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	7.19	7.45	7.19	0	-	-	-	0.00	$1,435	$0
Lender	Product Name	VARIABLE	Comparison Rate	INTRO		FIXED RATES			Initial Monthly Payment	Total Cost	Refund Up To
Lender	Product Name	VARIABLE	Comparison Rate	Intro Rate	Term (months)	2 Yr	3 Yr	5 Yr	Initial Monthly Payment	Total Cost	Refund Up To

Lender	Product Name	Redraw	Redraw Fee	100% Offset
	Pepper Essential (P & I) - Owner Occupied		0.00
	Pepper Essential PLUS (Interest Only) - Owner Occupied/Investment		0.00
	Pepper Essential PLUS (Alt Doc) (P & I) - Investment		0.00
	Pepper Essential PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment		0.00
	Pepper Essential PLUS (P & I) - Investment		0.00
	Pepper Essential (Alt Doc) (P & I) - Owner Occupied		0.00
	Pepper Easy PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment		0.00
	Pepper Advantage PLUS (P & I) - Owner Occupied/Investment		0.00
	Pepper Advantage PLUS (Interest Only) - Owner Occupied/Investment		0.00
	Pepper Easy PLUS (Interest Only) - Owner Occupied/Investment		0.00
	Pepper Easy PLUS (P & I) - Investment		0.00
	Pepper Advantage (Interest Only) - Owner Occupied/Investment		0.00
	Pepper Advantage (Alt Doc) (P & I) - Owner Occupied/Investment		0.00
	Pepper Easy (P & I) - Owner Occupied		0.00
	Pepper Advantage PLUS (Alt Doc) (P & I) - Owner Occupied/Investment		0.00
	Pepper Advantage (Alt Doc) (Interest Only) - Owner Occupied/Investment		0.00
	Pepper Easy (Alt Doc) (P & I) Owner Occupied		0.00
	Pepper Advantage (P & I) - Owner Occupied/Investment		0.00
	Pepper Easy PLUS (Alt Doc) (P & I) - Investment		0.00
	Pepper Advantage PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment		0.00
Lender	Product Name	Redraw	Redraw Fee	100% Offset

Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee
	Pepper Essential (P & I) - Owner Occupied	1,039.00	0.00	10.00	250.00
	Pepper Essential PLUS (Interest Only) - Owner Occupied/Investment	1,039.00	0.00	10.00	250.00
	Pepper Essential PLUS (Alt Doc) (P & I) - Investment	1,039.00	0.00	10.00	250.00
	Pepper Essential PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	1,039.00	0.00	10.00	250.00
	Pepper Essential PLUS (P & I) - Investment	1,039.00	0.00	10.00	250.00
	Pepper Essential (Alt Doc) (P & I) - Owner Occupied	1,039.00	0.00	10.00	250.00
	Pepper Easy PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	1,435.00	0.00	15.00	250.00
	Pepper Advantage PLUS (P & I) - Owner Occupied/Investment	1,435.00	0.00	15.00	250.00
	Pepper Advantage PLUS (Interest Only) - Owner Occupied/Investment	1,435.00	0.00	15.00	250.00
	Pepper Easy PLUS (Interest Only) - Owner Occupied/Investment	1,435.00	0.00	15.00	250.00
	Pepper Easy PLUS (P & I) - Investment	1,435.00	0.00	15.00	250.00
	Pepper Advantage (Interest Only) - Owner Occupied/Investment	1,435.00	0.00	15.00	250.00
	Pepper Advantage (Alt Doc) (P & I) - Owner Occupied/Investment	1,435.00	0.00	15.00	250.00
	Pepper Easy (P & I) - Owner Occupied	1,435.00	0.00	15.00	250.00
	Pepper Advantage PLUS (Alt Doc) (P & I) - Owner Occupied/Investment	1,435.00	0.00	15.00	250.00
	Pepper Advantage (Alt Doc) (Interest Only) - Owner Occupied/Investment	1,435.00	0.00	15.00	250.00
	Pepper Easy (Alt Doc) (P & I) Owner Occupied	1,435.00	0.00	15.00	250.00
	Pepper Advantage (P & I) - Owner Occupied/Investment	1,435.00	0.00	15.00	250.00
	Pepper Easy PLUS (Alt Doc) (P & I) - Investment	1,435.00	0.00	15.00	250.00
	Pepper Advantage PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	1,435.00	0.00	15.00	250.00
Lender	Product Name	Upfront Fee	Annual Fee	Monthly Fee	Discharge Fee

Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner
	Pepper Essential (P & I) - Owner Occupied	100000	30	85
	Pepper Essential PLUS (Interest Only) - Owner Occupied/Investment	100000	30	95
	Pepper Essential PLUS (Alt Doc) (P & I) - Investment	100000	30	65
	Pepper Essential PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	100000	30	75
	Pepper Essential PLUS (P & I) - Investment	100000	30	95
	Pepper Essential (Alt Doc) (P & I) - Owner Occupied	100000	30	80
	Pepper Easy PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	50000	30	55
	Pepper Advantage PLUS (P & I) - Owner Occupied/Investment	50000	40	55
	Pepper Advantage PLUS (Interest Only) - Owner Occupied/Investment	50000	40	55
	Pepper Easy PLUS (Interest Only) - Owner Occupied/Investment	50000	30	55
	Pepper Easy PLUS (P & I) - Investment	50000	40	75
	Pepper Advantage (Interest Only) - Owner Occupied/Investment	50000	40	70
	Pepper Advantage (Alt Doc) (P & I) - Owner Occupied/Investment	50000	40	85
	Pepper Easy (P & I) - Owner Occupied	50000	40	75
	Pepper Advantage PLUS (Alt Doc) (P & I) - Owner Occupied/Investment	50000	40	75
	Pepper Advantage (Alt Doc) (Interest Only) - Owner Occupied/Investment	50000	40	70
	Pepper Easy (Alt Doc) (P & I) Owner Occupied	50000	40	80
	Pepper Advantage (P & I) - Owner Occupied/Investment	50000	40	85
	Pepper Easy PLUS (Alt Doc) (P & I) - Investment	50000	40	65
	Pepper Advantage PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	50000	40	55
Lender	Product Name	Minimum Loan Amount	Maximum Loan Term	Max LVR Owner

Lender	Product Name	Current Customers Refund	First Time Customers Refund
	Pepper Essential (P & I) - Owner Occupied	$0.00	$0.00
	Pepper Essential PLUS (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Essential PLUS (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Pepper Essential PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Essential PLUS (P & I) - Investment	$0.00	$0.00
	Pepper Essential (Alt Doc) (P & I) - Owner Occupied	$0.00	$0.00
	Pepper Easy PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Advantage PLUS (P & I) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Advantage PLUS (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Easy PLUS (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Easy PLUS (P & I) - Investment	$0.00	$0.00
	Pepper Advantage (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Advantage (Alt Doc) (P & I) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Easy (P & I) - Owner Occupied	$0.00	$0.00
	Pepper Advantage PLUS (Alt Doc) (P & I) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Advantage (Alt Doc) (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Easy (Alt Doc) (P & I) Owner Occupied	$0.00	$0.00
	Pepper Advantage (P & I) - Owner Occupied/Investment	$0.00	$0.00
	Pepper Easy PLUS (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Pepper Advantage PLUS (Alt Doc) (Interest Only) - Owner Occupied/Investment	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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