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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

The comparison rate is based on a 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.

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	4.99	5.17	4.99	0	-	-	-	0.00	$1,039	$0
	Pepper Essential Fixed (Alt Doc) (Interest Only) - Investment	5.49	5.67	5.49	0	8.99	9.19	-	0.00	$1,039	$0
	Pepper Essential (P & I) - Investment	5.54	5.72	5.54	0	-	-	-	0.00	$1,039	$0
	Pepper Essential (Interest Only) - Owner Occupied	5.29	5.47	5.29	0	-	-	-	0.00	$1,039	$0
	Pepper Essential (Alt Doc) (P & I) - Investment	5.19	5.37	5.19	0	-	-	-	0.00	$1,039	$0
	Pepper Essential Fixed (Interest Only) - Owner Occupied	5.29	5.47	5.29	0	8.79	8.99	-	0.00	$1,039	$0
	Pepper Essential Fixed (Interest Only) - Investment	5.84	6.02	5.84	0	9.34	9.54	-	0.00	$1,039	$0
	Pepper Essential (Alt Doc) (Interest Only) - Investment	5.49	5.67	5.49	0	-	-	-	0.00	$1,039	$0
	Pepper Essential (Interest Only) - Investment	5.84	6.02	5.84	0	-	-	-	0.00	$1,039	$0
	Pepper Essential (Alt Doc) (Interest Only) - Owner Occupied	4.94	5.12	4.94	0	-	-	-	0.00	$1,039	$0
	Pepper Essential Fixed (P & I) - Owner Occupied	4.99	5.17	4.99	0	8.49	8.69	8.89	0.00	$1,039	$0
	Pepper Essential Fixed (Alt Doc) (Interest Only) - Owner Occupied	4.94	5.12	4.94	0	8.44	8.64	-	0.00	$1,039	$0
	Pepper Essential Fixed (Alt Doc) (P & I) - Owner Occupied	4.64	4.83	4.64	0	8.14	8.34	8.54	0.00	$1,039	$0
	Pepper Essential Fixed (Alt Doc) (P & I) - Investment	5.19	5.37	5.19	0	8.69	8.89	9.09	0.00	$1,039	$0
	Pepper Essential (Alt Doc) (P & I) - Owner Occupied	4.64	4.83	4.64	0	-	-	-	0.00	$1,039	$0
	Pepper Essential Fixed (P & I) - Investment	5.54	5.72	5.54	0	9.04	9.24	9.44	0.00	$1,039	$0
	Pepper Clear (Interest Only) - Owner Occupied	7.59	7.85	7.59	0	-	-	-	0.00	$1,435	$0
	Pepper Clear Fixed (Alt Doc) (P & I) - Investment	6.74	7.00	6.74	0	10.24	10.44	10.64	0.00	$1,435	$0
	Pepper Advantage Fixed (P & I) - Investment	8.74	9.00	8.74	0	12.24	12.44	12.64	0.00	$1,435	$0
	Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied	8.09	8.35	8.09	0	11.59	11.79	11.99	0.00	$1,435	$0
	Pepper Advantage PLUS (P & I) - Owner Occupied	7.09	7.35	7.09	0	-	-	-	0.00	$1,435	$0
	Pepper Easy Fixed (Alt Doc) (P & I) - Investment	6.94	7.20	6.94	0	10.44	10.64	10.84	0.00	$1,435	$0
	Pepper Advantage PLUS Fixed (Alt Doc) (Interest Only) - Investment	8.74	9.00	8.74	0	12.24	12.44	-	0.00	$1,435	$0
	Pepper Advantage PLUS (Interest Only) - Owner Occupied	7.39	7.65	7.39	0	-	-	-	0.00	$1,435	$0
	Pepper Advantage Fixed (P & I) - Owner Occupied	8.39	8.65	8.39	0	11.89	12.09	12.29	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 Fixed (Alt Doc) (Interest Only) - Investment		0.00
	Pepper Essential (P & I) - Investment		0.00
	Pepper Essential (Interest Only) - Owner Occupied		0.00
	Pepper Essential (Alt Doc) (P & I) - Investment		0.00
	Pepper Essential Fixed (Interest Only) - Owner Occupied		0.00
	Pepper Essential Fixed (Interest Only) - Investment		0.00
	Pepper Essential (Alt Doc) (Interest Only) - Investment		0.00
	Pepper Essential (Interest Only) - Investment		0.00
	Pepper Essential (Alt Doc) (Interest Only) - Owner Occupied		0.00
	Pepper Essential Fixed (P & I) - Owner Occupied		0.00
	Pepper Essential Fixed (Alt Doc) (Interest Only) - Owner Occupied		0.00
	Pepper Essential Fixed (Alt Doc) (P & I) - Owner Occupied		0.00
	Pepper Essential Fixed (Alt Doc) (P & I) - Investment		0.00
	Pepper Essential (Alt Doc) (P & I) - Owner Occupied		0.00
	Pepper Essential Fixed (P & I) - Investment		0.00
	Pepper Clear (Interest Only) - Owner Occupied		0.00
	Pepper Clear Fixed (Alt Doc) (P & I) - Investment		0.00
	Pepper Advantage Fixed (P & I) - Investment		0.00
	Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied		0.00
	Pepper Advantage PLUS (P & I) - Owner Occupied		0.00
	Pepper Easy Fixed (Alt Doc) (P & I) - Investment		0.00
	Pepper Advantage PLUS Fixed (Alt Doc) (Interest Only) - Investment		0.00
	Pepper Advantage PLUS (Interest Only) - Owner Occupied		0.00
	Pepper Advantage Fixed (P & I) - Owner Occupied		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	500.00
	Pepper Essential Fixed (Alt Doc) (Interest Only) - Investment	1,039.00	0.00	10.00	500.00
	Pepper Essential (P & I) - Investment	1,039.00	0.00	10.00	500.00
	Pepper Essential (Interest Only) - Owner Occupied	1,039.00	0.00	10.00	500.00
	Pepper Essential (Alt Doc) (P & I) - Investment	1,039.00	0.00	10.00	500.00
	Pepper Essential Fixed (Interest Only) - Owner Occupied	1,039.00	0.00	10.00	500.00
	Pepper Essential Fixed (Interest Only) - Investment	1,039.00	0.00	10.00	500.00
	Pepper Essential (Alt Doc) (Interest Only) - Investment	1,039.00	0.00	10.00	500.00
	Pepper Essential (Interest Only) - Investment	1,039.00	0.00	10.00	500.00
	Pepper Essential (Alt Doc) (Interest Only) - Owner Occupied	1,039.00	0.00	10.00	500.00
	Pepper Essential Fixed (P & I) - Owner Occupied	1,039.00	0.00	10.00	500.00
	Pepper Essential Fixed (Alt Doc) (Interest Only) - Owner Occupied	1,039.00	0.00	10.00	500.00
	Pepper Essential Fixed (Alt Doc) (P & I) - Owner Occupied	1,039.00	0.00	10.00	500.00
	Pepper Essential Fixed (Alt Doc) (P & I) - Investment	1,039.00	0.00	10.00	500.00
	Pepper Essential (Alt Doc) (P & I) - Owner Occupied	1,039.00	0.00	10.00	500.00
	Pepper Essential Fixed (P & I) - Investment	1,039.00	0.00	10.00	500.00
	Pepper Clear (Interest Only) - Owner Occupied	1,435.00	0.00	15.00	500.00
	Pepper Clear Fixed (Alt Doc) (P & I) - Investment	1,435.00	0.00	15.00	500.00
	Pepper Advantage Fixed (P & I) - Investment	1,435.00	0.00	15.00	500.00
	Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied	1,435.00	0.00	15.00	500.00
	Pepper Advantage PLUS (P & I) - Owner Occupied	1,435.00	0.00	15.00	500.00
	Pepper Easy Fixed (Alt Doc) (P & I) - Investment	1,435.00	0.00	15.00	500.00
	Pepper Advantage PLUS Fixed (Alt Doc) (Interest Only) - Investment	1,435.00	0.00	15.00	500.00
	Pepper Advantage PLUS (Interest Only) - Owner Occupied	1,435.00	0.00	15.00	500.00
	Pepper Advantage Fixed (P & I) - Owner Occupied	1,435.00	0.00	15.00	500.00
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 Fixed (Alt Doc) (Interest Only) - Investment	100000	30	55
	Pepper Essential (P & I) - Investment	100000	30	85
	Pepper Essential (Interest Only) - Owner Occupied	100000	30	90
	Pepper Essential (Alt Doc) (P & I) - Investment	100000	30	75
	Pepper Essential Fixed (Interest Only) - Owner Occupied	100000	30	80
	Pepper Essential Fixed (Interest Only) - Investment	100000	30	95
	Pepper Essential (Alt Doc) (Interest Only) - Investment	100000	30	65
	Pepper Essential (Interest Only) - Investment	100000	30	65
	Pepper Essential (Alt Doc) (Interest Only) - Owner Occupied	100000	30	65
	Pepper Essential Fixed (P & I) - Owner Occupied	100000	30	95
	Pepper Essential Fixed (Alt Doc) (Interest Only) - Owner Occupied	100000	30	65
	Pepper Essential Fixed (Alt Doc) (P & I) - Owner Occupied	100000	30	55
	Pepper Essential Fixed (Alt Doc) (P & I) - Investment	100000	30	55
	Pepper Essential (Alt Doc) (P & I) - Owner Occupied	100000	30	80
	Pepper Essential Fixed (P & I) - Investment	100000	30	95
	Pepper Clear (Interest Only) - Owner Occupied	50000	40	65
	Pepper Clear Fixed (Alt Doc) (P & I) - Investment	50000	40	65
	Pepper Advantage Fixed (P & I) - Investment	50000	40	55
	Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied	50000	40	55
	Pepper Advantage PLUS (P & I) - Owner Occupied	50000	40	55
	Pepper Easy Fixed (Alt Doc) (P & I) - Investment	50000	40	65
	Pepper Advantage PLUS Fixed (Alt Doc) (Interest Only) - Investment	50000	40	55
	Pepper Advantage PLUS (Interest Only) - Owner Occupied	50000	30	55
	Pepper Advantage Fixed (P & I) - Owner Occupied	50000	40	70
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 Fixed (Alt Doc) (Interest Only) - Investment	$0.00	$0.00
	Pepper Essential (P & I) - Investment	$0.00	$0.00
	Pepper Essential (Interest Only) - Owner Occupied	$0.00	$0.00
	Pepper Essential (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Pepper Essential Fixed (Interest Only) - Owner Occupied	$0.00	$0.00
	Pepper Essential Fixed (Interest Only) - Investment	$0.00	$0.00
	Pepper Essential (Alt Doc) (Interest Only) - Investment	$0.00	$0.00
	Pepper Essential (Interest Only) - Investment	$0.00	$0.00
	Pepper Essential (Alt Doc) (Interest Only) - Owner Occupied	$0.00	$0.00
	Pepper Essential Fixed (P & I) - Owner Occupied	$0.00	$0.00
	Pepper Essential Fixed (Alt Doc) (Interest Only) - Owner Occupied	$0.00	$0.00
	Pepper Essential Fixed (Alt Doc) (P & I) - Owner Occupied	$0.00	$0.00
	Pepper Essential Fixed (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Pepper Essential (Alt Doc) (P & I) - Owner Occupied	$0.00	$0.00
	Pepper Essential Fixed (P & I) - Investment	$0.00	$0.00
	Pepper Clear (Interest Only) - Owner Occupied	$0.00	$0.00
	Pepper Clear Fixed (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Pepper Advantage Fixed (P & I) - Investment	$0.00	$0.00
	Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied	$0.00	$0.00
	Pepper Advantage PLUS (P & I) - Owner Occupied	$0.00	$0.00
	Pepper Easy Fixed (Alt Doc) (P & I) - Investment	$0.00	$0.00
	Pepper Advantage PLUS Fixed (Alt Doc) (Interest Only) - Investment	$0.00	$0.00
	Pepper Advantage PLUS (Interest Only) - Owner Occupied	$0.00	$0.00
	Pepper Advantage Fixed (P & I) - Owner Occupied	$0.00	$0.00
Lender	Product Name	Current Customers Refund	First Time Customers Refund

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