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Lender Product Name VARIABLE Comparison Rate INTRO FIXED RATES Initial Monthly Payment Total Cost At
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Refund Up To
Intro Rate Term (months) 2 Yr 3 Yr 5 Yr
Pepper Clear Fixed (P & I) - Owner Occupied(Fixed 7 yrs) 6.99 8.49 8.94 84 8.49 8.74 9.39 3,201.24 $299,478 $1,069
Classic Fixed SMSF (NDIS) (Interest Only) - Investment(Fixed 7 yrs) 7.34 8.74 8.94 84 8.94 8.94 - 3,201.24 $299,798 $1,069
Classic Fixed SMSF (Interest Only) - Investment(Fixed 7 yrs) 7.34 8.76 8.94 84 8.94 8.94 - 3,201.24 $300,042 $1,069
Pepper Easy Fixed (Alt Doc) (P & I) Owner Occupied(Fixed 7 yrs) 7.59 8.85 9.14 84 8.69 8.94 9.59 3,258.87 $302,741 $1,069
Pepper Clear Fixed (P & I) - Investment(Fixed 7 yrs) 7.34 8.85 9.29 84 8.84 9.09 9.74 3,302.30 $305,194 $1,069
Pepper Easy Fixed (P & I) - Owner Occupied(Fixed 7 yrs) 7.39 8.96 9.44 84 8.99 9.24 9.89 3,345.92 $307,653 $1,069
Pepper Easy Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 7.94 9.21 9.49 84 9.04 9.29 9.94 3,360.50 $308,473 $1,069
Pepper Easy Fixed (P & I) - Investment(Fixed 7 yrs) 7.74 9.33 9.79 84 9.34 9.59 10.24 3,448.37 $313,409 $1,069
Pepper Clear Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs) 7.44 9.44 10.14 84 9.69 9.94 10.59 3,551.74 $319,192 $1,069
Pepper Advantage PLUS Fixed (P & I) - Owner Occupied (Fixed 7 yrs) 9.29 10.21 10.24 84 9.79 10.04 10.69 3,581.43 $320,850 $1,069
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs) 9.69 10.49 10.44 84 9.99 10.24 10.89 3,641.03 $324,172 $1,069
Pepper Advantage Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs) 8.49 10.04 10.44 84 9.99 10.24 10.89 3,641.03 $324,172 $1,069
Pepper Clear Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 7.79 9.81 10.49 84 10.04 10.29 10.94 3,655.97 $325,004 $1,069
Pepper Advantage PLUS Fixed (P & I) - Investment(Fixed 7 yrs) 9.64 10.57 10.59 84 10.14 10.39 11.04 3,685.90 $326,669 $1,069
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 10.04 10.85 10.79 84 10.34 10.59 11.24 3,745.96 $330,006 $1,069
Pepper Advantage Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 8.84 10.40 10.79 84 10.34 10.59 11.24 3,745.96 $330,006 $1,069
Pepper Advantage Fixed (P & I) - Owner Occupied(Fixed 7 yrs) 8.19 10.87 11.84 84 11.39 11.64 12.29 4,065.25 $347,675 $1,069
Pepper Advantage Fixed (P & I) - Investment(Fixed 7 yrs) 8.54 11.25 12.19 84 11.74 11.99 12.64 4,173.04 $353,618 $1,069
Standard Interest in Advance Fixed - Investment(Fixed 10 yrs) 7.59 7.52 7.49 120 6.19 5.99 6.34 2,794.12 $561,593 $1,025
Standard Fixed (No Offset) (Interest Only) - Owner Occupied (Fixed 10 yrs) 6.99 7.51 7.69 120 6.49 6.54 7.69 2,849.08 $566,161 $1,025
Standard Fixed (No Offset) (Interest Only) - Investment(Fixed 10 yrs) 7.59 7.66 7.69 120 6.19 6.54 7.69 2,849.08 $566,161 $1,025
Standard Fixed (No Offset) (P & I) - Owner Occupied (Fixed 10 yrs) 6.99 7.51 7.69 120 6.14 6.29 7.69 2,849.08 $566,161 $1,025
Standard Fixed (No Offset) (P & I) - Investment (Fixed 10 yrs) 7.59 7.66 7.69 120 6.09 6.44 7.69 2,849.08 $566,161 $1,025
Classic SMSF Commercial Security Fixed (P & I) - Investment(Fixed 10 yrs) 7.44 8.56 8.34 120 8.34 8.34 8.34 3,030.41 $584,635 $1,069
Classic Fixed SMSF (NDIS) (P & I) - Investment(Fixed 10 yrs) 6.94 8.57 8.54 120 8.54 8.54 - 3,087.00 $589,014 $1,069
Lender Product Name VARIABLE Comparison Rate INTRO FIXED RATES Initial Monthly Payment Total Cost Refund Up To
Intro Rate Term (months) 2 Yr 3 Yr 5 Yr
Lender Product Name Redraw Redraw Fee 100% Offset
Pepper Clear Fixed (P & I) - Owner Occupied(Fixed 7 yrs)  0.00  
Classic Fixed SMSF (NDIS) (Interest Only) - Investment(Fixed 7 yrs)  0.00  
Classic Fixed SMSF (Interest Only) - Investment(Fixed 7 yrs)  0.00  
Pepper Easy Fixed (Alt Doc) (P & I) Owner Occupied(Fixed 7 yrs)  0.00  
Pepper Clear Fixed (P & I) - Investment(Fixed 7 yrs)  0.00  
Pepper Easy Fixed (P & I) - Owner Occupied(Fixed 7 yrs)  0.00  
Pepper Easy Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs)  0.00  
Pepper Easy Fixed (P & I) - Investment(Fixed 7 yrs)  0.00  
Pepper Clear Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs)  0.00  
Pepper Advantage PLUS Fixed (P & I) - Owner Occupied (Fixed 7 yrs)  0.00  
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs)  0.00  
Pepper Advantage Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs)  0.00  
Pepper Clear Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs)  0.00  
Pepper Advantage PLUS Fixed (P & I) - Investment(Fixed 7 yrs)  0.00  
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs)  0.00  
Pepper Advantage Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs)  0.00  
Pepper Advantage Fixed (P & I) - Owner Occupied(Fixed 7 yrs)  0.00  
Pepper Advantage Fixed (P & I) - Investment(Fixed 7 yrs)  0.00  
Standard Interest in Advance Fixed - Investment(Fixed 10 yrs)  0.00  
Standard Fixed (No Offset) (Interest Only) - Owner Occupied (Fixed 10 yrs)  0.00  
Standard Fixed (No Offset) (Interest Only) - Investment(Fixed 10 yrs)  0.00  
Standard Fixed (No Offset) (P & I) - Owner Occupied (Fixed 10 yrs)  0.00  
Standard Fixed (No Offset) (P & I) - Investment (Fixed 10 yrs)  0.00  
Classic SMSF Commercial Security Fixed (P & I) - Investment(Fixed 10 yrs)  0.00  
Classic Fixed SMSF (NDIS) (P & I) - Investment(Fixed 10 yrs)  0.00  
Lender Product Name Redraw Redraw Fee 100% Offset
Lender Product Name Upfront Fee Annual Fee Monthly Fee Discharge Fee
Pepper Clear Fixed (P & I) - Owner Occupied(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Classic Fixed SMSF (NDIS) (Interest Only) - Investment(Fixed 7 yrs) 1,320.00  395.00  0.00  2,200.00 
Classic Fixed SMSF (Interest Only) - Investment(Fixed 7 yrs) 1,564.20  395.00  0.00  2,200.00 
Pepper Easy Fixed (Alt Doc) (P & I) Owner Occupied(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Clear Fixed (P & I) - Investment(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Easy Fixed (P & I) - Owner Occupied(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Easy Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Easy Fixed (P & I) - Investment(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Clear Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage PLUS Fixed (P & I) - Owner Occupied (Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Clear Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage PLUS Fixed (P & I) - Investment(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage Fixed (P & I) - Owner Occupied(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage Fixed (P & I) - Investment(Fixed 7 yrs) 2,075.00  0.00  15.00  500.00 
Standard Interest in Advance Fixed - Investment(Fixed 10 yrs) 0.00  0.00  0.00  160.00 
Standard Fixed (No Offset) (Interest Only) - Owner Occupied (Fixed 10 yrs) 0.00  0.00  0.00  160.00 
Standard Fixed (No Offset) (Interest Only) - Investment(Fixed 10 yrs) 0.00  0.00  0.00  160.00 
Standard Fixed (No Offset) (P & I) - Owner Occupied (Fixed 10 yrs) 0.00  0.00  0.00  160.00 
Standard Fixed (No Offset) (P & I) - Investment (Fixed 10 yrs) 0.00  0.00  0.00  160.00 
Classic SMSF Commercial Security Fixed (P & I) - Investment(Fixed 10 yrs) 1,564.20  395.00  0.00  2,200.00 
Classic Fixed SMSF (NDIS) (P & I) - Investment(Fixed 10 yrs) 1,320.00  395.00  0.00  2,200.00 
Lender Product Name Upfront Fee Annual Fee Monthly Fee Discharge Fee
Lender Product Name Minimum Loan Amount Maximum Loan Term Max LVR Owner
Pepper Clear Fixed (P & I) - Owner Occupied(Fixed 7 yrs) 50000  40  70 
Classic Fixed SMSF (NDIS) (Interest Only) - Investment(Fixed 7 yrs) 50000  30  85 
Classic Fixed SMSF (Interest Only) - Investment(Fixed 7 yrs) 50000  30  90 
Pepper Easy Fixed (Alt Doc) (P & I) Owner Occupied(Fixed 7 yrs) 50000  40  80 
Pepper Clear Fixed (P & I) - Investment(Fixed 7 yrs) 50000  40  65 
Pepper Easy Fixed (P & I) - Owner Occupied(Fixed 7 yrs) 50000  40  95 
Pepper Easy Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 50000  40  65 
Pepper Easy Fixed (P & I) - Investment(Fixed 7 yrs) 50000  40  90 
Pepper Clear Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs) 50000  40  85 
Pepper Advantage PLUS Fixed (P & I) - Owner Occupied (Fixed 7 yrs) 50000  40  70 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs) 50000  40  55 
Pepper Advantage Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs) 50000  40  70 
Pepper Clear Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 50000  40  65 
Pepper Advantage PLUS Fixed (P & I) - Investment(Fixed 7 yrs) 50000  40  70 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 50000  40  55 
Pepper Advantage Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs) 50000  40  85 
Pepper Advantage Fixed (P & I) - Owner Occupied(Fixed 7 yrs) 50000  40  70 
Pepper Advantage Fixed (P & I) - Investment(Fixed 7 yrs) 50000  40  55 
Standard Interest in Advance Fixed - Investment(Fixed 10 yrs) 20000  30  80 
Standard Fixed (No Offset) (Interest Only) - Owner Occupied (Fixed 10 yrs) 20000  30  90 
Standard Fixed (No Offset) (Interest Only) - Investment(Fixed 10 yrs) 20000  30  80 
Standard Fixed (No Offset) (P & I) - Owner Occupied (Fixed 10 yrs) 20000  30  80 
Standard Fixed (No Offset) (P & I) - Investment (Fixed 10 yrs) 20000  30  97 
Classic SMSF Commercial Security Fixed (P & I) - Investment(Fixed 10 yrs) 50000  30  70 
Classic Fixed SMSF (NDIS) (P & I) - Investment(Fixed 10 yrs) 50000  30  60 
Lender Product Name Minimum Loan Amount Maximum Loan Term Max LVR Owner
Lender Product Name Current Customers Refund First Time Customers Refund
Pepper Clear Fixed (P & I) - Owner Occupied(Fixed 7 yrs)$1,069.20  $763.71 
Classic Fixed SMSF (NDIS) (Interest Only) - Investment(Fixed 7 yrs)$1,069.20  $763.71 
Classic Fixed SMSF (Interest Only) - Investment(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Easy Fixed (Alt Doc) (P & I) Owner Occupied(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Clear Fixed (P & I) - Investment(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Easy Fixed (P & I) - Owner Occupied(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Easy Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Easy Fixed (P & I) - Investment(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Clear Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Advantage PLUS Fixed (P & I) - Owner Occupied (Fixed 7 yrs)$1,069.20  $763.71 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Advantage Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Clear Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Advantage PLUS Fixed (P & I) - Investment(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Advantage Fixed (Alt Doc) (P & I) - Investment(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Advantage Fixed (P & I) - Owner Occupied(Fixed 7 yrs)$1,069.20  $763.71 
Pepper Advantage Fixed (P & I) - Investment(Fixed 7 yrs)$1,069.20  $763.71 
Standard Interest in Advance Fixed - Investment(Fixed 10 yrs)$1,024.65  $731.89 
Standard Fixed (No Offset) (Interest Only) - Owner Occupied (Fixed 10 yrs)$1,024.65  $731.89 
Standard Fixed (No Offset) (Interest Only) - Investment(Fixed 10 yrs)$1,024.65  $731.89 
Standard Fixed (No Offset) (P & I) - Owner Occupied (Fixed 10 yrs)$1,024.65  $731.89 
Standard Fixed (No Offset) (P & I) - Investment (Fixed 10 yrs)$1,024.65  $731.89 
Classic SMSF Commercial Security Fixed (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Classic Fixed SMSF (NDIS) (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Lender Product Name Current Customers Refund First Time Customers Refund
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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.
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