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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
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
Classic Fixed SMSF (P & I) - Investment(Fixed 10 yrs) 6.94 8.59 8.54 120 8.54 8.54 - 3,087.00 $589,258 $1,069
Pepper Essential Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 6.79 8.42 8.64 120 7.84 8.04 8.64 3,115.43 $590,314 $1,069
Pepper Essential Fixed (P & I) - Owner Occupied (Fixed 10 yrs) 6.29 8.33 8.69 120 7.79 8.04 8.69 3,129.68 $591,474 $1,069
Pepper Essential Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 6.94 8.57 8.79 120 7.99 8.19 8.79 3,158.24 $593,795 $1,069
Classic SMSF Commercial Security Fixed (Interest Only) - Investment(Fixed 10 yrs) 7.84 8.96 8.74 120 8.74 8.74 8.74 3,143.95 $593,894 $1,069
Classic Fixed SMSF (NDIS) (Interest Only) - Investment(Fixed 10 yrs) 7.34 8.98 8.94 120 8.94 8.94 - 3,201.24 $598,299 $1,069
Pepper Essential Fixed (P & I) - Investment(Fixed 10 yrs) 6.59 8.64 8.99 120 8.09 8.34 8.99 3,215.61 $598,447 $1,069
Classic Fixed SMSF (Interest Only) - Investment(Fixed 10 yrs) 7.34 9.00 8.94 120 8.94 8.94 - 3,201.24 $598,543 $1,069
Pepper Clear Fixed (P & I) - Owner Occupied(Fixed 10 yrs) 6.99 9.14 9.39 120 8.49 8.74 9.39 3,331.36 $608,486 $1,069
Pepper Easy Fixed (Alt Doc) (P & I) Owner Occupied(Fixed 10 yrs) 7.59 9.44 9.59 120 8.69 8.94 9.59 3,389.71 $613,177 $1,069
Pepper Clear Fixed (P & I) - Investment(Fixed 10 yrs) 7.34 9.51 9.74 120 8.84 9.09 9.74 3,433.68 $616,703 $1,069
Pepper Easy Fixed (P & I) - Owner Occupied(Fixed 10 yrs) 7.39 9.64 9.89 120 8.99 9.24 9.89 3,477.82 $620,237 $1,069
Pepper Easy Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 7.94 9.81 9.94 120 9.04 9.29 9.94 3,492.56 $621,417 $1,069
Pepper Easy Fixed (P & I) - Investment(Fixed 10 yrs) 7.74 10.00 10.24 120 9.34 9.59 10.24 3,581.43 $628,511 $1,069
Pepper Clear Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 7.44 10.22 10.59 120 9.69 9.94 10.59 3,685.90 $636,824 $1,069
Pepper Advantage PLUS Fixed (P & I) - Owner Occupied (Fixed 10 yrs) 9.29 10.71 10.69 120 9.79 10.04 10.69 3,715.90 $639,206 $1,069
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 9.69 10.96 10.89 120 9.99 10.24 10.89 3,776.08 $643,980 $1,069
Pepper Advantage Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 8.49 10.70 10.89 120 9.99 10.24 10.89 3,776.08 $643,980 $1,069
Pepper Clear Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 7.79 10.59 10.94 120 10.04 10.29 10.94 3,791.17 $645,176 $1,069
Pepper Advantage PLUS Fixed (P & I) - Investment(Fixed 10 yrs) 9.64 11.07 11.04 120 10.14 10.39 11.04 3,821.39 $647,569 $1,069
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 10.04 11.32 11.24 120 10.34 10.59 11.24 3,882.01 $652,366 $1,069
Pepper Advantage Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 8.84 11.06 11.24 120 10.34 10.59 11.24 3,882.01 $652,366 $1,069
Pepper Advantage Fixed (P & I) - Owner Occupied(Fixed 10 yrs) 8.19 11.81 12.29 120 11.39 11.64 12.29 4,203.96 $677,756 $1,069
Pepper Advantage Fixed (P & I) - Investment(Fixed 10 yrs) 8.54 12.18 12.64 120 11.74 11.99 12.64 4,312.53 $686,297 $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
Classic Fixed SMSF (NDIS) (P & I) - Investment(Fixed 10 yrs)  0.00  
Classic Fixed SMSF (P & I) - Investment(Fixed 10 yrs)  0.00  
Pepper Essential Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs)  0.00  
Pepper Essential Fixed (P & I) - Owner Occupied (Fixed 10 yrs)  0.00  
Pepper Essential Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs)  0.00  
Classic SMSF Commercial Security Fixed (Interest Only) - Investment(Fixed 10 yrs)  0.00  
Classic Fixed SMSF (NDIS) (Interest Only) - Investment(Fixed 10 yrs)  0.00  
Pepper Essential Fixed (P & I) - Investment(Fixed 10 yrs)  0.00  
Classic Fixed SMSF (Interest Only) - Investment(Fixed 10 yrs)  0.00  
Pepper Clear Fixed (P & I) - Owner Occupied(Fixed 10 yrs)  0.00  
Pepper Easy Fixed (Alt Doc) (P & I) Owner Occupied(Fixed 10 yrs)  0.00  
Pepper Clear Fixed (P & I) - Investment(Fixed 10 yrs)  0.00  
Pepper Easy Fixed (P & I) - Owner Occupied(Fixed 10 yrs)  0.00  
Pepper Easy Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs)  0.00  
Pepper Easy Fixed (P & I) - Investment(Fixed 10 yrs)  0.00  
Pepper Clear Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs)  0.00  
Pepper Advantage PLUS Fixed (P & I) - Owner Occupied (Fixed 10 yrs)  0.00  
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs)  0.00  
Pepper Advantage Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs)  0.00  
Pepper Clear Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs)  0.00  
Pepper Advantage PLUS Fixed (P & I) - Investment(Fixed 10 yrs)  0.00  
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs)  0.00  
Pepper Advantage Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs)  0.00  
Pepper Advantage Fixed (P & I) - Owner Occupied(Fixed 10 yrs)  0.00  
Pepper Advantage Fixed (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
Classic Fixed SMSF (NDIS) (P & I) - Investment(Fixed 10 yrs) 1,320.00  395.00  0.00  2,200.00 
Classic Fixed SMSF (P & I) - Investment(Fixed 10 yrs) 1,564.20  395.00  0.00  2,200.00 
Pepper Essential Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 1,679.00  0.00  10.00  500.00 
Pepper Essential Fixed (P & I) - Owner Occupied (Fixed 10 yrs) 1,679.00  0.00  10.00  500.00 
Pepper Essential Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 1,679.00  0.00  10.00  500.00 
Classic SMSF Commercial Security Fixed (Interest Only) - Investment(Fixed 10 yrs) 1,564.20  395.00  0.00  2,200.00 
Classic Fixed SMSF (NDIS) (Interest Only) - Investment(Fixed 10 yrs) 1,320.00  395.00  0.00  2,200.00 
Pepper Essential Fixed (P & I) - Investment(Fixed 10 yrs) 1,679.00  0.00  10.00  500.00 
Classic Fixed SMSF (Interest Only) - Investment(Fixed 10 yrs) 1,564.20  395.00  0.00  2,200.00 
Pepper Clear Fixed (P & I) - Owner Occupied(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Easy Fixed (Alt Doc) (P & I) Owner Occupied(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Clear Fixed (P & I) - Investment(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Easy Fixed (P & I) - Owner Occupied(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Easy Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Easy Fixed (P & I) - Investment(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Clear Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage PLUS Fixed (P & I) - Owner Occupied (Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Clear Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage PLUS Fixed (P & I) - Investment(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage Fixed (P & I) - Owner Occupied(Fixed 10 yrs) 2,075.00  0.00  15.00  500.00 
Pepper Advantage Fixed (P & I) - Investment(Fixed 10 yrs) 2,075.00  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
Classic Fixed SMSF (NDIS) (P & I) - Investment(Fixed 10 yrs) 50000  30  60 
Classic Fixed SMSF (P & I) - Investment(Fixed 10 yrs) 50000  30  60 
Pepper Essential Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 100000  40  55 
Pepper Essential Fixed (P & I) - Owner Occupied (Fixed 10 yrs) 100000  40  95 
Pepper Essential Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 100000  40  55 
Classic SMSF Commercial Security Fixed (Interest Only) - Investment(Fixed 10 yrs) 50000  30  60 
Classic Fixed SMSF (NDIS) (Interest Only) - Investment(Fixed 10 yrs) 50000  30  85 
Pepper Essential Fixed (P & I) - Investment(Fixed 10 yrs) 100000  40  95 
Classic Fixed SMSF (Interest Only) - Investment(Fixed 10 yrs) 50000  30  90 
Pepper Clear Fixed (P & I) - Owner Occupied(Fixed 10 yrs) 50000  40  70 
Pepper Easy Fixed (Alt Doc) (P & I) Owner Occupied(Fixed 10 yrs) 50000  40  80 
Pepper Clear Fixed (P & I) - Investment(Fixed 10 yrs) 50000  40  65 
Pepper Easy Fixed (P & I) - Owner Occupied(Fixed 10 yrs) 50000  40  95 
Pepper Easy Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 50000  40  65 
Pepper Easy Fixed (P & I) - Investment(Fixed 10 yrs) 50000  40  90 
Pepper Clear Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 50000  40  85 
Pepper Advantage PLUS Fixed (P & I) - Owner Occupied (Fixed 10 yrs) 50000  40  70 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 50000  40  55 
Pepper Advantage Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs) 50000  40  70 
Pepper Clear Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 50000  40  65 
Pepper Advantage PLUS Fixed (P & I) - Investment(Fixed 10 yrs) 50000  40  70 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 50000  40  55 
Pepper Advantage Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs) 50000  40  85 
Pepper Advantage Fixed (P & I) - Owner Occupied(Fixed 10 yrs) 50000  40  70 
Pepper Advantage Fixed (P & I) - Investment(Fixed 10 yrs) 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
Classic Fixed SMSF (NDIS) (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Classic Fixed SMSF (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Essential Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Essential Fixed (P & I) - Owner Occupied (Fixed 10 yrs)$1,069.20  $763.71 
Pepper Essential Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Classic SMSF Commercial Security Fixed (Interest Only) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Classic Fixed SMSF (NDIS) (Interest Only) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Essential Fixed (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Classic Fixed SMSF (Interest Only) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Clear Fixed (P & I) - Owner Occupied(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Easy Fixed (Alt Doc) (P & I) Owner Occupied(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Clear Fixed (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Easy Fixed (P & I) - Owner Occupied(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Easy Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Easy Fixed (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Clear Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Advantage PLUS Fixed (P & I) - Owner Occupied (Fixed 10 yrs)$1,069.20  $763.71 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Advantage Fixed (Alt Doc) (P & I) - Owner Occupied(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Clear Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Advantage PLUS Fixed (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Advantage PLUS Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Advantage Fixed (Alt Doc) (P & I) - Investment(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Advantage Fixed (P & I) - Owner Occupied(Fixed 10 yrs)$1,069.20  $763.71 
Pepper Advantage Fixed (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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