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Your Scenario
Loan Type
Fixed Rate Term
Number of properties
Reason
Features
Repayments
Results

Pepper Money Essential

Basic Info

Interest Rate 6.04%

Comparison Rate* 6.23%*

Loan Type Variable

Min Deposit 5%

Features

100% Offset Account

Extra Repayments

Redraw Facility

Construction

Split Loan

Capitalise LMI

Branch Network

Credit Card

Fees

Application Fee $599

Monthly Fee $10

Annual Fee $0

Settlement Fee $0

Legal Fee $440

Valuation Fee $0

Redraw Fee $0

Extra Repayment Fee $0

Split Fee $0

Rate Lock Fee $0

Other Fee $0

Maximum LVR by Loan Size

$100,000 – $650,000 95%

$650,000 – $750,000 90%

$750,000 – $850,000 85%

$850,000 – $1,500,000 75%

$15,000,000 – $2,000,000 70%

Miscellaneous

Term 10-30yrs

Owner Both

Maximum LVR 95%

LMI Payable -

LMI Provider -

Repayment Methods P&I

Min Loan Size $100k

Max Loan Size $2M

Availability

Full Doc

Low Doc

Non Conforming

Credit Impaired

Discount by loan amount and LVR

Calculate the Loan to Value Ratio (LVR) below Loan Amount

$500,000

Interest Rates Discounts Based on Loan Amount and LVR

Loan Amount vs LVR 0% - 55% 55% - 65% 65% - 70% 70% - 75% 75% - 80% 80% - 85% 85% - 90% 90% - 100%
$100,000 - $2,000,000 6.04% 6.14% 6.20% 6.25% 6.55% 6.75% 7.22% 7.55%

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*The comparison rates above are for secured home loan products of the lenders as shown, based on a loan amount of $150,000 and 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.

**Different terms, fees or other loan amounts may result in different repayment amounts.

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