Employee engagement & Inclusion % - %
Our people are our biggest asset, and our culture of inclusion and diversity is something we’re incredibly proud of. Developing our people and respecting their individuality brings with it increased satisfaction, engagement, and allows us to achieve a high-performance culture.
Learn more about our Diversity Policy and access our latest WGEA report.
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Interest rates
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Secured fixed interest rates and comparison rates from % - % p.a.*#
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Application process
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10 minutes online, or call us on 1300 108 794
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Loan term
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18 - 84 months^
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Loan amount
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$15,000 - $50,000
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Funds availability
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Next business day following approval (subject to your bank's direct credit processing times)
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Repayment type & frequency
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Pay by Direct Debit in weekly or fortnightly installments
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Fees and charges
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We don't charge any fees
- Loan establishment fee | $0
- Account administration fee | $0
- Early repayment fee~ | $0
- Security registration fee | $0
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Interest rate
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Unsecured fixed interest rates and comparison rates from % - % p.a.*#
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Application process
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10 minutes online, or call us on 1300 108 794
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Loan term
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18 - 84 months^
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Loan amount
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$5,000 - $50,000
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Funds availability
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Next business day following approval (subject to your bank's direct credit processing times)
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Repayment type & frequency
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Pay by Direct Debit in weekly or fortnightly installments
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Fees and charges
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We don't charge any fees
- Loan establishment fee | $0
- Account administration fee | $0
- Early repayment fee~ | $0
Helping our real life customers succeed
% p.a.
% p.a.
Ready to take the next step?
Get started with our no fee~ personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Ready to take the next step?
Get started with our no fee~ personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Ready to take the next step?
Get started with our no fee~ personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Ready to take the next step?
Get started with our no fee~ personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Ready to take the next step?
Get started with our no fee~ personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Ready to take the next step?
Get started with our no fee~ personal loan and find out your personalised rate today.
Won’t impact your credit score Get your rate in 2 minutes
Choose a home loan interest rate option that works for you
Our variable home loan interest rates
For new owner occupier variable rate home loans, making principal and interest repayments.
Up to 55% LVR. View our full interest rate range.
Our fixed rate home loan interest rates
For new owner occupier fixed rate home loans, making principal and interest repayments. Up to 55% LVR. View our full interest rate range.
Asset Finance Introducers
- Offer our asset financing to your customers. our asset financing to your customers. our asset financing to your customers.
- Offer our asset financing to your customers.
Mortgage Brokers
Third Party Servicing
Sponsorships
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Interest rates
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Floating interest rates from % p.a. to % p.a.
2-year fixed interest rates from % p.a. to % p.a.
3-year fixed interest rates from % p.a. to % p.a.
The actual interest rate will depend on the borrower's circumstances and the information verified during the assessment of a loan application.
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Loan purpose
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Purchase or refinance an owner-occupied or investment property. Debt consolidation available when refinancing.
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Maximum LVR
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Borrow up to 85%* of the property value.
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Loan amounts
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From $100,000 up to $2,500,000 subject to product, region, eligibility criteria and lending limits.
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Loan terms
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10 - 30 years - subject to eligibility criteria.
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Interest rate options
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Choose a floating rate or a 2 or 3-year fixed rate period.
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Repayment options
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- Principal and Interest, or
- Interest only (up to 5 years - followed by Principal and Interest payments for the remainder of the loan term).
For owner-occupied loans, interest only is limited to 50% of your total loan amount.
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Repayment frequency
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- Weekly, fortnightly or monthly for Principal and Interest loans
- Monthly for interest-only loans
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Extra repayments
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Unlimited extra payments are permitted, free of charge for floating interest rates. For fixed rate loans, extra payments are free of charge up to $10,000 p.a.
See fees and charges for more information. -
Redraw
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Minimum online redraw is $50, and minimum manual redraw is $1,000.
You'll need at least 1 floating loan split to transact via redraw.
Redraw is not available during any fixed interest rate loan term. -
Loan splits
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Up to 4 splits are available.
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Fees and Charges
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Establishment fee: $749 inclusive of legal and settlement fees.
Discharge admin fee: $500
Monthly admin fee: From $10-$15 per loan split, depending on product.
Break costs: Break costs are payable on early repayment of more than $10K p.a. on a fixed rate loan, or switching to a different interest rate during the fixed rate period.
- Dan, fresh out of a divorce, faced the challenge of caring for his two young boys while searching for a new home.
- Despite his twenty-year loyalty to the bank, he encountered setbacks due to his financial situation.
- Pepper Money stepped in, offering understanding and a range of options, ultimately helping Dan get back on track and buy a new home.
