Non-Conforming Home Loan - Specialist Plus Full Doc

Home Loans

We understand that everyone’s real-life situation is different. We look at more than just your credit score, which is why we may be able to help when others can’t. Our variable rate home loan options give you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for a 100% interest offset sub-account and VISA debit card+ access (monthly fees apply).

From (owner occupied): 9.74%; 10.04% comparison

Interest Rates

Owner occupied — Principal & interest

Type	Rate	Comparison	Applies To
Variable	9.74%	10.04%	Up to 55
Variable	9.74%	10.04%	>55 - 65
Variable	9.84%	10.13%	>65 - 70
Variable	9.84%	10.13%	>70 - 75
Variable	10.14%	10.44%	>75 - 80
Fixed · 2 years	10.24%	10.15%	Up to 55
Fixed · 2 years

Fees

Fee	Type	Amount
Non-Conforming Establishment Fee Charged once at loan establishment for non-conforming residential mortgage applications.	Upfront	$995.00
Non-Conforming Admin Fee Charged monthly · Charged monthly per account split for ongoing administration of the loan.	Ongoing	$15.00
Legal Fee Covers standard legal costs incurred at loan establishment.	Upfront	$330.00
Legal Disbursements Third-party legal costs such as searches and registrations, charged at cost.	Upfront	Variable
Discharge Fee Charged per plan when the loan is fully discharged.	Exit	$500.00
Fixed Rate Lock Fee Applies to fixed rates only if Rate Lock option is requested.	Upfront	0.15% of balance
Valuation Fee One standard valuation included.

Features

Offset account: 100% Interest Offset sub-account. Manage loan interest charged with an Offset sub-account.
Redraw facility: Redraw Facility (minimum redraw amounts apply). Make additional repayments and redraw at any time.
Card access — Visa Debit Card (including payWave). Access additional advances with a Visa Debit Card.
Extra repayments: Additional repayments. Make extra repayments at any time, subject to terms and conditions.
Flexible Loan Terms. 10-40 year loan terms are available (maximum 30 years for Interest Only).
Digital banking: Provides borrowers online access to view and manage loan accounts.
Repayment option - choose between variable and interest only (max 5 years) repayments.

Eligibility

Minimum age — 18 yearsIndividual borrower must be 18 years + to enter into a contract.
Residency status — Only available to Australian Citizens or Permanent Residents.
All applications are subject to credit assessment and eligibility criteria.

Constraints

Minimum limit — $50,000.00

More Information

Overview

Published by Pepper Money under the Consumer Data Right · Last updated 10 July 2026 · Product ID PEP02051

Type	Rate	Comparison	Applies To
Variable	10.04%	10.17%	Up to 55
Variable	10.04%	10.17%	>55 - 65
Variable	10.14%	10.27%	>65 - 70
Variable	10.14%	10.27%	>70 - 75
Variable	10.44%	10.57%	>75 - 80
Fixed · 2 years	10.54%	10.22%	Up to 55
Fixed · 2 years	10.54%	10.22%	>55 - 65
Fixed · 2 years	10.64%	10.31%	>65 - 70
Fixed · 2 years	10.64%	10.31%	>70 - 75
Fixed · 3 years	10.64%	10.33%	Up to 55
Fixed · 3 years	10.64%	10.33%	>55 - 65
Fixed · 3 years	10.74%	10.43%	>65 - 70
Fixed · 3 years	10.74%	10.43%	>70 - 75
Fixed · 5 years	10.84%	10.57%	Up to 55
Fixed · 5 years	10.84%	10.57%	>55 - 65
Fixed · 2 years	10.94%	10.62%	>75 - 80
Fixed · 5 years	10.94%	10.68%	>65 - 70
Fixed · 5 years	10.94%	10.68%	>70 - 75
Fixed · 3 years	11.04%	10.73%	>75 - 80
Fixed · 5 years	11.24%	10.98%	>75 - 80

Type	Rate	Comparison	Applies To
Variable	10.09%	10.39%	Up to 55
Variable	10.09%	10.39%	>55 - 65
Variable	10.19%	10.49%	>65 - 70
Variable	10.19%	10.49%	>70 - 75
Variable	10.49%	10.79%	>75 - 80
Fixed · 2 years	10.59%	10.51%	Up to 55
Fixed · 2 years	10.59%	10.51%	>55 - 65
Fixed · 2 years	10.69%	10.6%	>65 - 70
Fixed · 2 years	10.69%	10.6%	>70 - 75
Fixed · 3 years	10.69%	10.59%	Up to 55
Fixed · 3 years	10.69%	10.59%	>55 - 65
Fixed · 3 years	10.79%	10.69%	>65 - 70
Fixed · 3 years	10.79%	10.69%	>70 - 75
Fixed · 5 years	10.89%	10.79%	Up to 55
Fixed · 5 years	10.89%	10.79%	>55 - 65
Fixed · 2 years	10.99%	10.91%	>75 - 80
Fixed · 5 years	10.99%	10.89%	>65 - 70
Fixed · 5 years	10.99%	10.89%	>70 - 75
Fixed · 3 years	11.09%	10.99%	>75 - 80
Fixed · 7 years	11.09%	11.03%	Up to 55
Fixed · 7 years	11.09%	11.03%	>55 - 65
Fixed · 7 years	11.19%	11.13%	>65 - 70
Fixed · 7 years	11.19%	11.13%	>70 - 75
Fixed · 5 years	11.29%	11.2%	>75 - 80
Fixed · 7 years	11.49%	11.44%	>75 - 80
Fixed · 10 years	11.49%	11.51%	Up to 55
Fixed · 10 years	11.49%	11.51%	>55 - 65
Fixed · 10 years	11.59%	11.61%	>65 - 70
Fixed · 10 years	11.59%	11.61%	>70 - 75
Fixed · 10 years	11.89%	11.91%	>75 - 80

Type	Rate	Comparison	Applies To
Variable	10.39%	10.52%	Up to 55
Variable	10.39%	10.52%	>55 - 65
Variable	10.49%	10.62%	>65 - 70
Variable	10.49%	10.62%	>70 - 75
Variable	10.79%	10.93%	>75 - 80
Fixed · 2 years	10.89%	10.57%	Up to 55
Fixed · 2 years	10.89%	10.57%	>55 - 65
Fixed · 2 years	10.99%	10.67%	>65 - 70
Fixed · 2 years	10.99%	10.67%	>70 - 75
Fixed · 3 years	10.99%	10.69%	Up to 55
Fixed · 3 years	10.99%	10.69%	>55 - 65
Fixed · 3 years	11.09%	10.78%	>65 - 70
Fixed · 3 years	11.09%	10.78%	>70 - 75
Fixed · 5 years	11.19%	10.93%	Up to 55
Fixed · 5 years	11.19%	10.93%	>55 - 65
Fixed · 2 years	11.29%	10.98%	>75 - 80
Fixed · 5 years	11.29%	11.03%	>65 - 70
Fixed · 5 years	11.29%	11.03%	>70 - 75
Fixed · 3 years	11.39%	11.09%	>75 - 80
Fixed · 5 years	11.59%	11.35%	>75 - 80