---
title: "Prime Non-standard regulated consumer loan (CRE Loan) - Prime Full Doc — Pepper Money"
description: "Business Loans from Pepper Money. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/pepper-money-a67e5f/products/PEP05011
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-27T06:52:29Z
---

# Prime Non-standard regulated consumer loan (CRE Loan) - Prime Full Doc — Pepper Money

> Business Loans from Pepper Money. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans**

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.

## At a glance

- **From (owner occupied):** 7.94% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.94% | — | Up to 50% |
| Variable | 7.94% | — | >50 - 60% |
| Variable | 8.14% | — | >60 - 65% |
| Variable | 8.3% | — | >65 - 70% |
| Variable | 8.49% | — | >70 - 75% |
| Variable | 8.84% | — | >75 - 80% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.94% | — | Up to 50% |
| Variable | 7.94% | — | >50 - 60% |
| Variable | 8.14% | — | >60 - 65% |
| Variable | 8.3% | — | >65 - 70% |
| Variable | 8.49% | — | >70 - 75% |
| Variable | 8.84% | — | >75 - 80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.94% | — | Up to 50% |
| Variable | 7.94% | — | >50 - 60% |
| Variable | 8.14% | — | >60 - 65% |
| Variable | 8.3% | — | >65 - 70% |
| Variable | 8.49% | — | >70 - 75% |
| Variable | 8.84% | — | >75 - 80% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.94% | — | Up to 50% |
| Variable | 7.94% | — | >50 - 60% |
| Variable | 8.14% | — | >60 - 65% |
| Variable | 8.3% | — | >65 - 70% |
| Variable | 8.49% | — | >70 - 75% |
| Variable | 8.84% | — | >75 - 80% |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Prime Establishment Fee — Charged once at loan establishment for prime commercial mortgage applications. | Upfront | 0.85% of balance |
| Prime Admin Fee — Charged monthly · Charged monthly per account split for ongoing administration of the loan. | Ongoing | $25.00 |
| Legal Fee — Covers standard legal costs incurred at loan establishment. | Upfront | $825.00 |
| 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 |
| Valuation Fee | Upfront | Variable |
| Early Repayment Fee — Only applicable if the loan is repaid within the first 3 years. | Event | 2% of balance |

## 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.)
- **Extra repayments** (Additional repayments. Make extra repayments at any time, subject to terms and conditions.)
- **Flexible Loan Terms. 1-30 year loan terms are available.**
- **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 years (Individual 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** — $100,000.00

## More information from Pepper Money

- [Overview](https://www.peppermoney.com.au/)

## Data provenance

- Published by Pepper Money under the Consumer Data Right
- Product ID: `PEP05011`
- Last updated by the provider: 27 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/pepper-money-a67e5f/PEP05011
- Provider page: https://www.cdrcompare.au/brands/pepper-money-a67e5f

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/pepper-money-a67e5f/products/PEP05011) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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