February key updates:
What you need to know

Published: 05 Feb 2026
Read time: 2 min

The changes you need to know, effective 13 February 2026.

Update on rates 

Existing variable rate clients
A 0.25% p.a. increase will apply to home, commercial, construction, and SMSF loans. We’ll let impacted customer know their applicable rate, repayment details, and the effective date. minimum monthly repayments, and the effective date.
Applications in pipeline
For applications yet to settle, an increase of 0.25% p.a. will be applied to their home, commercial, construction, or SMSF loan at settlement.
New applications
We’re increasing our variable rates across our home, commercial, construction and SMSF loans by up to 0.25% p.a.

Rates cards will be available from 13 February 2026.

No Risk fee. No LPF.

You can continue to access our no LPF or risk fee (similar to LMI) promotion up to 90% LVR on our Prime Full Doc option, until 01 April 2026.
Find out more

Information is correct as at 5 February 2026 and subject to change at any time.

This content is for accredited Pepper Money brokers, introducers and intermediaries, including those applying for accreditation. It shouldn't be distributed to or relied upon by consumers.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

*Loan Protection Fee promotion applies to new Prime Full Doc residential purchase applications up to 90% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted and conditionally approved between 12:00am AEDT 1 April 2025 and 11:59pm AEDT 1 April 2026.

Back to Product Updates
Invested in your success

Helping you assist all kinds of clients. Talk to us today.