Whether your client is buying their first home, refinancing, or investing, our fixed rate home loan option provides extra certainty with regular repayments for up to 10 years. Plus, with no break fee they’ll have the flexibility to switch their fixed rate home loan when real life happens.
Key features of our fixed rate home loan option
Certainty of repayments
No break fees
Flexible fixed interest rate terms
Split loan option
Unlimited extra repayments
Rate lock
For more information on our fixed rate home loan option, please refer to the fixed rate FAQs.
Get started with our fixed rate home loan
Note: You’ll need to be logged into the Pepper Money Broker Portal.
Bank said no? Give it the non-bank test
Best yet, it's free and won't impact their credit score.
Important Information
Information is correct as at 21 August 2026 and subject to change at any time. 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.
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.
* Before using Product Selector, it is important to ensure you have received your customer’s written consent to act on their behalf as an Access Seeker. Applications are subject to the credit assessment, eligibility criteria and lending limits.
An indicative offer is not a formal approval for a loan and financial commitments must not be entered into based on it. It is not a suggestion or recommendation of any particular loan product. It is a guide only based on the limited information provided and the credit score obtained. An indicative offer is valid for 30 days. The actual interest rate and fees will depend on the borrower’s circumstances and the information verified during the loan application assessment.
# There is a non-refundable, minimum fee of $750 per home loan application to lock in a fixed interest rate for 90 days, payable at settlement. For home loan balances greater than $500,000, the rate lock fee is 0.15% of the fixed interest rate loan balance at settlement. For example, for a fixed rate loan amount of $600,000, the rate lock fee will be $600,000 x 0.15% = $900. The lesser of the fixed interest rate at settlement or the applicable locked in fixed interest rate will be applied at settlement. The rate lock fee will be charged at settlement even if interest rates decrease after the rate lock request has been approved.
