Our variable rate home loan options give your clients the flexibility to manage their money how they want. They’ll get access to our online loan portal, the freedom to make additional repayments and more.
Key features of our variable rate home loan option
Offset sub-account
Free online redraw
Split loans
No credit scoring1
Visa debit card
Online loan management
Bank said no? Give it the non-bank test
Best yet, it's free and won't impact their credit score.
Important Information
Interest rates are correct as of 21 August 2026 and are 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. Refer to the rate card for our full range of interest rates and fees.
1 Credit scoring used on Product Selector.
2 Visa Debit card is issued by Indue Limited ABN 97 087 822 464 and distributed by Pepper Finance Corporation Limited ACN 094 317 647 and/or through Pepper Money accredited mortgage brokers. Refer to the Conditions of Use and Target Market Determination (TMD).
An indicative offer isn’t formal approval for a loan, and financial commitments mustn’t be entered into based on it. It’s not a suggestion or recommendation of any particular loan product. It’s a guide only based on the limited information provided and the credit score obtained. The actual interest rate and fees will depend on the borrower’s circumstances and the information verified during the loan application assessment.
