Whether your clients are self-employed; investors; refinancers; credit impaired or need options for construction. Our latest rates package could help you turn a no into a yes.
|
Interest rates: Select variable rates reduced1.
No loadings for fixed rates for 2, 3 & 5 years2. Plus, more. |
Buffer rates: 2% Serviceability buffer 2%. Additional reductions for select scenarios. T&Cs apply. | SLA rates: Same day response for loans submitted by 11am AEST. |
Until 27 June 2024, enjoy:
|
Variable rates
Access savings between 10 to 75bps for select LVR bands and loan options1 - this applies to:
|
Fixed Rates
Certainty at a great rate. Lock in today’s variable rate for 2, 3 and 5 years, across Prime to Specialist loan options with no additional loading2. Plus, with no break fees, they can leave anytime. To lock in these interest rates for 90 days from Final Approval, submit the Fixed Interest Rate Lock Authority Request form (fees apply3). |
Exclusive to Connective Solutions
Investor loans Invest for less. We’re discounting our loadings for investor purchases by 20bps for all Near Prime Clear, Near Prime and Specialist home loan options4. Construction loans Need options for construction or vacant land deals? Access significant savings with discounts up to 177bps. We’ve reduced construction interest rates across all LVRs and loan options5! |
For construction loan policy options, see the Connective Solutions Product Guide or speak to your BDM.
|
Home Loan rates and fees
View residential home loan rates, options, and fees. |
Construction rates and fees
View construction home loan rates, options, and fees. |
Servicing calculator
Calculate your client's serviceability estimate before applying. |
Submit a scenario
Submit your home loan scenarios and get a quick review from us. |
Important Information
Information is correct as of 8 April 2024 and subject to change at any time.
Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees, and charges apply. Promotions are subject to change and may be varied or withdrawn at any time. Applications lodged after the Promotion period will be offered the current interest rates then applicable.
1Variable interest rate promotion (Promotion) applies to select LVRs for new Near Prime Clear and Near Prime home loan applications. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00 am AEST 8 April 2024 and 11:59 pm AEST 27 June 2024.
2Pepper Money’s fixed interest rate promotion is only available for new home loan applications not previously submitted. Applications must be submitted between 12:00 am AEST 8 April 2024 until 11:59 pm AEST 27 June 2024. To lock in the interest rate at Final Approval, a fixed rate authority lock form must be submitted (fees apply3).
3There is a non-refundable, minimum fee of $750 per home loan application to lock in a fixed interest rate for 90 days. 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.
4Investor loading promotion (Promotion) applies to new investor purchases home loan applications. Applications must be submitted between 12:00 am AEST 8 April 2024 and 11:59 pm AEST 27 June 2024.
5Construction interest rate promotion (Promotion) applies to new construction loan applications. Applications must be submitted between 12:00 am AEST 8 April 2024 and 11:59 pm AEST 27 June 2024.
Connective Home Loans, ABN 51 143 651 496, ACN 143 651 496 Australian Credit Licence 389328. Credit provided by Pepper Finance Corporation Limited ACN 094 317 647. ©Pepper Money Limited ABN 55 094 317 665, Australian Credit Licence Number 286655, is the servicer of loans made by Pepper Finance Corporation Limited ABN 51 094 317 647.
