Don't miss out on our debt consolidation opportunity

Don't miss out on our debt consolidation opportunity

Interest rates reduced up to 164bps¹. Check out our rate card Mercury Nexus.

Home loan Full Doc option starting from¹

Home loan Alt Doc option starting from¹

Reduced buffer rates: Serviceability buffer reduced to 2% across the board. 1% for debt consolidation clients <80% LVR. T&Cs are available in our serviceability calculator available in the Mercury Nexus Research App.

Comprehensive debt consolidation options:

And leading turnaround rates: Loan submitted by 11 am AEST receive a same-day response.

With options across Prime and Non-Conforming scenarios, talk to us about workshopping your client’s situation. We’re here to assist.

Our Rates Package is particularly hot for your investor clients. Why?

• Deal assessment flexibility that can increase their borrowing power.
• Serviceability: We have a 2% buffer across all home loan options, but in the case of investor clients we have additional options. Check them out using our serviceability calculator in the Mercury Nexus Research App today.
• Interest rates reduced: Rates from 6.59% p.a.² (6.59% p.a. comparison rate³) for select LVRs. Check out the rate card here».
• Policy options: We have a range of policy options that can support your investor clients, like:

No DTI No notional rent Actual payments on OFI debts (+25% buffer) Unlimited cash out (subject to loan size and LVR)

No professional investor loading applied No genuine savings required No lenders mortgage insurance Individual, company or trust borrowers

• And we offer fast deal assessment: With market leading SLAs, the pace of response can be all the difference. Deals in by 11am AEST means a response back the same day.

If your investor clients are looking to increase their borrowing power to purchase or refinance, talk to us.

Important Information:

Information is correct as of 7 August 2023 and subject to change at any time. Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.

¹Interest rate promotion (Promotion) applies to select LVRs for new home loan and commercial 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 7 August 2023 and 5:00 pm AEDT 13 October 2023. Applications lodged after the Promotion period will be offered the current interest rates then applicable. This Promotion is subject to change and may be varied or withdrawn at any time.

²Until 5:00 pm AEDT 13 October 2023, Prime home loan option variable interest rates range from 6.29 - 8.59% p.a. (Comparison rates range 6.47-8.60 % p.a.³), Near Prime Clear home loan option variable interest rates range from 6.59 – 9.94% p.a. (Comparison rates range from 6.85-10.03% p.a.³), Near Prime home loan option variable interest rates range from 7.09-9.44% p.a. (Comparison rates range from 7.53-9.53 % p.a.³), and Specialist home loan option variable interest rates range from 8.09-11.94% p.a. (Comparison rates range from 8.38-12.09 % p.a.³ ). Promotion home loan variable interest rates are correct as at 7 August 2023, are subject to change and may be varied or withdrawn at any time. The actual interest rate applicable will depend on the individual borrower's circumstances.

³Comparison rate is calculated on a secured loan of $150,000 and a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian credit licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.