Use this calculator to calculate the LPF applicable.
No LPF: Your Prime Time Flex
Please speak to your Pepper Money BDM if you have any questions or would like further details.
These calculators are to be used as a guide only and are not a suggestion or recommendation of any particular loan product. They do not reflect comparison interest rates or true interest rates and are based on the assumption that interest rates will remain constant for the terms of the scenarios you have entered. The formula used for the purpose of calculating monthly repayments is based on daily compounded interest. Loan timeframes and total repayment amounts are calculated through principal and interest servicing. The results of these calculators do not take into account loan setup or establishment fees nor government, statutory or lenders fees, which may be applicable from time to time. The actual interest rate will depend on the borrower's circumstances and the information verified during the loan application assessment.
Try our other helpful calculators
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Servicing calculator
Important Information
Information is correct as at 21 August 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.
*Before using Pepper 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. The actual interest rate and fees will depend on the borrower’s circumstances and the information verified during the loan application assessment.
1Promotion applies to new Prime Home Loan (Full Doc) residential purchase applications in Cat 1 & 2 locations up to 80% LVR for loan amounts up to $2.5M, and 80%-90% LVR for loan amounts up to $1.5M. If the property type is a unit, then it must be ≥ 40SQM. Applications must be submitted and conditionally approved between 12:00am AEST 1 April 2025 and 11:59pm AEDT 12 November 2026 (Promotion Period).
Applications lodged after the Promotion period will be offered the application interest rate, fees and credit policy then applicable. Promotions are subject to change and may be varied or withdrawn at any time.
