Pepper Loan – A Review of Australia’s Largest Specialist Lender

pepper Loan has become Australia’s largest specialist lender both through mortgage brokers and as a wholesale funder for non-bank lenders. During the GFC they went on an international spending spree buying up a number of Australian and foreign banks’ commercial and personal loan books at a discount to their book value.

They offer a variety of home loans and car loans and have a focus on providing flexible lending options for those with less conventional credit histories or unique financial situations. They also tend to be more competitive on their interest rates compared to other specialists.

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One of the things that Pepper offers is a second-charge mortgage on their homeowner loans, which is secured against an existing home (your first charge mortgage remains in place). This could be helpful for those looking to consolidate debt into fewer monthly repayments or who need a longer repayment term than the standard 30 years.

However, it is important to note that a higher interest rate may apply for this product. Also, Pepper charges a fee of $474 when you switch to a variable rate mid-term and they also have an ongoing fee of $8.90. Other fees like dishonoured payment and late payment fees also apply.

Pepper also allows penalty-free overpayments on their home loans, which can help borrowers lower their interest rates or shorten the term of their loan. It’s worth checking their terms and conditions though as some lenders have caps on overpayments.

Latest Properties For Sale in Gozo

Gozo is Malta’s sister island, but it seems like a world apart. With its quaint villages and UNESCO-listed temples, the island is a reminder of humanity’s long and fascinating history.

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The island’s rich heritage and natural beauty have a magical quality that has kept the island from changing much in hundreds of years, and its residents are very protective of its character. Its capital, Victoria, has a medieval feel that is hard to find anywhere else in the Mediterranean, with its narrow streets and stone buildings, many of which have been converted into restaurants and shops.

But the most stunning attraction of latest properties for sale in gozo and the fact that it’s a peaceful oasis away from the crowds. One of the most popular spots on the island is Ramla Bay, a breathtaking stop with red sand and crystal clear water that has become a favorite for locals and tourists alike.

While a lot of the new construction on the island is luxury apartment complexes, there are still traditional farmhouses and houses of character that attract investors. Buyers who plan to rent their property out short-term to visitors often choose to live near hotspots such as the capital, Victoria, or popular resort towns and village like Marsalforn, Xlendi, Qala, and Mgarr. They are also more likely to choose properties close to public transport routes, beaches, and restaurants, as these are the areas most visited by tourists.