Home loan rates › Mortgage Choice Ignite
Near Prime Non-standard regulated consumer loan (CRE Loan) - Near Prime Full Doc
Mortgage Choice Ignite
CDR officialNot ranked in rate tables
Our variable rate home loan options give you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for a 100% interest offset sub-account.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 50% or less | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 50%–60% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 60%–65% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 65%–70% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 70%–75% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 75%–80% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 50% or less | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 50%–60% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 60%–65% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65%–70% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 70%–75% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 75%–80% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 50% or less | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 50%–60% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 60%–65% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 65%–70% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 70%–75% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 75%–80% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 50% or less | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 50%–60% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 60%–65% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 65%–70% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 70%–75% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 75%–80% | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
*Comparison rates are calculated on a $150,000 secured loan over 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.moc.openbanking.prod.peppermoney.com.au/cds-au/v1/banking/products/MOC06031- Content hash
sha256 068be271cadf0fb96101f3bda8c6b02b528b0ff1390508e6a063a44619610a39- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_068be271cadf0fb9_3e0e4059Show details
- Checked
- 1 Nov 2026
- URL
https://api.moc.openbanking.prod.peppermoney.com.au/cds-au/v1/banking/products/MOC06031- Content hash
sha256 068be271cadf0fb96101f3bda8c6b02b528b0ff1390508e6a063a44619610a39- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Near Prime Establishment Fee | Upfront | 1.25% |
| Near Prime Admin Fee | Periodic | $25.00 |
| Legal Fee | Upfront | $825.00 |
| Legal Disbursements | Upfront | Set in your letter of offer |
| Discharge Fee | Exit | $500.00 |
| Valuation Fee | Upfront | Set in your letter of offer |
| Early Repayment Fee | Event | 2.00% |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | 100% Interest Offset sub-account. Manage loan interest charged with an Offset sub-account. | |
| Redraw | Redraw Facility (minimum redraw amounts apply). Make additional repayments and redraw at any time. | |
| Extra repayments | Additional repayments. Make extra repayments at any time, subject to terms and conditions. | |
| Other | Flexible Loan Terms. 1-30 year loan terms are available. | |
| Digital banking | Provides borrowers online access to view and manage loan accounts. | |
| Other | Repayment option - choose between variable and interest only (max 5 years) repayments. | |
| Eligibility: min age | 18 | Individual borrower must be 18 years + to enter into a contract. |
| Eligibility: residency status | Only available to Australian Citizens or Permanent Residents. | |
| Eligibility: other | All applications are subject to credit assessment and eligibility criteria. | |
| Eligibility: natural person | Suitable for various borrower types including individuals. | |
| Eligibility: business | Suitable for Sole Traders, Companies and other business borrowers. | |
| Limit: min limit | 200000.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 75%–80% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 75%–80% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 70%–75% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 65%–70% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 50% or less | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 50%–60% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 70%–75% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 50%–60% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65%–70% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 50% or less | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 65%–70% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 60%–65% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 60%–65% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65%–70% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 75%–80% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 75%–80% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 70%–75% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 60%–65% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 60%–65% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 70%–75% | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | Comparison rate not published | |
*Comparison rates are calculated on a $150,000 secured loan over 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. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
risk:specialist | Specialist lending | Left out of the standard home loan table; separate switch |
comparison-rate-missing | Reason this product is not ranked | |
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