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Pepper Money

Pepper Money Limited is an non-bank specializing in residential mortgages, personal loans, car loans, and asset finance, with a focus on serving underserved customer segments such as first-time homebuyers, those with non-standard income, and individuals previously declined by major banks. Founded in 2000 as part of the Pepper Group, the company was established to provide accessible lending options to facing barriers in traditional markets, and it has since grown to become one of the largest non-bank lenders in and New Zealand, having assisted over 570,000 customers in securing loans. Pepper Money operates through three main segments—mortgages, asset , and loan servicing—funding its activities via debt capital markets rather than customer deposits, which allows flexibility in product offerings like energy-efficient home loans and clean transportation financing. In November 2025, Pepper Money agreed to acquire Westpac's $21.4 billion home loan portfolio as part of a with , doubling its . Listed on the Australian Securities Exchange (ASX: ) in May 2021, it is majority-owned (60.53%) by Pepper Group ANZ Holdco Limited, an entity within the broader Global network backed by private equity firm , enabling independent management while benefiting from global expertise. The broader Pepper Group maintains an international footprint, with operations in markets including the , , (via Pepper Savings Bank), and , and emphasizing community initiatives, environmental sustainability, and high servicer ratings from .

History

Founding and early development

Pepper Money was established in 2000 in , , as a non-bank lender aimed at serving customers overlooked by traditional banking institutions. Founded by Mike Culhane, the company sought to address gaps in the Australian lending market by providing accessible financing options to individuals facing barriers such as non-standard income or credit histories. This approach positioned Pepper Money as an innovative player in the non-conforming lending space, emphasizing flexibility and customer-centric solutions from its inception. The company's initial mission centered on residential home loans tailored for "everyday Aussies," enabling homeownership for those unable to secure funding through major banks. By focusing on inclusive lending practices, Pepper Money differentiated itself by evaluating applications holistically rather than adhering strictly to conventional criteria, thereby supporting underserved segments of the population. In its early years, this strategy laid the groundwork for sustainable growth, with the firm originating loans that reflected a commitment to real-life financial circumstances over rigid eligibility standards. Over the subsequent decades, these foundational principles contributed to significant scale, culminating in Pepper Money originating loans for over 570,000 customers across by 2025. This milestone underscores the enduring impact of its early inclusive model, which helped hundreds of thousands achieve key financial goals like homeownership while maintaining a focus on ethical and responsible lending.

Expansion and key partnerships

In 2006, Pepper Money was acquired by Merrill Lynch through its debt capital markets division as part of a broader purchase of the Oakwood Global Finance group, providing the company with significant capital and operational expertise to scale its non-conforming lending in . This partnership enabled Pepper to enhance its loan origination and servicing capabilities, leveraging Merrill Lynch's global financial resources to support growth during a period of expanding demand for specialist lending products. Following the and Merrill Lynch's acquisition by , Pepper's management, backed by investors, repurchased the company in 2011, marking its independence and paving the way for strategic diversification. In the same year, Pepper acquired GE Capital's A$5 billion home lending portfolio in and , which more than doubled its loan book overnight and integrated advanced servicing infrastructure to bolster . This move, combined with the buyback, facilitated entry into new segments, including the acquisition of an A$150 million loan book in 2012 and the launch of an asset finance business in 2014, broadening Pepper's offerings beyond residential mortgages to include personal and loans. Pepper's international expansion accelerated in the mid-2010s, with its entry into the market in 2015 as a non-bank lender focused on residential and buy-to-let mortgages for underserved borrowers. This move established Pepper Money as a key growth pillar, utilizing the group's expertise and funding platforms to originate loans in a competitive European landscape, while aligning with its founding mission to serve non-prime customers.

Recent milestones and listing

In 2017, Pepper Group, the parent entity of Pepper Money, was acquired by an affiliate of , a investment firm, for A$675.9 million, marking a significant shift toward private equity-backed expansion and deeper integration within the broader Pepper Group structure that operates across multiple countries. This transaction provided substantial capital to fuel growth in non-bank lending, enabling Pepper Money to scale its residential and asset portfolios while leveraging 's resources for operational enhancements. Following a corporate restructure completed in March 2021, Pepper Money listed on the Australian Securities Exchange (ASX) on May 25, 2021, raising A$500.1 million through an and achieving an initial of approximately A$1.3 billion. The listing positioned Pepper Money as a publicly traded entity focused on diversified funding sources, including , to support its lending activities in and . A key aspect of its post-listing strategy has been reliance on for , exemplified by the completion of seven public securitisation transactions in 2023 that raised a total of A$5.4 billion, including the Pepper Prime 2023-1 issuance. This approach has bolstered Pepper Money's liquidity and enabled sustained portfolio growth amid competitive lending markets. In late 2023, Pepper Money acquired HSBC's mortgage portfolio for NZ$1.2 billion, expanding its presence in the prime residential lending segment and adding over 4,000 loans to its balance sheet. This acquisition, completed in December 2023 following regulatory approvals, underscored Pepper Money's strategy of opportunistic portfolio purchases to enhance scale in key markets. Pepper Money marked its 25th anniversary in September 2025, reflecting on its evolution from a niche non-bank lender to a major player that has facilitated over A$69 billion in loans across and since 2000. The milestone celebration highlighted the company's role in serving more than 570,000 customers through inclusive lending solutions, solidifying its position in the non-bank sector.

Business operations

Products and services

Pepper Money offers a range of residential products designed to serve non-traditional borrowers, including those with complex financial situations or credit histories that may not qualify for mainstream bank lending. These include loans for the purchase, refinance, or of residential properties, with options extending to up to two dwellings to accommodate needs. The company's mortgage portfolio emphasizes flexibility, such as variable-rate options starting from 5.89% p.a. and fixed-rate options starting from 5.79% p.a. (as of October 2025), and rapid approval processes often within two business days for eligible applicants. In 2023, Pepper Money launched specialist self-managed super fund (SMSF) loans, enabling superannuation funds to leverage investments in residential properties under compliant structures. These SMSF products support full documentation for loans up to $3 million, with maximum loan-to-value ratios of 90% and terms extending to 30 years, including interest-only periods of up to five years without additional loadings. Tailored for corporate trustees of ATO-compliant SMSFs with at least $150,000 in assets, these loans incorporate features like redraw facilities for and acceptance of rental income in assessments. Beyond mortgages, Pepper Money provides non-mortgage lending options such as car loans, loans, and commercial loans, particularly suited for es and individuals rejected by traditional banks. Car loans range from $5,000 to $150,000 over 1-7 years at fixed rates, with zero-deposit options and payments for flexibility in asset acquisition, including electric vehicles. loans, available secured or unsecured from $5,000 to $100,000 over 18-84 months, are fee-free for new applications and support purposes like or home improvements, with personalized rates assessed without initial impacts. Commercial loans cater to needs through property financing and asset finance for equipment like machinery or vehicles, offering terms up to 30 years, cash-out facilities, and lenient criteria based on two years of registration rather than strict banking standards. Pepper Money's funding model relies on of its portfolios and non-bank sources, such as institutional , to support competitive interest rates and expedited approvals for underserved segments including those with adverse histories. This approach involves issuing residential mortgage-backed securities (RMBS), like the A$750 million PRS39 transaction in 2024, which pools prime and non-conforming mortgages to attract investors and optimize liquidity. By diversifying away from deposit-based funding, the company targets borrowers overlooked by banks, enabling manual that considers broader financial circumstances over automated scoring.

Geographic presence and subsidiaries

Pepper Money's primary operations are centered in , where it is headquartered at Level 27, 177 Pacific Highway, . As one of 's largest non-bank lenders, the company conducts nationwide and servicing for , car, and commercial products, leveraging a network that supports customers across the country. This Australian base forms the core of its lending activities, with funding sourced through debt capital markets to facilitate scalable operations. In October 2025, Pepper Money entered talks to acquire Westpac's mortgage broking portfolio, potentially expanding its broking services in . In the United Kingdom, Pepper Money operates through its subsidiary, which launched lending activities in 2015 and introduced the Pepper Money brand in 2016. The UK entity specializes in residential and buy-to-let mortgages, targeting customers underserved by traditional banks, and maintains offices in London (1st Floor, 42 Berners Street, W1T 3ND), Cardiff (4 Capital Quarter, Tyndall Street, CF10 4BZ), and Manchester (4th Floor, Arkwright House, Parsonage Gardens, M3 2LF). To support these operations, it utilizes an overseas processing office in Manila, Philippines, which handles shared services for customer servicing and administrative functions across its international footprint, including the UK. This subsidiary, originally trading as UK Mortgage Lending Ltd and incorporating the acquired Optimum Credit business in 2022, contributes to the group's global presence under the broader Pepper Group structure. Pepper Money expanded its presence in New Zealand through the acquisition of HSBC's prime residential mortgage portfolio, agreed upon in September 2023 for approximately NZ$1.4 billion and completed on December 1, 2023, at a value of around NZ$1.1 billion. This transaction integrated the portfolio into Pepper Money's existing local servicing operations, which have been active since following the acquisition of Capital's home lending business. The company now operates as a major non-bank lender in , with an office at Level 3, 10/666 Great South Road, , focusing on residential mortgage origination and servicing to meet regional demand. This move strengthened its operations, aligning with local regulatory requirements while building on its Australian expertise.

Ownership and governance

Ownership structure

Pepper Money Limited is majority owned by Pepper Group ANZ Holdco Limited, which holds 60.59% of the company's shares as of January 2025. This holding company is a wholly-owned of Pepper Global Topco Limited, through which and its affiliates maintain control with approximately 66.5% ownership of Topco. The remaining equity, approximately 39.41%, is publicly traded and held by a mix of institutional investors—such as with an 11.33% stake—and retail shareholders. The company transitioned to its current hybrid public-private ownership structure following its on the Australian Securities Exchange (ASX: PPM) in May 2021, which raised capital for growth initiatives while retaining significant influence. Prior to KKR's 2017 acquisition of the Group for A$675.9 million, the entity operated under full private ownership, a shift that enabled subsequent expansions including the agreement to acquire Westpac's in with in 2025. This structure supports strategic flexibility, allowing Money to leverage resources alongside market access for funding non-bank lending operations.

Leadership and corporate governance

Mario Rehayem serves as the of Pepper Money, having been appointed to the role on 2 May 2018 after joining the company in 2011 and previously holding positions such as Managing Director of Mortgages and Personal Loans. Under his leadership, Pepper Money has advanced innovations in non-bank lending, including tailored solutions for customers with complex financial needs, while overseeing key initiatives tied to the company's 25th anniversary celebrations in 2025, which highlighted its growth and commitment to inclusive lending. Rehayem's strategic oversight has also positioned the company to expand its portfolio through partnerships, such as the agreement to acquire Westpac's home loan portfolio in consortium with in 2025. Following its listing on the Australian Securities (ASX) in May 2021, Pepper Money's board comprises one —the CEO—and six non-executive directors, with a majority being to ensure robust oversight. directors, including Akiko Jackson (appointed in May 2024) and members such as Justine Turnbull and , play a critical role in , particularly in securitized lending operations where they monitor credit, liquidity, and operational risks through dedicated committees. The board's Audit and Committee, chaired by an independent non-executive director, enforces compliance with (APRA) standards, as Pepper Money operates as an APRA-registered financial corporation. Pepper Money's framework emphasizes ethical lending practices, integrating responsible credit assessment to support underserved borrowers while mitigating misconduct risks, as outlined in its Whistleblower Policy and Risk Management Policy. The company promotes diversity in leadership through its Diversity and Inclusion Policy, aiming for gender balance on the board and executive team, with competencies including to guide decision-making. integration is a core governance pillar, with the board overseeing initiatives like financial programs for employees and customers, including partnerships for education targeted at professional athletes and broader community outreach to enhance .

Sponsorship and community engagement

Sports sponsorships

Pepper Money has utilized sports sponsorships as a key strategy for branding and community outreach, particularly in . A significant prior partnership was with the in the (AFL), established in 2015 as a principal sponsorship. This eight-year collaboration, which concluded in October 2023, focused on fan engagement through initiatives like the Real Life Fund for community support and programs, while enhancing the company's visibility across Australian sports audiences. In a shift to rugby league, Pepper Money secured a major sponsorship with the NRL club in November 2024, effective from the 2025 season for three years. Described as the club's largest deal to date, it features prominent branding and includes workshops delivered to players to build long-term financial resilience beyond their careers. These sponsorships have been integrated into targeted marketing campaigns, such as the 2025 "Really Helpful Loan Options" initiative, which collaborates with players and events to promote accessible lending products to underserved demographics, emphasizing practical financial solutions.

Community initiatives

Pepper Money has demonstrated a long-term commitment to community initiatives since its founding in 2000, spanning over 25 years of supporting social necessities such as , , , , , and living standards, with a focus on aiding underserved populations including low-income borrowers through partnerships with nonprofits. A key example is its ongoing collaboration with StreetSmart , which addresses by funding emergency relief efforts like providing clothing, hygiene kits, medical outreach, and ; housing pathways including furniture and moving cost assistance; and tenancy success programs offering training and to promote stable living. These initiatives align with Pepper Money's mission to foster , having assisted over 570,000 customers in achieving financial goals through accessible lending solutions. In the realm of financial literacy, Pepper Money conducts targeted workshops to empower individuals with practical money management skills, particularly emphasizing long-term resilience. A notable program in 2025 involved partnering with the rugby league club to deliver the "Mastering Money On and Off the Field" workshop for professional NRL and NRLW athletes, covering topics such as budgeting, saving 10% of income, investing, , superannuation, and avoiding lifestyle inflation, with sessions held at the club's Centre of Excellence and receiving from participants on for post-sport careers. For the general public, Pepper Money provides online resources on management and financial wellbeing, including guides on navigating life events like separation, budgeting after hardship, and accessing for repayments to build financial confidence. Pepper Money's community efforts have earned recognition for their inclusive lending practices, including the MFAA Specialty Lender of the Year award in 2025—marking an eighth consecutive win—for delivering consistent, flexible credit solutions to diverse borrowers, as well as Best Non-Bank of the Year at the 2024 Australian Mortgage Awards. These accolades underscore the company's sustained impact on closing gaps in financial access and supporting community stability.

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