Pepper Money Home Loans

New customer but so far so good. Staff understand what I need and answer queries on subjects I'm not familiar with. Great customer service. The rate for this loan is about on par with other lenders in the same tier but I think Pepper Money is easier to communicate with. Show reply

Disappointing Post-Settlement Experience – Poor System Integration & Support "We recently refinanced multi-property home loans through Pepper Money, expecting a professional non-bank lending experience. While the pre-settlement approval process was reasonable, the post-settlement customer support and onboarding systems have been completely… Read more

unacceptable.

Immediately following settlement, we encountered systemic issues setting up basic online account access. Access credentials and access links failed to function, leaving us with zero visibility over our accounts, balances, or sub-account features. Despite filling out and returning required paperwork (including Business Access Nomination forms) and contacting customer support multiple times, the resolution process has been agonizingly slow and repetitive.

When managing trust-held investment properties, instant portal access and transparent financial management are non-negotiable. Being left completely in the dark after loan settlement while jumping through endless administrative hoops shows a major gap between Pepper’s sales front and their post-settlement operations.

If you are refinancing complex multi-property or trust portfolios, be prepared for severe administrative friction and poor post-settlement portal access."

I had a simple question about a payout figure but the service was great because they anticipated my needs. Show reply

An absolutely atrocious experience over the past five years—hands down the worst financial decision I’ve ever made. I would rather live under a bridge than have a mortgage with Pepper. This is my third review. Their service has not improved. If anything its worse. I took out my mortgage with Pepper five years ago and have been disappointed at… Read more

every turn. During the 2022 rate cycle, they increased rates well above the RBA’s rises. I’ve clawed some of it back through repeated rate reviews, but they remain an extremely expensive lender with terrible IT, unusable internet interface and a smugness which is second to none.

I called again today for a rate review—my rate is still about 0.7% above market for comparable loans. They offered nothing. Instead, I was told (in a dismissive tone) “we don’t compete with banks,” followed by several minutes of arguing that my LVR was higher than it actually is—despite being given the correct calculation. This was their RETENTION team.

Shocking.

My Experience with Pepper Money – A Game Changer for Property Investment After being turned away by multiple banks, I had almost given up on my dream of purchasing an investment property. Every major lender reviewed my application and said no — leaving me frustrated and without options. That all changed when I found Pepper Money. From the very… Read more ·  1

first interaction, the team at Pepper Money took the time to truly understand my situation rather than simply running it through a rigid checklist. Where others saw obstacles, they saw possibility. Their approach was personalised, professional, and refreshingly human. Thanks to Pepper Money, I was successfully funded and was able to purchase my investment property — a milestone I genuinely did not think was achievable after so many rejections. They didn't just provide a loan; they provided an opportunity that has the potential to change my financial future. If you have been knocked back by the big banks and feel like you have run out of options, I cannot recommend Pepper Money highly enough. They are proof that there are lenders out there who are willing to look beyond the surface and back people with real potential. Thank you, Pepper Money. You made the impossible possible.

If bank says no, Pepper money is here to help. You guy did it, what you said

I had reservations about using them as I used to refer business as a car dealer for retail clients wanting car finance to Pepper many years ago,and there were instances where I felt they were not decent based on my interactions with them. Things have definitely changed as they have been great to deal with post home loan settlement and reasonable.… Read more ·  1

Borrowed a substantial amount, Interest rates a bit higher (But Fair) but then again if you’re not a full doc conforming customer they are absolutely the best of a bad bunch if I may put it that way. I looked at the others. They provided an opportunity where the banks were too rigid. Would use them again (only if I had to) due to a higher rate but based on insider information given by people in the industry they strongly recommended against many other non prime lenders and there aren’t many. They tend to screw you post settlement as rates go down, but Pepper hasn’t. Never thought I wouldn’t refinance elsewhere 12 months after settlement, but have to say happy to stay on. Highly recommend Pepper if circumstances mean you can’t or don’t wish to go to one of the big 4 banks. Gotta give them credit when it’s due. My experience only DYOR.

Peppermoney was the only finance company who I felt wasn't out just for my money and truly wanted to help me in my situation giving me the lowest interest rate and best way for me moving forward financially to pay my previous debt with Suncorp that I struggled to pay off. I have now fully paid off my debt and am now finally feeling like my life is mine again. Show reply

I had a great experience with Pepper Money when applying for my car loan. The application process was straightforward, and the team was friendly, professional, and kept me informed every step of the way. What stood out most was their willingness to understand my individual circumstances rather than taking a one-size-fits-all approach. The loan… Read more ·  1

process was smooth, communication was clear, and I felt supported throughout.

Overall, I'm very happy with the service I received and would happily recommend Pepper Money to anyone looking for a car loan. The experience was simple, efficient, and gave me confidence that I was dealing with a lender that genuinely cares about its customers.

I highly recommend Pepper Money. They have genuinely helped me feel in control of my borrowing. For me, feeling in control means knowing exactly what I owe, being able to make my repayments comfortably each month, and having a clear plan to pay off my debt without it affecting my day-to-day finances or causing unnecessary stress. Pepper Money… Read more ·  1

has made this possible by providing a solution that suits my financial situation and giving me confidence in managing my repayments. The process was straightforward, and I feel much more secure about achieving my financial goals.

Thank you, Pepper Money, for helping me take control of my finances.

Pepper home loans are con artists, called them in December to let them know the situation on my repayments, and today I got a server for court documents through there solicitor. This is ridiculous and I highly would not recommend this company, adding more stress to my situation. They new that I cannot have stress due to some health issues, thanks… Read more

alot Pepper home loans. The letter was sent out on the 2nd of January 2026. This is just ridiculous, and on top of this the amount outstanding on the total loan that was issued by there solicitor is showing 10 times more adding more stress, the loan amount is only around $140,000 not $1,406,025.81 just ridiculous Pepper home loans.

I thought pepper was looking after my ex and I when we for a loan. Everything was so easy to get in to but now I’m a single mum and I’m left with the debt and no means to get my own way to support my kids. I’ve applied for hardship but it depends on my situation getting better and that’s not going to happen while I can’t get finance. I’m stuck and… Read more

I feel they don’t understand vulnerable customers and the real life situations they claim to be helping people with!

I Am so happy with Pepper Money. I literally was a bundle of nerves applying for my home loan, but with Pepper Money it was made so easy. They were so professional, human and respectful from the beginning to the present. Being a single woman… Read more ·  1

navigating her first home loan, I felt so overwhelmed at times, but anytime I was stressed or had questions, it was simply a phone call to Pepper, and I was always answered and addressed with respect. I not only recommend them…I can honestly say, So Thankful for them.!

Today I found Lisa to be extremely understanding towards my financial situation and helped me to the best she could. She was very polite and I appreciated her understanding. Thank You Lisa very much for your help. Show reply

Hi, Went through a broker in Dubbo, was during my 4yr settlement for an extremely difficult seperation. I needed someone to see my potential even though the royal commission was making things difficult for lenders. I had mutiple properties with tenants lots to consider & was givin everything needed to keep them all & now i have paid of 3 loans &… Read more ·  1

retired from work & living off rental income without there finance i would have been either working or on benfits for the rest of my life, now i have a 6figure passive income. I owe them for making my future finicial success possible.

Thanks Pepper Money.

Pepper money has helped me where other lenders couldn't or wouldn't. They have the best interest rates and access to the loan is by far the easiest I have had with any lender. Try them now. You won't be disappointed. Show reply

Just finalised a car loan with Pepper. Always have had a positive experience with their customer care team, who have always resolved any issues raised. Be aware that there is a 6 day wait to clear the title of car after final payment. But otherwise never had any concerns with the product. Show reply

Everything went smoothly and easy, customer service is very helpful and respectful, it's always a relief everytime I called them about an issue or a financial hardships, they always helps thanks again Show reply

Only compliant I have are that I can’t alter my repayments online and there’s no schedule where I can see my loan and monthly repayments - this would enable me to see when I will pay off my loan Show 2 replies

pepper Money Loans have been extremely easy to deal with, up to date emails, easy access to all accounts, and quick and easy customer care via phone call, always helping with any help ive needed or any concerns ive had Show 2 replies

Found all staff members I have dealt extremely knowledgeable about the terms and condition of the company, also can help you with any questions you may have without being placed on hold then transfer to another operator, would give a higher rateing if I was able to Show reply

Great customer experience they helped me when no other financial service would and especially in my tough times I recommend anyone to call them if you are struggling . They dont judge, they help . Show reply

Pepper Money is great when I went for the Loan for my caravan. They were pretty quick to give a response. I gave me a great repayment option. Thanks Pepper Money. Show reply

Pepper money has helped us for our home loan and we’re very helpful right through the process. If you are looking for a a home loan or any other loan I highly recommend Pepper money as they are very friendly and very helpful with every question you need answered. Show reply

Straightforward loan, easily understood statements (yes some banks can actually make this simple thing difficult to follow!), and best of all- they actually pass on interest cuts in full straight away (unlike my experiences with Bankwest & ANZ) Show reply