Lender review

Pepper Money

LoanCaddie Opinion

Pepper scores very highly in terms of customer service and satisfaction if you are a good customer. They are one of the few lenders that address complaints on online forums. Borrowers should understand that some of the funds that Pepper lends is 'real' money belonging to their investor clients. Hence, you can expect a degree of assertiveness from Pepper if your account as they are less forgiving as banks if your home loan goes into arrears.

Facts and lender background

Pepper Money was established in 2000. In 2011, it acquired GE Capital's home lending business in Australia. It was publicly listed in 2015 and subsequently taken private in 2017 by KKR.


Pepper Money is a global leader in alternative lending and has assets under management in excess of $69 billion

Credit Rating


Pepper Money is majority owned by private equity group KKR.


Pepper gets its funding from some of the big banks including Commonwealth Bank and NAB. Pepper also gets funds from our securitisation programme.

Customer service
Product Review Rating

average is 2.1 / 5

Branch network

Internet banking

Internet banking is available.