Agents discuss Pepper Money loan servicing capabilities
Agents discuss Pepper Money loan servicing capabilities

Third-Party Servicing

We’re dedicated to helping your business succeed.

We look after the back end, so you can focus on growing your business and meeting the needs of your customers and clients.

Our proprietary servicing platform, combined with our comprehensive risk management framework provide the foundations for you to grow your business and engage with customers more efficiently. We’ll work together with you to understand your business, the needs of your customers, and tailor a solution that truly provides a win-win outcome.

Our platforms are designed to be customer-centric and have all the latest features your customers would expect – from a beautiful modern loan portal, through to easy debit card access.

We apply our lenders’ mind-set to loan servicing; allowing us to deliver strong customer management and collection outcomes. We provide robust insights, strategies and regular reporting on your portfolio.

Pepper Money has over 21 years of experience

Our Experience

We’ve got over 21 years of lending and servicing experience and have maintained a Standard & Poor’s “STRONG” rating as a residential loan servicer since January 2012.

What’s more, we’re listed on the Australian Securities Exchange and part of a global group, grounded in our ethos of helping customers succeed.

Pepper Money has customer-centric approach


Customer-centric and client-focussed, we put proven processes to work. We understand your business drivers and the needs of your customers.
Pepper Money uses modern technology stack


A modern tech stack with rich analytics and customer insights provides industry-leading originations, servicing, reporting and CRM capability.

We can service your

Residential mortgages


Secured and Unsecured consumer loans

Secured and Unsecured
Consumer Loans

Commercial Real Estate (CRE) loans

Commercial Real Estate (CRE) Loans

Auto and Equipment leases

Auto and Equipment


We can support you with full end-to-end servicing


  • Application Processing
  • Credit Review
  • Credit Approval

Transactional Service

  • Back-up Servicing
  • Custody
  • Trust Management


  • Security Documentation
  • Non-legal conditions
  • Certification
  • Instructions
  • Legal conditions
  • Settlement


  • Arrears Management
  • Transaction Processing
  • Variations
  • Special Servicing
  • Broker back book management
  • Complaints Management
  • Account Administration
  • Finance Processing
  • Collections
  • Reporting and Analytics
  • Customer Service
  • Hardship
Low doc home loan trio

PSO Manila

Operating in the Philippines since 2013, Pepper Servicing Operations (PSO) Manila serves as a shared service facility for Australian and New Zealand residential and consumer lending operations offering diverse originations and bespoke solutions to Pepper and other clients.

The team, which started with 40 staff members, has now grown to several hundred employees.


Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.