Customer stories
Hear from our real-life customers
We understand that everyone's situation is unique. Whether you’ve experienced an unexpected life event, started a business, or the banks have already turned you down, we have a range of options that could help make your home loan dreams become a reality.
Our customer stories showcase the real life situation behind the application – we’re delighted to introduce some of the customers we’ve helped succeed.
John
- John, a former Wests Tigers rugby league player, found himself with a substantial income at a young age. Determined to secure his financial future, he started investing.
- His primary goal was to create a financial safety net not only for himself but also for his family.
Dan
- Dan, after going through a divorce, faced the challenge of caring for his two young boys while searching for a new home.
- Despite his twenty-year loyalty to the bank, he encountered setbacks due to his financial situation.
- Pepper Money stepped in, offering understanding and a range of options, ultimately helping Dan get back on track and buy a new home.
Josef
- Josef and wife have always wanted to achieve home ownership since moving to Australia but encountered financial hardships.
- He found a property he liked and set his eyes on purchasing a new home for his young family.
- However, since his application was turned away by the bank, he had to find another option.
- Pepper Money worked with Josef to understand his individual situation, and work towards a solution.
Megan
- Megan just got out of a relationship which meant she had to sell the home she owned for a fresh start.
- She was looking for a sense of security, and prior to Pepper Money, the banks were turning her away.
- After buying her new home, she felt a sense of achievement, utmost gratitude, and a sense of relief.
Paula
- Paula made the exciting move interstate to Perth and wanted to buy a new home, rather than rent.
- She was turned away by major banks and was frustrated as she needed to find a place to live in.
- Pepper Money was introduced to her as an option, and we were able to help achieve her goal.
Marieke
- Marieke needed help to fulfill her dream of relocating into a new home in the countryside.
- Marieke thought that the existing bank she’s used for years would be able to help her out, but she was turned down.
- Pepper Money was able to consider Marieke’s situation and helped achieve her dream of owning a new home with her pup by her side.
Sara and Jason
- Sarah and Jason were looking for their dream house on the coast.
- They did not meet the banks lending criteria for self-employed people.
- Pepper Money was able to consider the full picture, and efficiently help Sarah and Jason purchase their new little blue cottage.
Steve and Kayla
- Kayla is a Nurse and Steve is paramedic; Steve has always wanted an EV car, so Kayla decided to surprise him with one for his 30th birthday.
- Steve is passionate about looking to be more sustainable for the future, and this was the perfect gift.
- Pepper Money helped with all the details before getting Steve involved, and the result was friendly and helpful service.
All applications are subject to credit criteria. Terms, conditions, fees, and charges apply. Outcomes will vary depending on individual circumstances.
Contributor | Sarah Pikardt, Chief Marketing Officer
Sarah joined Pepper Money in 2011 and was appointed Chief Marketing Officer in 2025. She leads the marketing function and strategic development of the brand in Australia and New Zealand, with a focus on improving customer experience. Read more.
Sign up to our newsletter
If you like this article, you'll love our Really helpful newsletter.
Personal information is collected, used, stored and disclosed in accordance with Pepper's Privacy Policy. I understand I can unsubscribe at any time.
What our customers think about us
Seamless Home Loan Process
I received a call within 24 hours of settlement to set-up loan and offset accounts. It was great customer service and product knowledge. Better service than the big 4. Simply outstanding!
Great lending criteria
We’ve used Pepper Money to get our foot in the door for both our family home and our investment properties. They have a very reasonable lending criteria and also friendly service.
Helped us get into a house when others couldn't!
All the staff at Pepper Money were polite and helpful. Considering my current financial situation, I was actually very pleased with the low interest rate. Plus, the flexibility to make extra repayments and redraw are helpful features. I’m so grateful to Pepper Money for keeping the whole lending process simple and helping me when the major banks wouldn't.
Most helpful mortgage company ever
These guys are great. Every time I call they’re helpful and easy to understand. I’ve had mortgages with many banks over the years and these guys are the easiest to deal with that I have ever come across. Thanks for making every call easy and not a scary, stressful experience like other companies have been in the past.
Always there when we needed them
We went with Pepper Money for our first loan 11 years ago and now have our second with them. They were good to us, always understood our needs, and helped us when Covid made it difficult for us. They are there to help if we ever need them.
Such an easy process
Their excellent team assisted us from start to finish. They work with you all the way through the process, making my home loan a reality! It was a very smooth process. I’m a repeat customer with Pepper Money and always enjoy their customer service.
