Customer story – Jodie
Here are experiences of our real-life customers
Looking for a way forward, Jodie turned to Pepper Money for flexible home loan options.
Life can change quickly, and for Jodie, a series of personal losses left her facing overwhelming debt. When her broker suggested bankruptcy, Jodie knew this option wasn't right for her, as her home was her future.
Jodie reached out to Pepper Money for support. We listened, understood her situation, and worked together to find a flexible home loan solution1. By working together, we found a solution that helped her regain control and start enjoying life again.
Looking to buy a home or refinance?
"Pepper Money gave me really helpful loan options. I’ve got my life back."
We know that behind every application is a real person with a unique story. That’s why we look beyond the numbers, offering flexible home loan options and real support when it matters most.
Within two years, I lost my father, my dog, my husband left, and I lost my son. I was completely lost and drowning in debt.
At first, the broker suggested bankruptcy, but I couldn’t do that- this was my home, my retirement. I was paying nearly 90% of my wage just on debt, not even basic bills like electricity. By Christmas last year, I was maxed out and thought, “I can’t do this anymore.”
That’s when I found Pepper Money. They talked me through everything, listened, and gave me options. The weight that lifted off my shoulders was incredible. Suddenly, I could live again. I’m having fun for the first time in 15 years- I feel like a teenager.
I’ve got my life back, thanks to Pepper Money and their really helpful loan options.
If the bank says no, give it the Pepper Money non-bank test
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1All applications are subject to credit criteria. Terms, conditions, fees, and charges apply. Outcomes will vary depending on individual circumstances.
Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser. Terms, conditions, fees and charges apply.
*An indicative interest rate and estimated repayments is not a formal approval for a loan and financial commitments must not be entered into based on it. It is not a suggestion or recommendation of any particular loan product. It is a guide only based on the limited information provided and the credit score obtained. The actual interest rate and fees will depend on the borrower’s circumstances and the information verified during the loan application assessment.
© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian Credit Licence 286655 (“Pepper”). Pepper is the servicer of home loans
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.
Read more customer stories
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.
