Customer story - Josef
Here are experiences of our real-life customers
Life can throw unexpected challenges that can make your dreams of buying a home feel unachievable.
Josef and his wife are a real-life example. They wanted to buy a home after moving to Australia – but their financial situation led to the banks saying no to their home loan application. That’s when they came to talk to us.
With determination and support, Josef and his family found a property, and their dream of buying a home became a reality1.
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"Pepper Money, I feel like they shared their concern and experience, and then they made things happen. There’s more flexibility and consideration."
We got to know their situation in detail and the people behind the application. We looked beyond just credit scores and with the support of our flexible home loan options we found a way to make it work.
Josef: We've always wanted to have our own home ever since we moved into Australia. But we encountered financial hardships and then we found this really good property, exactly the place that we want.
You know, the big banks they won't even look at my application. Pepper Money was very helpful. They made things happen. Before I knew it, we were settling.
We made it through the help of Pepper Money so I'm ecstatic.
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.
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.
