Customer Story - Josef

Here are experiences of our real-life customers

Life can throw up unexpected challenges that can make your dreams of buying a home feel unachievable.

Josef and his wife1 are a real life example. They wanted to buy a home after moving to Australia – but their financial situation meant that the banks said no. Then they came to talk to us. 


Looking to buy a home or refinance?

In less than five minutes, find out what indicative interest rate* you might be eligible for, without impacting your credit score.


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.

*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.


Our Product Reviews

Family celebrating in their new home

What our customers think about us


from 1,265 reviews

Great ongoing service

I have been a Home loan customer of Pepper Money for sometime now and one of the things I really like about Pepper is that over the last few years they have worked with me to keep my interest rate competitive. Great customer service!

Michael, Adelaide
Made life easy!

The entire relationship was perfect, the loan was sanctioned Just in time. Documentation was not fussy, and straightforward. Costs were as per the market standard, and though I was worried about the due date for settlement, the process was good and done prior to the deadline.

James, Melbourne
Home loan heaven

Every time I had to deal with Pepper Money was a pleasant experience. Nothing was too difficult and the people I spoke with were friendly, easy to deal with and professional.

Noeleen, Western Australia
When the struggle is lifted finally

We had had been refused and knocked back by our big 4 lender several times and even mortgage brokers were reluctant to help us. We never once said we were perfect and new we had some past credit issues but they shouldn't have held us back from reaching our financial goal.

Jarrod, Goulburn Valley
Best phone call I made all year

I called up to change my address and ask a couple of admin questions and ended up speaking to a mortgage specialist called Mile who was informed, to the point and exhibited exemplary customer service.

Lisa, Sydney
Fantastic to deal with made everything so easy

Extremely satisfied with all there help and service great customer service always keeping me informed with what was going on with loan process will be recommending to all family and friends.

Pino, Victoria
Thank you for giving me a chance to have a home for my kids

Excellent customer service. Very grateful to ge customer of pepper. Was given a chance of getting a house loan when other banks would not even look at you been a single mum.

Olena, Perth


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