Customer story - Megan
Here are experiences of our real-life customers
Getting a home loan approved with traditional lenders can mean you need to tick a lot of boxes, which sometimes isn’t possible.
As a single parent, Megan wanted security for her family by finding a place to call home. But her financial situation prompted banks to say no.
After careful consideration and a thorough assessment of Megan's finances, Pepper Money helped Megan and her family find stability and purchase their new home1.
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"Pepper Money made us feel important and that we do matter, everyone deserves an opportunity."
We got to know her situation in detail. We looked at her employment status and with the support of our flexible home loan options we found a way to make it work.
Megan: We just came out of the relationship and I had to sell the home we owned. I really needed to get security for my children. It became easy because Pepper Money gave me a loan. Prior to that, it was banks just turning me away.
Obviously, massive sense of achievement, a lot of gratitude, gratitude to the world, gratitude for Pepper, and a sense of relief. And you know, happy tears. So many happy tears.
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.
