Customer story - Paula
Here are experiences of our real-life customers
When Paula1 relocated to Perth, she was determined to buy a new home instead of renting.
However, her existing situation led the banks to reject her home loan application. That's when a mortgage broker who understood Paula's situation introduced her to Pepper Money.
Paula’s story reminds us that sometimes, the path to homeownership isn’t straight forward. It takes the right financial partner, like Pepper Money to navigate the current housing market.
Looking to buy a home or refinance?
I have no problems in recommending Pepper Money to anyone. The fact that the people are wanting to help you, makes it a better experience.
After assessing Paula’s circumstances in detail, we were able to help make her new home dream real.
Paula: When we came to Perth, we wanted to buy a house to live in so we didn't rent.
We went through the application process, got knocked back by the major banks. We couldn't get financed. Really frustrating and annoying because we had to live somewhere. So we went through a mortgage broker and the broker came to us with
Pepper Money. So that was how we came to Pepper.
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.
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.
