Customer story – Ryder
Here are experiences of our real-life customers
After years away from the property market, Ryder approached buying a home with confidence1, thanks to the right support.
Buying a home can feel overwhelming, especially when life is busy and it’s been a while since your last move. For Ryder and his wife, the search was stressful and unfamiliar.
Pepper Money made the home loan process clear and straightforward. We took the time to understand their needs and offered support every step of the way.
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"We genuinely felt like they were at our call, so when we needed them, they were there."
Thanks to Pepper Money’s guidance, Ryder and his wife discovered the home-buying process was far simpler than they imagined. The clarity and support gave them the confidence to take the next step and turn their next dream home into reality.
When we were looking to buy a home, there were so many moving parts to juggle, and both of us were working full-time, which made the process quite stressful. We hadn’t purchased a property in about 15 years, so we felt a little uneducated and unsure about what to expect.
The easiest part, however, was working with Pepper Money throughout the home loan process. They helped us understand everything, and the experience was seamless. We genuinely felt supported- whenever we needed them, they were there, which reassured us and took the edge off during those overwhelming moments when we thought, “This is just too much.” Pepper really made things easier for us.
The biggest thing for me was that they treated us like humans, taking the time to educate us and speak in a language we could understand. That made the whole process simple and stress-free. I would absolutely recommend Pepper to anyone- they offer really helpful loan options and make the journey so much easier.
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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.
