Pepper Money: The first choice for investors

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AT THE heart of Pepper Money’s business model is a simple yet profound mission: to help people succeed. This mission is not just a tagline but a guiding principle that influences every aspect of its operations. Here’s why Pepper Money is the first-choice non-bank for brokers’ investor clients:

Pepper Money is one of Australia and New Zealand’s leading non-bank lenders. It was established in 2000 as a specialist residential home loan lender in Australia with a focus on providing innovative home loan solutions to customers that were being turned down by traditional lenders. Today, Pepper Money has a broad product offering of loans that help people succeed across a lifetime of changing situations – from first car loans to personal loans, residential home loans, asset finance, commercial real estate and novated leases in Australia, to residential home loans in New Zealand. For more information, visit peppermoney.com.au

Contrary to the misconception that non-bank loans are always more expensive, many non-bank lenders offer competitive solutions for investor clients. Pepper Money, for instance, strives to provide flexibility and offers that are attractive and fair, ensuring that investors can maximise their returns. By leveraging our non-bank status, we can often offer more favourable and flexible terms than traditional banks. For example, our current limited-time offer eliminates lenders mortgage insurance, lender protection fees and risk fees on prime full-doc property loans, making it easier for clients to purchase or refinance property with greater affordability, cash savings and flexibility.

BARRY SAOUD, general manager, mortgages and commercial lending,PEPPER MONEY

Other non-bank lenders are known for their personalised approach to lending. But at Pepper Money we take our commitment seriously – it’s core to one of our values of being ‘can do’. We take the time to understand the unique needs and circumstances of your clients, allowing us to offer flexible loan terms and repayment schedules accordingly. This level of personalised service can provide investors with a winning and supportive lending experience.

Non-bank lenders like Pepper Money leverage technology to streamline the lending process. Digital platforms and tools make it easier for brokers to manage applications, track progress and communicate with clients. This technological edge enhances efficiency and reduces administrative burdens, allowing brokers to focus on providing the best possible service to their clients.

Investors who have worked with non-bank lenders often report positive experiences. The combination of flexible terms, personalised service and our quick approvals creates a supportive environment that helps investor clients to succeed. Brokers can leverage these positive experiences and the trust we have built for over 25 years to build their own trust and credibility with their clients.

“Investors with less-than-perfect credit histories, unconventional income sources or complex financial profiles can still secure the financing they need without being restricted or capped”

Competitive offers

Flexibility

Published 02 Jun 2025

In today’s fast-paced financial landscape, where trust and authenticity are paramount, Pepper Money stands out with its unique approach for investors

Brokers are voting with their feet and have rated us as having the best non-bank product for investors. This recognition demonstrates the trust and confidence brokers place in us to deliver flexible and helpful loan options for their investor clients, thanks to our commitment to product and experience excellence.

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One of the standout advantages of non-bank lenders is our flexibility. Traditional banks often have stringent lending criteria or restricted servicing capacity, which can be a barrier for investors with unique financial situations. Non-bank lenders, on the other hand, are more willing to consider a broader range of factors when assessing loan applications. This means that investors with less-than-perfect credit histories, unconventional income sources or complex financial profiles can still secure the financing they need without being restricted or capped.

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Pepper Money's helpful investor loan options

Our 'can do' attitude

Positive client feedback

“Brokers are voting with their feet and have rated us as having the best non-bank product for investors. This recognition demonstrates the trust and confidence brokers place in us to deliver flexible and helpful loan options for their investor clients”

BARRY SAOUD, general manager, mortgages and commercial lending, PEPPER MONEY

Highly rated by brokers

Non-bank lenders frequently offer innovative financial solutions that are tailored to the needs of investors. For example, Pepper Money provides a range of products designed to support various investment strategies, whether it’s purchasing residential properties, investing in commercial real estate or financing business assets. This adaptability is particularly beneficial for investors dealing with fluctuating revenues or unconventional financial situations.

Helpful loan options

Up to 5 years interest only 40-year loan terms Flexible cash-out options No limits on the number of security properties No additional loading for professional investors Non-genuine savings up to 90% LVR No debt-to-income limit No limit on the number of debts that can be consolidated Debts from other lenders can be taken at actual payments with a 25% buffer Inheritance and income from a trust accepted No notional rent Negative gearing accepted Offset sub-account, Visa debit access, redraw and online account management

Easy to do business with

For brokers, recommending a non-bank lender like Pepper Money to investor clients can offer numerous advantages. From flexible lending criteria and faster approvals to competitive rates and personalised service, Pepper Money provides a range of helpful loan options that can help investors succeed. By understanding and communicating these advantages, brokers can better serve their clients and build stronger, more rewarding relationships.