Pepper Money home loans come from one of Australia’s larger non-bank lenders. Pepper Money began in 2000, lists on the ASX under the code PPM, and has a reputation for lending to borrowers whose circumstances fall outside standard bank criteria, alongside its prime home loans.
This page is a factual profile to help borrowers understand who Pepper Money is and where its home loans may fit. However, it is not a recommendation, and it does not rate or rank the lender.
Pepper Money at a Glance
| Item | Detail |
|---|---|
| Lender type | Non-bank lender (not an authorised deposit-taking institution) |
| Owned by | Majority owned by Pepper Group ANZ Holdco, part of the KKR-backed Pepper Group; the balance is held by ASX investors |
| Founded or established | 2000 |
| Listed on the ASX | Yes, since May 2021 (code PPM) |
| Home loans for | Owner-occupiers, investors, self-employed borrowers and borrowers with a more complex credit history, across prime, near prime and specialist tiers |
Ownership and History of Pepper Money
Pepper Money began in Australia in 2000 as a specialist residential lender. Over the following two decades it grew into a broader non-bank lender with home loans, asset finance and commercial real estate lending in Australia and New Zealand.
The business previously had a stock exchange listing, and in 2017 the global investment firm KKR acquired it. Its Australian and New Zealand operations returned to the market in May 2021, when Pepper Money Limited listed on the ASX under the code PPM.
Following the listing, KKR and the Pepper Group retained a majority holding. Today Pepper Money’s majority shareholder is Pepper Group ANZ Holdco, a subsidiary of Pepper Global Topco, while ASX investors hold the remaining shares.
As a non-bank lender, Pepper Money does not take deposits. Instead, it funds its lending through wholesale facilities and securitisation.
Sources for this section include the Pepper Money website and Broker Daily’s report on its ASX listing.
Where Pepper Money Home Loans May Suit
Pepper Money describes its approach as a cascading credit model, with home loans arranged in prime, near prime and specialist tiers. Based on independent industry coverage and the lender’s own material, Pepper Money home loans may suit:
- Self-employed borrowers who need alternative income verification, such as business bank statements, BAS or an accountant’s letter, in some circumstances and subject to lender criteria.
- Borrowers whose credit history includes past events. For example, Pepper Money may consider them under the near prime or specialist tiers, depending on the circumstances.
- Borrowers with irregular or non-standard income who do not fit neatly into a mainstream bank’s policy.
- Property investors, including those wanting an SMSF loan, subject to eligibility.
Home Loan Types Pepper Money Offers
Pepper Money offers residential home loans and related products across its lending tiers. Verified loan types include:
- Owner-occupied home loans (prime, near prime and specialist)
- Investment property loans
- SMSF loans
- Refinancing of existing home loans
- Small commercial real estate loans and asset finance (outside the home loan range)
Getting a Pepper Money Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare Pepper Money with the other lenders on our panel.
Shannon Ingram, our principal broker, compares Pepper Money with the rest of the panel and then explains where each option fits your situation. We work with clients across the Sutherland Shire from Bangor, NSW, as well as with clients across Australia by phone and video.
In the meantime, to see current Pepper Money products, use the lender filter in our comparison tool. Then contact us or book a free chat to talk through your options.
Pepper Money Home Loan FAQs
No. Pepper Money is a non-bank lender, so it does not hold a banking licence or take deposits. Instead, it funds its loans through wholesale funding and securitisation rather than customer deposits.
Pepper Money Limited trades on the ASX (code PPM). Its majority shareholder is Pepper Group ANZ Holdco, part of the KKR-backed Pepper Group, while ASX investors hold the remaining shares.
Yes. Pepper Money offers home loans designed for self-employed borrowers, including alternative income verification options in some circumstances, subject to eligibility and lender criteria. See our self-employed home loans page.
Yes. Pepper Money is one of the lenders on the Ingram Financial panel, so Shannon Ingram can compare its products with other lenders for you.
Ingram Financial has no ownership ties to Pepper Money. Pepper Money is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.