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Lender Q&A: Mario Rehayem, Pepper

by Emma Ryan10 minute read
The Adviser

Pepper’s Mario Rehayem speaks to The Adviser about how the specialist lender has fared this year and the big plans it has for 2016.

What have been some of the big success points for Pepper in 2015?

After almost 15 successful years as a private company, Pepper listed on the Australian Securities Exchange in July 2015.

Pepper also launched its first ever direct-to-consumer advertising campaign back in May.


As well as that, Pepper teamed up with the St Kilda Football Club as its principle partner for the next three years and renewed its sponsorship of the Western Sydney Wanderers for a further three years.

The aim of all of these initiatives is to boost our brand awareness and support our primary finance partners when introducing Pepper to their clients. After all, over 90 per cent of Pepper loans are written by mortgage brokers.

What specifically can Pepper offer brokers who are looking into the specialist lending space?

Pepper is focused on providing brokers with the most innovative products, competitive rates and market-leading turnaround times.

In addition, Pepper provides a range of tools to its broker network to help them explain how a specialist loan can help their client achieve their financial goals and find alternate paths to home ownership.

What products does Pepper offer?

As a leading non-bank lender, Pepper provides home loans that cater for credit impairment, debt consolidation, payout of ATO debts and the self-employed. However, Pepper now does more than just home loans – we provide car loans and equipment finance too. We also assist with a number of commercial services like asset servicing and corporate real estate advice.

Why should brokers choose Pepper? What is Pepper’s key point of difference when compared with other players in the market?

Our specialist underwriting team provides a market-leading, same-day individual assessment on each home loan application if lodged by 1pm AEDT.

We will always assess a broker’s client for whatever lending solution they need – prime, near-prime or specialist – and will automatically reassess the application across the rest of our product suite, saving the broker and their client the effort of reapplying.

What are some of Pepper’s big plans for 2016?

2016 is set to be a pretty exciting year for Pepper. We will look to increase awareness of the Pepper brand amongst consumers to make it easier for brokers to introduce Pepper products to their clients. Brokers will notice a change in the lender’s visual brand through a range of communication channels from early in 2016.

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