Q. What do you think makes your products so popular?
We’ve always been a solutions-based lender, with the policy depth, product breadth, and experience to support brokers when a deal isn’t completely straightforward. Because brokers feel the difference where it counts: faster turnarounds, consistent outcomes, and BDM support that feels like an extension of your business.
Borrower profiles have changed a lot. More customers have multiple income streams, are self-employed, or contracting; invest through different structures; or have had a life event that doesn’t fit neatly into a major bank credit box. Brokers need lending partners who understand that complexity and can still offer speed, certainty, and transparency.
Our people are a big part of that experience too. Brokers really value the relationships they have with our BDMs, credit teams, and sales teams across the country. There’s a genuine ‘can do’ mindset at Pepper Money, from application right through to settlement, and that human element matters when brokers are working hard to get the right outcome for their customers.
There’s a genuine ‘can do’ mindset at Pepper Money, from application right through to settlement
We’ve consistently delivered a one-day SLA throughout 2026, positioning us as a true market leader in time to ‘yes’. We’ve also continued to invest heavily in the broker and customer experience, from technology and turnaround times and the post-settlement journey. Brokers need confidence that the customer experience will hold up because their reputation depends on it. That’s where we’ve continued to invest.
So, being first choice starts when we put brokers first – a mix of practical policy, strong relationships, product choice, and confidence in the overall experience. Brokers know we’re here to help them find a way forward for more customers.
Q. How have you been tailoring your products this year?
The market has moved quickly, so our focus has been on making sure our products and policies continue to reflect how customers are actually living, working, and borrowing.
In prime owner-occupied lending, we’ve kept improving the experience for brokers and customers who want speed, clarity, and a competitive alternative outside the major banks. More prime customers are choosing Pepper Money because they want helpful loan options, service, and a lender that can move with them as their needs change.
For investors, complexity is now the norm rather than the exception. Serviceability remains challenging, loan sizes have increased, and more customers are borrowing through company and trust structures. By continuing to evolve policy across borrower structures, loan sizes, locations, and LVRs, we have given brokers the flexibility and confidence to support more investor clients, even when the path isn’t straightforward.
The recent federal budget is also expected to spark more conversations around ownership structures, self-managed super funds, company and trust lending, construction finance, and broader investor strategy.
In specialist lending, our focus remains on real-life credit. More customers are newly self-employed, contracting, earning income in different ways, or rebuilding after a life event. That’s why we continue to offer flexible income verification options, such as business activity statements, bank statements, and accountant declarations, rather than relying only on traditional tax returns and financials.
