Pepper Money New Zealand

We were established in 2000 to provide alternative home loan options through a flexible approach that factor in the ups and downs of real life. There’s a lot that we have been proud to achieve since our humble beginnings - the biggest being that we’ve helped people achieve all sorts of goals with the support of our ever-expanding lending options. Wondering exactly what a non-bank lender is? Put simply, we're committed to finding options for everyday Kiwis that might not meet the criteria of mainstream lenders. Since we aren't a deposit-taking institution, our loans aren't funded by customer deposits. Instead, our loans are funded through debt capital markets – marketplaces for money invested in lending. The way you can tell how an alternate lender is viewed by the markets is in their Loan Servicer ratings. We’re proud to say that we’ve had a 'Strong' Residential Loan Servicer rating since January 2012 and we’re included on S&P’s Global Select Servicer List. And more recently, we listed on the ASX in May 2021. Rest assured, everything we do is fully transparent.