Customer learns about Pepper Money debt funding strategy
Customer learns about Pepper Money debt funding strategy

Debt Investors

Our debt strategy

As one of Australia’s most awarded non-bank lenders, we have deep funding expertise from originating loans and raising funds in global capital markets. Our debt funding strategy is structured to provide ongoing, efficient funding to support our growth ambitions. Our funding strategy is underpinned by an ability to adapt to and originate during varying economic and market cycles – all while solving the evolving needs of our loan customers and distribution partners.

Diversity is a key foundation of our debt strategy; gaining stability across multiple financiers, markets, currencies, and funding facilities. 

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. 

Our servicer rating

We’re proud to say that we’ve had a 'Strong' Residential Loan Servicer rating since December 2011 for our non-conforming and prime residential loans. 

Contact us for a copy of the most recent servicer evaluation report.

    

Pepper has been built on discovering new ways to finance ambition with a mission to help people succeed.

In line with this mission, Pepper is actively assisting customers to achieve a lower carbon footprint through the construction and purchase of more energy efficient and low carbon homes, funded via accredited “Green Bonds”.

Pepper Money’s Green bond framework is based on the International Capital Market Associations’ Green Bond Principles (GBP).

To find out more about Pepper Money’s Green bond framework including the most recent Annual Review click the links below:

To obtain copies of the Pre-issuance Assurance reviews please contact us.

In line with this mission, Pepper Money issued its inaugural Social Bond in June 2022 to help customers access financial services and improve socio-economic advancement.

Pepper Money is seeking to achieve positive social outcomes for a target population of Australians that lack access to essential financial services and experience inequitable access to and lack of control over assets. Pepper Money directly aims to address the positive social outcome of home ownership for borrowers who may have complexity in their income streams, gaps in their loan documentation or have adverse credit history.

Pepper Money has developed a Social Bond Framework to issue Social Bonds. This Framework is aligned to the International Capital Market Associations’ Social Bond Principles (SBP).

To find out more about Pepper Money’s Social Bond Framework click the link below:

Access your debt investors reporting.

Anthony Moir, Treasurer

Anthony joined Pepper Money in February 2021 and is responsible for the leadership of the treasury function including the strategic direction and execution of multicurrency funding programs.

Bringing more than 25 years of experience in treasury and debt capital markets, Anthony previously worked with a diverse range of bank and non-bank lenders including Qudos Bank, GE Capital, AMP, CBA, and Citigroup.

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Pepper Money debt offerings are for distribution only to persons who are not a retail client (as defined by section 761G of the Corporations Act 2001 of Australia (“Corporations Act”)) and who are sophisticated investors or professional investors and, in all cases, in such circumstances as may be permitted by applicable law in any jurisdiction which an investor may be located.

Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.

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Terms of Use

This website, and the material and information on this website (together the Website) is owned and operated by Pepper Money Limited ABN 55 094 317 665 Australian Financial Services Licence number 286655 and Australian Credit Licence number 286655 ("Pepper”, "we" or "us"). 

“You” and “your” are references to you as the user of the Website.

The Terms of Use of the Website are outlined below. We may revise them at any time by updating this posting. If you do not accept these Terms of Use, you must refrain from using the Website or any of our products and services. If you have bookmarked this Website or these Terms of Use, you will need to ensure that the bookmarked version has been updated so that you are complying with the most recent version of these Terms of Use, as your access to and use of the Website is governed by the most recent version. Your continued use of the Website following such notification will represent an agreement by you to be bound by the Terms of Use, as amended.

Website access 

The Website is for distribution only to persons who are not a retail client (as defined by section 761G of the Corporations Act 2001 of Australia (“Corporations Act”)) and who are sophisticated investors or professional investors and, in all cases, in such circumstances as may be permitted by applicable law in any jurisdiction which an investor may be located. If you access this Website, you are confirming you are entitled to do so under all applicable laws, regulations and directives in all applicable jurisdictions. By proceeding to access the pages on this Website, you agree and confirm that: 

• Your access to the Website does not violate applicable laws, including laws of your home jurisdiction; 
• You are not a “retail client” within the meaning of the Corporations Act and agree not to disclose the information to a person who would be a “retail client”; 
• You are either (a) not a “U.S. person” as that term is defined in Regulation S under the US Securities Act of 1933 (the “US Securities Act”), are not in the United States, and are not acting for the account or benefit of a U.S. person (and you will not make a copy of any prospectus or other material contained on this Website available to, or distribute a copy of such prospectus or other material to, any such U.S. person) or (b) a “qualified institutional buyer” as that term is defined in Rule 144A under the US Securities Act.;
• If you access this Website, you are confirming that you are entitled to do so. 

Material on the Website 

The material and information on, and accessed through, this Website (the “Information") is provided to Pepper's debt investors for information purposes only and is subject to change. It does not constitute, and is not deemed to constitute, a prospectus, offering memorandum, offer, invitation, inducement, recommendation or solicitation for the subscription for or purchase of any securities of Pepper. Further, the Information is not intended to constitute investment advice, and should not be relied on in connection with any investment decision. Investors should consider seeking independent professional advice that takes into account their specific investment objectives, financial situation and investment needs. 

Nothing on this website constitutes an invitation to enter into any contract or other arrangement with you or any third party (whether legally binding or not). 

Past performance is not a reliable indication of future performance. This Website may contain forward-looking statements, forecasts, estimates, assumptions and projections. Pepper does not warrant that such forward statements will be achieved or will prove to be correct. Actual future results and operations could vary materially from them. Any documents provided on this Website are only current at the date of those documents, or as stated in those documents. Pepper accepts no obligation to correct or update the information or opinions on this Website. The Information may be based on assumptions or market conditions and may change without notice. 

Neither Pepper, nor any of its directors, employees, agents or any other person, makes any representation or warranty (express or implied) as to the accuracy, completeness, adequacy, appropriateness, timeliness or reliability of the contents of this Website, or the assumptions, opinions, inputs, calculations or conclusions on this Website. Pepper accepts no responsibility for errors or misstatements, negligent or otherwise and under no circumstances will Pepper be liable for any loss or damage whatsoever caused by a user's reliance on information obtained from this Website. To the fullest extent permissible by law, Pepper and its respective related entities specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental or consequential losses, damages, costs or expenses of any nature which may be suffered by any person relying on the Information (including errors, defects, misrepresentations or omissions) or otherwise arising out of or in any way connected with the access to or use of this Website. 

We do not warrant that the Website will always be accessible, and we do not warrant that the Website is free from anything that may damage any device used to access the Website. 

Copyright and trademarks 

Unless expressly stated otherwise, we claim copyright ownership or license to all materials on this Website (including, but not limited to text, graphics, logos, icons, photos, sound and audiovisual recordings and software). Subject to any confidentiality restrictions described above, you may download, display print, and reproduce this material in unaltered form for your personal, non-commercial use. We may revoke this permission at any time. Apart from this permission and uses permitted under the Copyright Act 1968 (Cth) as amended, all other rights are reserved. We own the Pepper trademark and reserve all rights in relation to it. Your access to and use of our Website does not license you to use any Pepper trademarks, brands and logos.

Links to or from other sites 

You must not create or maintain any link from another website to the Website unless it is with our permission in writing. The Website may contain links to other websites operated by entities which do not belong to Pepper. These links have been provided solely for you to obtain further information for reference purposes and may not be current or be maintained. Pepper does not sponsor, approve, endorse or have any control over the information on these sites and therefore gives no warranty and makes no representations regarding the accuracy or suitability of the information described on them. These third parties will have their own terms of use and you are advised to make your own enquiries in relation to third parties described or linked on this site. 

We do not authorise the infringement of intellectual property rights contained in material in other websites by linking new websites to those other websites. 

Privacy Policy

You acknowledge that we may handle personal information in accordance with our respective privacy policies which may be accessed as set out below:

https://www.peppermoney.com.au/privacy-policy

Termination of Access

The operation of, and your access to this Website may be terminated (whether temporarily or permanently) at any time by us without notice. Those of the Terms of Use that are capable of surviving termination will survive any such termination.

Governing law and jurisdiction 

These terms of use are governed by the laws of New South Wales, Australia, and you agree to submit to the non-exclusive jurisdiction of its courts in relation to any matters concerning these terms of use. 

These terms of use apply to each debt investor page on this Website. 

If you have read these terms of use and agree to follow and be bound by them, select "Accept" to proceed.

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