The history of Pepper Money
Established in 2000 to help everyday Aussies achieve their financial dreams. Over the years, we’ve helped hundreds of thousands of customers navigate the ups and downs of real life. As you navigate through our past, you’ll see how our ever-expanding lending options and focus on helping our customers succeed has seen us become one of the largest, most trusted, and award-winning non-bank lenders in Australia and New Zealand.
2000
2003 - 2013
2003
Established the Non-conforming Mortgage Securitisation Program1.
2011
Purchased GE Capital’s home lending business in Australia & New Zealand ($5bn). Read more >
2012
Established the Near Prime home loan product1.
Acquired ADI-originated auto loan book ($150m)1.
2013
Recognised as Best Specialist Lender at the Australian Lending Awards (nine consecutive wins in a row2). See our awards >
2014 - 2016
2014
Established the Prime home loan product1.
Acquired portfolio of residential mortgages ($230m)1.
Asset Finance business launched1.
Announced partnership with the Western Sydney Wanderers A-League team. Read more >
2015
Becomes principal partner of St. Kilda Football Club and unveils new customer-facing brand, Pepper Money. Read more >
Won first Best Self-Employed Lender and Best Investor Lender of the year - Non-Bank Lending Awards. See our awards >
Broadens commitment to Western Sydney with naming rights sponsorship of the Penrith Panthers’ home ground, Pepper Stadium3.
2016
Commenced active Whole Loan Sales funding program for Australian Mortgages1.
Launched personal loan product.
2017 - 2020
2017
Established I-Prime Securitisation Program, securitising residential mortgages loan pool with a high proportion of investor and interest-only loans.
Launched the Pepper Product Selector, an online borrowing power calculator, and its one-application three-credit policy approach.
Secured Non-Bank Lender of the year at the Australian Lending Awards (first of four wins). See our awards >
2018
Commenced CRE lending in Australia1.
Inaugural Green Bond Issuance. Read more >
Originated loans in excess of $5bn in Mortgages and $1bn in Asset Finance1.
2019
Established SPARKZ – Asset Backed Securities (ABS) program1.
Entered New Zealand Mortgages market1.
2020
Implemented planned stress scenario covering origination, credit, and measures to address COVID-191.
Raised $4.8bn in term securitisations in COVID-19 environment1.
2021 - 2023
2021
IPO of the Australia and New Zealand business and listed on the Australian Securities Exchange (ASX). Read more >
Raised $4.8bn in term securitisations in COVID-19 environment1.
Principal partner of the Illawarra Hawks basketball team for the 2021 NBL season. Read more >
We celebrated our 21st Birthday. As part of the celebration we chose to plant 21 trees for every employee across Australia, New Zealand and the Philippines. Read more >
2022
Raised in excess of $5.0bn in term securitisations1.
Record originations $9.6bn1.
Number 8 Most Innovative Company (Banking, Super, and Finance Category) - AFR BOSS List. Read more >
Win Canstar's First Green Excellence Award for Electric Vehicle Loans. Read more >
2023
Raised $5.4bn over 2023 in term securitisations1.
Launched SMSF mortgage product in Australia. Read more >
Acquired HSBC NZ$1.1bn mortgage portfolio in New Zealand. Read more >
Completed first Asset Finance Whole Loan Sale1.
2024
Won Non-Bank of the Year - Australian Mortgage Awards.
See our awards >
Won Best Personal Loans - Finder Awards.
See our awards >
Acquired Stratton Finance.
Involved in Victorian Government's Commercial and Industrial Property Tax Reform Transition Loan Program. Read more >
