Get to know us
Back in 2000 we were set up to offer alternative home loan options for people getting turned down by the banks. People who could afford a loan but were getting a “no” because of their current situation (like, old credit issues or not having the right paperwork). Our flexible approach meant looking at each person’s situation on its merits and factoring in the ups and downs of real life. Since then we’ve made a difference to 100’s of 1,000’s of people.
We're the home of real life home loan options.
Put simply, a non-bank lender like us provides home loan options for Kiwis that don’t meet the lending criteria of the banks. Otherwise – we are not so different. We both offer people home loan options and we both make sure we are lending responsibly.
How the Reserve Bank describes non-banks
In New Zealand, the Reserve Bank uses the term ‘Non-Bank Lender’ to describe a wide group of organisations including: savings institutions, deposit-taking finance companies and non-deposit-taking finance companies. As Pepper Money we fit into the non-deposit-taking space, but what does that actually mean?
How we fund the loans we offer
Unlike banks we don’t take deposits (money people put in their savings accounts), so where bank loans are mostly funded by those customer deposits our loans are funded by money raised through professional investors.
We're also keeping an eye on the planet
We've always worked to support sustainable environmental initiatives - making sure we're doing our bit for the planet. In 2021, as part of our 21st Birthday Celebrations, we planted 7 hectares of protected forest in the countries we operate in; Australia, New Zealand and the Philippines. And what's more it all started with our first trees just 80km off the Auckland coast in Aotea, the beautiful Great Barrier Island.
We have also helped contribute to a seedling nursery to help us plant trees for many years to come.
Meet the local team
Our people come from all walks of life and backgrounds but they are united by a shared attitude; a can do approach and to help if they can.
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Campbell Smith
Country Head of New Zealand
Dialog
Campbell Smith
Country Head of New Zealand
Campbell is an experienced financial services leader with over 20 years exposure in the banking and financial services industry, having worked across both asset finance and mortgages.
Campbell’s last role was Director & Country Manager at LeasePlan NZ and he worked at previous organisations including Turners Automotive, Westpac and Deloitte. Campbell is an executive committee member of the Financial Services Federation NZ and has strong industry networks. This role replaces Michelle Sargeant, who is returning to Australia to take up the role of Head of Sales Operation.
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Cherry Li
Lending Specialist
Dialog
Cherry Li
Lending Specialist
With experience across financial services, marketing and business communications, Cherry is committed to delivering best-in-class service, and is passionate about helping real life customers succeed.
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Daniel Meharg
Head of Product
Dialog
Daniel Meharg
Head of Product
Daniel’s experience in product management has been in institutional, commercial and retail products at both Macquarie and CBA.
Any loan applications are subject to the Pepper Money team completing responsible lending checks and considering your/every customers individual circumstances.
Are you an adviser interested in helping more borrowers?
Our backbone is a dedicated network of third-party financial advisers we work with to create more opportunities for more people.
Get accredited today and get on-track to provide our flexible loan options to your customers today. Give every bank “no” the Pepper Money non-bank test.
