The Pepper Money commitment: A brand built on being really helpful

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At Pepper Money, we’re all about being really helpful. With a refreshed brand tagline, we make sure to reflect very clearly what we stand for

IN THE Pepper Money world, lending is always personal, not transactional. That’s why we’ve refreshed our brand tagline to make sure we reflect very clearly what we stand for: we keep things real, our teams are approachable and responsive, and being helpful is at the heart of what drives us. We are here for those who sit outside the banks’ usual lending criteria; territory that comes with a constant commitment to try to make a difference. This isn’t just a new tagline. It’s an expression of that commitment – to helping more Kiwis succeed with property and homeownership, with flexible loan options and a can-do attitude that sets us apart from both traditional banks and other non-bank lenders.

Published 01 Sep 2025

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A brand that feels local and real Our refreshed brand expression is built around providing clear insight into what we are – which is really helpful. What makes this true is our relentless focus on being less corporate and more human. Every application matters to us. It also means listening to feedback from mortgage advisers and shaping our offers around what their clients actually need. This adviser-centric design thinking plays out well for us in market. Whether it’s niche investor solutions or flexible lending structures for individuals and families, investors or owner-occupiers, our goal is to help people move forward – not just to qualify for a loan but to succeed with it.

A culture of helpfulness Internally, the statement ‘being really helpful’ is both a promise and day-to-day mindset. It’s about always asking ourselves, “Was that really helpful?”, “Am I being really helpful with my colleagues, the advisers we work with or our customers?” or “Can we do this better?” This mindset drives our approach to customer service, adviser support, product innovation and the way we work. Our BDM team are out on the road every day, meeting advisers in their offices, workshopping deals and doing everything they can to be really helpful. They’re not just there to tick boxes; they’re there to listen, problem-solve and help make deals happen. Whether it’s about navigating complex scenarios or finding flexible solutions, Pepper Money BDMs bring a hands-on, can-do attitude that reflects the heart of our brand: real help and support, delivered locally by locals. A brand that reflects our values Our values are Can Do, Balanced and Real – and it shows. Our brand stands out by being grounded in those values. While others in the industry may use similar messaging to what you’ll see in our campaigns, we differentiate through delivery – a little less formal (perhaps) but more approachable and practical. We’re not trying to be flashy; we’re trying to be helpful.

Helping Kiwis succeed The core of our message is backed by our offer: helpful loan options. We know that life doesn’t always fit into neat boxes, and our lending approach reflects that. We take a flexible and balanced approach to policy in order to give customers the help they need to achieve their property goals, whatever these may be, or even be included in the property space. That’s why our product suite spans Prime, Near Prime and Specialist home loans. For some people in certain situations, a timely, helpful solution is what’s required to enable them to achieve their property objectives and capture current opportunities in today’s market conditions. That means you must have a pragmatic, help-driven mindset. It’s a way of working that is certainly true to the Pepper Money values and mission to help our customers succeed, because we know that every loan has a real-life story behind it.

We’re proud of the stories we’ve helped shape – stories of growth, resilience, celebration and opportunity, and the feedback from our advisers and customers alike tell us we’re on the right track. Check out our helpful adviser tools At Pepper Money, we work to make it easy for advisers to find solutions quickly and confidently. Our suite of tools is designed with simplicity and speed in mind, like the Pepper Product Selector, which provides an indicative response in under five minutes. Advisers also benefit from direct access to our credit team, who are always ready to workshop scenarios and offer tailored support. Whether it’s about navigating complex lending needs or finding flexible options for clients who sit outside traditional criteria, we’re here to help advisers deliver real impact with less friction and more confidence. Banks are built for scale. We’re built for agility. That means we combine smart tech with experienced credit teams who understand real-life nuances. We’ve removed unnecessary forms and duplication to keep things moving.

We encourage all mortgage advisers to talk to their Pepper Money business development manager about the great solutions we have for their clients. If you’re working on a deal, Pepper Money is ready to help. Looking ahead Refreshing our brand is about much more than design; it’s about clarity, consistency and connection. We want people to know what Pepper Money stands for the moment they hear our name: a lender that’s flexible, responsive and really helpful.

Source: adviser.peppermoney.co.nz/home-loans/tools/pepper-product-selector

Why try our Pepper Product Selector

Know where your client stands, with no impact on their credit score

• Options: Prime to Specialist • 24/7: Like a digital BDM • Fast: An outcome within minutes • Reliable: An indicative offer from a leading non-bank lender • Easy: A simple tool with a comprehensive outcome

The Pepper Money brand

Really helpful loan options

• Can Do, • Balanced and • Real

OUR BRAND TAGLINE

Our VALUES

We keep things real

Our core message

Find out more

Pepper Money was established in 2000 to help people achieve their financial dreams. By providing a flexible approach to finance, we’re able to help turn a ‘no’ from the banks into a ‘yes’. Since then, we’ve become one of the largest, most trusted and most award-winning non-bank lenders in Australia and New Zealand, making a difference to thousands of people’s lives. Our flexible approach means looking at each person’s situation on its merits. We’re the home of home loan options.

“The statement ‘being really helpful’ is both a promise and a day-to-day challenge. It’s about constantly asking ourselves, ‘Was that really helpful?’ or ‘Can we do this better?’ ”

Campbell Smith, COUNTRY HEAD, Pepper Money NZ

“The core of our message is backed by our offer: helpful loan options. We know that life doesn’t always fit into neat boxes, and our lending approach reflects that”

Campbell Smith, COUNTRY HEAD, Pepper Money NZ

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“The core of our message is backed by our offer: helpful loan options. We know that life doesn’t always fit into neat boxes, and our lending approach reflects that”

Campbell Smith, COUNTRY HEAD, Pepper Money NZ

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