Pepper Money Limited operates as a non-bank lender in the mortgage and asset finance markets in Australia and New Zealand. It operates through three segments: Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment engages in the financing of residential home loans and small balance commercial real estate loans. The Asset Finance segment finances a range of asset types, such consumer, commercial, and novated leasing. The Loan and Other Servicing segment provides independent loan servicing, including residential home loans and personal loans. It offers auto and equipment finance, third party loans, and broker services. The company was formerly known as Pepper Group Pty Limited. The company was incorporated in 2000 and is based in North Sydney, Australia. Pepper Money Limited operates as a subsidiary of Pepper Group Anz Holdco Limited.