Back in 2000, Pepper Money was founded on the idea of satisfying the unmet needs of Australians. Our mission was clear from the start: to help Aussies who have been underserved by the big banks or traditional lenders. We did this by applying a unique approach to assessing credit and over the past 21 years we’ve helped countless Australians realise their home ownership dreams when the banks said no.

To celebrate this milestone, we’re planting 21 trees for every Pepper Money employee in Australia, New Zealand and The Philippines. More than seven hectares of native protected forest will be planted across these three countries - and a seedling nursery will be created to support future needs, too.

We wouldn’t be able to do this alone, so we’ve teamed up with three organisations to help with the planting -  Green Fleet in Australia, Trees that Count in New Zealand, and the Haribon Foundation in the Philippines. By planting the equivalent of seven rugby fields with native trees and seedlings, this initiative is our way to contribute to a healthier planet and provide a successful future for everyone.

Learn more about our reforestation project


Meet Jo Ritchie, Aotea’s Island Restoration Advisor, who is helping us boost forest regeneration in Aotea, Great Barrier Island, New Zealand.

Pepper Money CEO

“It’s not every day you turn 21. So, to mark the occasion, we wanted to do something special that addresses an unmet need in our community, and creates a legacy for our people, our customers, and our partners.  To be able to celebrate 21 years in business is notable.  It simply could not have been achieved without the contribution of everyone who has enabled our success.  It’s not just our current and past employees who deserve recognition, it also includes the many mortgage brokers, motor dealers and introducers who have entrusted their customers to us over the years. This investment in our future is for each of you – thank you.

Mario Rehayem,
Pepper Money CEO – Australia and New Zealand