Pepper Group Limited is foreign owned unlilisted public company, deriving revenue as a non-bank mortgage lender. The company operates in Australia, New Zealand, the United Kingdom, Europe and Asia, and is administered by its head office in North Sydney.

Pepper Group Limited's ultimate holding parent is Spruce Investors II (Singapore) Pte Ltd, a Singapore-based holding firm which is in turn operated by KKR Credit Advisors (US) LLC, a United States-based investment firm.

Pepper Group Limited is a non-bank mortgage lender providing specialised lending services. Its retail brand is Pepper Money.

The company operates in Australia, New Zealand, the United Kingdom, Europe and Asia through the following five segments:

  • Lending - Provides home loans, car loans and unsecured personal loans.
  • Asset Servicing - Provides Residential Mortgage Backed Securities, asset servicing, special servicing and debt purchase.
  • Property Advisory - Provides workplace and project advisory, sales and acquisition services, real estate capital services and occupier advisory.
  • Broker Products & Services – Provides a range of products and services to assist brokers in managing clients
  • Bond Investing - Provides information for bond investors, Peper Residential Securities and Pepper Prime programs

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