ABOUT PEPPER HOMELOANS

Launched to the mortgage market in 2001, Pepper Homeloans has grown to become one of Australia’s leading specialist lenders and mortgage servicers providing loan servicing and specialty servicing capabilities.

Pepper is one of only a handful of firms outside of North America with an “above average” residential subprime loan servicer ranking by Standard & Poor’s. Founded upon expert servicing principals learnt from both the Australian and overseas markets of the United Kingdom, Canada and the USA. Pepper’s specialist servicing knowledge extends in to key areas of customer service, arrears management, loan foreclosure and loss mitigation.

Offering a broad range of award winning simple straight forward specialist home loan products, Pepper Homeloans delivers to its customers the ability to open the door to financial freedom. To date Pepper has helped thousands of Australians become home owners, invest in property, consolidate debt and much more.

Pepper has total loans under management of approximately A$1.5 billion.

Pepper Homeloans is a wholly-owned subsidiary of Oakwood Global Finance SCA (“Oakwood”), a financial services holding company domiciled in Luxembourg. The Oakwood Group is managed by Oakwood Global Finance LLP, headquartered in London. Oakwood owns and operates a range of specialty consumer finance and asset servicing businesses across Europe and Australasia. Oakwood’s major shareholders are Merrill Lynch Group, Inc (the US investment banking and funds management group) (“Merrill Lynch”) and CIR SpA (Compagnie Industriali Riunite) (“CIR”), a substantial and diversified conglomerate listed on the Italian Stock Exchange (Borsa Italiana).

Pepper has warehouse funding provided by Commonwealth Bank of Australia, Barclays Capital and National Australia Bank.

Pepper has completed seven (7) residential mortgage-backed securities (RMBS) issues in the Australian market totaling A$2.2 billion, two (2) via the white-label Mobius NCM platform and five (5) via its proprietary Pepper Residential Securities (“PRS”) programme.

Pepper Homeloans is proud to be a member of several mortgage, finance industry and regulatory groups such as the Mortgage and Finance Association of Australia (MFAA), the Finance Brokers Association of Australia (FBAA), Australian Securitisation Forum (ASF) and the Credit Ombudsman Service Limited (COSL).