Completion of RAMS home loan portfolio acquisition

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Stock Pepper Money Ltd (PPM.ASX)
Release Time 3 Aug 2026, 8:31 a.m.
Price Sensitive Yes
 Pepper Money Completes RAMS Home Loan Portfolio Acquisition
Key Points
  • Acquisition completed on 1 August 2026
  • Portfolio estimated at $15.4 billion
  • Pepper Money appointed as servicer
Full Summary

Pepper Money Limited (ASX: PPM) has confirmed the completion of the acquisition of the RAMS home loan portfolio from Westpac Banking Corporation, completed on 1 August 2026. The portfolio, estimated at $15.4 billion in residential mortgages, will be serviced by Pepper Money, leveraging its expertise in mortgage servicing and customer engagement. Pepper Money also holds a small investment in the securitisation financing vehicle that acquired the beneficial interest in the loan portfolio, alongside other consortium members. The transaction supports Pepper Money's strategy to expand its capital-light servicing business, offering annuity-style earnings, operational scale, and diversification benefits.