Pepper Money vs ubank:Which is more popular?
In September 2026, ubank had more branded searches than Pepper Money among online home loan lenders in Australia. ubank had about 75,600 branded searches, while Pepper Money had 49,500. ubank made up 42.4% of all online home loan lender searches we track, and Pepper Money accounted for 27.7%. When we asked ChatGPT and Google AI Overviews about online home loan lenders, ubank appeared in one of the five answers and Pepper Money in none.
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Top online home loan lenders in ChatGPT and Google AI Overviews
In three ChatGPT questions and two Google AI Overviews, ubank was mentioned in one out of five: in one of the three ChatGPT answers, but not in either of the two Google AI Overviews. Pepper Money did not appear in any of the five answers.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
Unloan1st
Up2nd
loans.com.au3rd
Athena Home Loans4th
ubank5th
Pepper Money–
Mentioned by AI
Each dot is one answer, filled in when that answer mentions the brand.
- Up3 of 5Named in 2 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- Unloan3 of 5Named in 3 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- loans.com.au2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- ubank1 of 5Named in 1 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- Athena Home Loans1 of 5Named in 1 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- Pepper Money0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
See every answer about online home loan lenders
5 answers
Asked ChatGPT
“Which online home loan lender should I use in Australia?”
Asked ChatGPT
“What are the best online home loan lenders in Australia?”
Asked ChatGPT
“What's the best home loan in Australia for a first home buyer?”
Searched Google, AI Overview
“home loan”
Searched Google, AI Overview
“home loan comparison”
- 1Up
- 1
Not named in any answer:
Brands are shown in the order each answer named them. The survey took place in Australia on October 22, 2026.
Is Pepper Money or ubank more popular in search?
This chart shows how often people search Google for Pepper Money and ubank by name. Each line represents a brand's share of searches for all six online home loan lenders we track, month by month, from searches in Australia.
Share of searches by month for ubank, Pepper Money. The figures are in the table below the chart.
View monthly share of searches table
| Month | ubank | Pepper Money | Up | Unloan | Athena Home Loans | loans.com.au |
|---|---|---|---|---|---|---|
| Oct 2025 | 41.9% | 27.4% | 19.2% | 8.2% | 2.4% | 0.89% |
| Nov 2025 | 37.5% | 29.7% | 20.8% | 8.9% | 2.2% | 0.96% |
| Dec 2025 | 42.7% | 28.1% | 19.7% | 6.9% | 1.7% | 0.9% |
| Jan 2026 | 42% | 27.5% | 19.3% | 8.2% | 2% | 0.89% |
| Feb 2026 | 42.1% | 27.6% | 19.4% | 8.2% | 2% | 0.72% |
| Mar 2026 | 42.1% | 27.5% | 19.3% | 8.2% | 2% | 0.89% |
| Apr 2026 | 39.6% | 31.6% | 18.2% | 7.7% | 1.8% | 1% |
| May 2026 | 41.6% | 27.1% | 19.1% | 9.9% | 1.6% | 0.71% |
| Jun 2026 | 43.7% | 28.7% | 16.6% | 8.6% | 1.7% | 0.75% |
| Jul 2026 | 39% | 31.3% | 18% | 9.3% | 1.5% | 0.82% |
| Aug 2026 | 39.2% | 31.3% | 18% | 9.4% | 1.5% | 0.67% |
| Sep 2026 | 42.4% | 27.7% | 19.4% | 8.3% | 1.6% | 0.56% |
How has the Pepper Money and ubank comparison changed over the last 12 months?
3 findings
- ubank was ahead of Pepper Money in every measured month of the 12 months ending September 2026.
- Across the 12 months ending September 2026, Pepper Money’s share of searches among online home loan lenders in Australia moved from 27.4% to 27.7%, and its estimated monthly branded searches held steady at 49.5K.
- Across the 12 months ending September 2026, ubank’s share of searches among online home loan lenders in Australia moved from 41.9% to 42.4%, and its estimated monthly branded searches held steady at 75.6K.
How did search popularity change for Australia online home loan lenders in September 2026?
2 changes
In September 2026, ubank gained share of searches among online home loan lenders in Australia, from 39.2% to 42.4%.
In September 2026, Pepper Money lost share of searches among online home loan lenders in Australia, from 31.3% to 27.7%.
How are branded searches counted?
3 search terms
Brandwave collects information about searches that people make online using Pepper Money’s and ubank’s names. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brands is growing, holding steady, or fading.
Pepper Money
1 branded search term
- pepper money
ubank
2 branded search terms
- ubank
- ubank home loan
Other head-to-heads among online home loan lenders
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