Pepper Money UK

Who we are

A human approach to underwriting

It’s easy for some lenders to say ‘no’. To look but not see. To close a door, not open one. At Pepper Money, we think differently. And we’re here to support you completely.

Part of the global Pepper Group, Pepper Money is an award-winning UK-based specialist lender who takes a human approach to underwriting. Our customers range from; first-time buyers, buy-to-let investors, those looking to remortgage, or those looking to borrow additional funds secured against their existing property.

Our mortgages and second charge products are available via our broker partners.

For Brokers

Mortgages For Brokers

At Pepper Money, we’re redefining lending norms, looking for a reason to offer to help, rather than refuse it.

We take a human approach to underwriting. By designing products that are easy to understand we can help you place your specialist cases.

Second Charge For Brokers

Our dedicated team work with a range of approved specialist partners to offer second charge mortgages to customers. 

We aim to provide you with second charge mortgage products that meet your client’s individual and personal circumstances.

For Customers

Mortgages For Customers

At Pepper Money, we understand that not everyone has a perfect credit history or receives income, in the same way, each month.

Through our broker partners, we provide mortgages to first-time buyers, home movers, and landlords who are overlooked by high street lenders.

Homeowner Loans

Pepper Money offer tailored fixed, discounted and variable rate homeowner loan products. 

We offer a range of homeowner loans that can be applied for by speaking with one of our trusted broker partners.

Need help with your mortgage case?

To discuss a case, or find out more about our products, call our experienced team. Ready to submit? Log into the application portal to get started, or register if it’s your first case with Pepper Money.


Our customers think we are Excellent

with more than 1000 customer reviews

Looking for a Homeowner Loan?

Whether you’re restructuring your finances, upgrading your home to dream status, or tying the knot in style; we’ve helped customers with over £1.8bn worth of homeowner loans since 2014.