Pepper money

Welcome to the new Pepper Money

Whether you are new to us, an existing customer or one of our valued intermediary partners we’ve recently been through a period of change. Read down to find out what we do and how we can help you.

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.

All our mortgages are available via intermediaries, alternatively, we can arrange Second Charge products directly via one of our fully qualified advisers.

Do you have questions?

Rest assured that this integration will not impact the way we manage applications or the service our customers and brokers have come to expect, further information on how this change may impact you can be found below

Homeowner Loans

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

We offer a range of homeowner loans that can be applied for by speaking directly to one of our fully qualified mortgage advisors.


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.

Intermediary Mortgages

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 - Intermediary

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.


Our customers think we are Excellent

with 460 customer reviews,

and we score 4.7 out of 5!

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

About Pepper Money

Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers.

Pepper Money is part of the Pepper Group, a diversified, global financial services business, whose senior management team is some of the most experienced in the UK mortgage industry having built a long-lasting reputation for creating innovative, flexible home loan products and services. 

Pepper money

UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.

Pepper Money Limited t/a Pepper Money is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 811609 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. Registered Office: Harman House, 1 George Street, Uxbridge, London UB8 1QQ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.

Retail Calculator | Optimum Credit
Phone number cannot begin with 03 or 08

I confirm that I have read and understood the "How we use your personal data" page.

Pepper money


Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

12th August

Responding to application portal broker messages on:

12th August

Reviewing applications sent to our underwriters on:

10th August

Working on applications received on:

12th August

Currently reviewing valuations received on:

12th August

Answering calls in less than (average speed):

< 1 Minutes