Scotland, Pepper will soon be here

We’re here to help you secure the right mortgage for more of your customers.

We’ll be supporting you and customers across mainland Scotland with specialist Residential and Buy to Let mortgages, including Limited Company and HMOs. We’re here with a strong understanding of the Scottish home-buying process, dedicated regional support, and service that’s second to none.

More opportunities for more customers

From customers with complex income or a limited credit history to first-time landlords and smaller portfolio landlords, we’re here to help you explore more ways forward.

Here to help you support more customers

Every customer has a story. Not every story fits the mould of a high street lender.

Our specialist expertise and human underwriting approach can help you support a wider range of customer circumstances, including:

Customers rebuilding after credit challenges and missed secured credit payments
Customers with complex, multiple, or variable income sources
Recently self-employed customers
First-time buyers with smaller or gifted deposits
Customers with limited credit histories
Customers looking to consolidate unsecured debt
First-time landlords who already own their home
Smaller portfolio landlords with up to 10 properties

Every application is assessed by experienced underwriters who consider the full picture and the customer circumstances presented to us.

Here with a deep understanding of Scottish home buying

Buying a home in Scotland follows a distinct process, from Home Reports and Offers Over, conclusion of missives and completion. We’ve developed our proposition, guidance, and support around these key stages with the help of brokers in Scotland, supporting you place cases with clarity from day one.

Home Reports and valuations

We’ll accept Home Report retypes on Residential purchase applications with the exceptions of new builds and concessionary purchases. Buy to Let applications require a full valuation. AVMs area accepted on residential remortgages where qualify.

Progressing to completion

Once an offer has been issued, our broad panel of Scottish solicitors can support the case through to completion.

Here with service that's second to none

Supporting more customers matters. So does having certainty in the lender you’re working with. That’s why our proposition is built around the access, communication, and practical support brokers need during the application journey.

Human underwriting

Every application is individually assessed by experienced underwriters who look at the full picture. If an application falls outside of our standard criteria, we'll always give it a second review to ensure we're providing you with an outcome.

Direct access to decision-makers

You’ll have direct access to your dedicated underwriter during the application process, helping you get answers and keep cases moving.

Fast turnaround times

We’re committed to the turnaround times brokers have come to expect from Pepper during the DIP and application process.

Support from application to completion

From the first discussion to completion, specialist support is available to help you place cases with clarity.

Here's everything you need, in one place

Practical guidance to help you understand the journey, prepare applications, and start placing Scottish cases with Pepper.

Scotland packaging checklist

A practical checklist to help you package applications accurately and efficiently.

We're here when you're ready

Whether you’re exploring a specialist Residential case, helping a first-time landlord or supporting a smaller portfolio landlord, we’re here to help you secure the right mortgage for more of your customers.