About us

Pepper Money is an award-winning UK specialist mortgage lender

Based in Cardiff and Uxbridge Pepper Money offer a range of first charge and second charge mortgages to customers who are often overlooked by high street lenders.

We are part of the global Pepper Group with our head office being in Sydney, Australia. The Group operates various businesses in Europe, Asia, and the Pacific regions, with over 1,000 employees worldwide. In 2017 it was acquired by leading global investment firm KKR & Co Incorporated. 

Our awards

Award winning service

Our aim is to provide outstanding service to our customer’s and broker partners. We’re delighted when this commitment is recognised with an industry award.

Our story so far

2022
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2006
2000
2022
Pepper Money and Optimum Credit integrate to become UK Mortgage Lending Ltd trading as Pepper Money.
2020
Despite the global pandemic Pepper Money continues to lend completing two securitisations worth £629m.
2019
Pepper Money formally separates from Pepper UK under its own FCA approved registration.
2018
Pepper Money acquires the Second Charge lender Optimum Credit.
2017
KKR, a leading US private equity firm acquires over 50% of Pepper group.
2016
The Pepper Money brand launches, capturing our range of retail finance products around the world.
2015
Pepper UK starts lending as Pepper lists on the Australian stock exchange.
2014
Pepper Spain starts lending.
2013
Pepper acquires Oakwood servicing platform in the UK and Evergreen Savings Bank in South Korea.
2012
Pepper acquires GE Capital's Irish mortgage business and servicing platform.
2011
Major shareholder Merill Lynch is bought by Bank of America. Later that year the current management buy Pepper.
2006
Pepper is acquired by Oakwood Global Finace SCA.
2000
An opportunity to help an underserved corner of the market is identified and Pepper is born.

Careers at Pepper Money

At Pepper Money, everything we do is to help people succeed, from our employees to our customers. If you’re looking for a new and exciting career opportunity or want to kick start your career in a fast-paced environment, Pepper Money is the place for you!

We like to talk about it

Latest news

What is a secured debt consolidation loan?
Consolidation loan: The pros and cons
Home improvement loans explained
5 Exciting Uses for a Large Home Improvement Loan

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.

Information

First Charge Service Levels

Intermediary - First Charge

Working on DIP referrals received on:

27th May

Responding to application portal broker messages on:

27th May

Reviewing applications sent to our underwriters on:

27th May

Working on applications received on:

27th May

Currently reviewing valuations received on:

27th May

Answering calls in less than (average speed):

< 1 Minutes
Retail Calculator | Optimum Credit
£

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

Pepper money