Careers

If you’re looking for a new, exciting career opportunity or want to kick start your career in a fast-paced environment, this is the place for you!

News

From our latest product announcement to the events we’ve been to find out what’s been going on at Pepper Money

Blog

Keep up to date with all the latest specialist lending trends, including insights from our industry experts

About Us

Pepper Money is an award-winning UK specialist mortgage lender

Based in Cardiff, London, and Manchester, 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.

Some of our latest awards

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 History

Here are some of our key milestones

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 Finance SCA.

2000

An opportunity to help an underserved corner of the market is identified and Pepper is born.

Our Offices

How to find us

We have three key offices based in the UK. Cardiff, London and Manchester

Cardiff

4 Capital Quarter

Tyndall Street

Cardiff

CF10 4BZ

London

1st Floor

42 Berners Street

London

W1T 3ND

Manchester

4th Floor, Arkwright House

Parsonage Gardens

Manchester

M3 2LF

Careers At Pepper Money

We’re on the most exciting journey – want to join us?

If you’re looking for a new and exciting career opportunity or want to kick start your career in a fast-paced environment, this is the place for you!

We really do believe that our people are our main competitive advantage – the ‘thing’ that sets us apart from our competitors. To this end, we want to ensure that we recruit and retain the very best people.

Articles & Blogs

A little further reading

If you’d like to dig deeper, read our articles and blogs for the best Homeowner Loan content and insight.

What is loan to value?

What is loan-to-value (LTV)? Learn how LTV affects your mortgage, why it matters to lenders, and how to get the best rates based on your deposit size.

Do first-time buyers pay stamp duty?

Do first-time buyers have to pay stamp duty? Learn about the UK’s stamp duty rules, exemptions, and how much you might need to pay when buying your first home.

How to get a mortgage as a first-time buyer?

Buying your first home? This step-by-step guide walks you through the entire mortgage process, from saving a deposit to getting approved and securing your home.

What are mortgage interest rates if you are self-employed?

What are mortgage interest rates if you're self-employed? Learn how lenders assess self-employed applicants, factors affecting rates, and tips to secure the best deal.

How do I calculate loan to value?

Wondering how to calculate loan-to-value (LTV)? Learn the simple formula, why LTV matters for mortgages, and how it affects interest rates and borrowing options.

Can you use gifted money for a house deposit?

Can you use gifted money for a house deposit? Learn how mortgage lenders view gifted deposits, what proof is required, and potential tax implications.