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, Manchester, and Manila, Pepper Money offers a range of first charge and second charge mortgages to customers who are often overlooked by high street lenders.

Following FCA approval in 2025, Pepper Money UK became a standalone UK-regulated entity. Supported by teams across the UK and the Philippines, we remain focused on helping people succeed with their mortgage goals.

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

2025

2022

2020

2019

2018

2017

2016

2015

2014

2013

2012

2011

2006

2000

2025

Pepper Money UK transitioned to operating as a standalone UK-regulated entity, following the receipt in December 2025 of the Financial Conduct Authority’s (FCA) approval of the change in regulatory control.

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 key offices based in Cardiff, London, Manchester, and Manila.

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

Manila

Level 25, Uptown Tower 3

Bonifacio Global City

Taguig

1634

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.

Pepper Money launches new five-year buy-to-let range with 2% fee

Pepper Money has launched a new five-year fixed buy-to-let (BTL) product range featuring a 2% product fee, with rates starting from 5.70%.

Pepper Money cuts rates across Residential and Buy to Let ranges

Pepper Money has reduced rates across its Residential and Buy to Let ranges, giving brokers more competitive options to support customers whose circumstances may require a more flexible approach than the high street can offer.

Pepper Money appoints Michael Walsh as Regional Development Manager for Scotland

Pepper Money has appointed Michael Walsh as Regional Development Manager (RDM) for Scotland to lead its broker engagement ahead of the launch of its First Charge mortgage proposition in the region this September.

When is a bridging loan better than a mortgage or remortgage?

Discover when a bridging loan may be a better option than a mortgage or remortgage, and how it can support time-sensitive property deals.

What’s a holiday let mortgage?

Learn what a holiday let mortgage is, how it differs from buy to let, and what lenders require for short-term rental properties

What is a retirement interest-only (RIO) mortgage?

Understand how retirement interest-only mortgages work, who they’re for, and how they can help older borrowers manage finances.