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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. 

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 Finance SCA.

2000

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

Our Offices

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

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!

Careers at Pepper

Gender Pay Gap

The Gender Pay Gap reporting gives a snapshot of the gender balance within an organisation regardless of their role or seniority. The gender pay gap shows the gap between the mean and median earnings of females and males and the bonus pay gap shows the gap between the mean and median bonus paid to females and males.

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Latest news

News

‘The Specialist’ interview with Rob Barnard

In 2022 Pepper Money launched its very own podcast series we called ‘The Specialist’, hosted by Intermediary Relationship Director, Rob Barnard. We caught up with Rob to chat about the first series and what’s in store for Series Two.

Read more »
February 7, 2023