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Happy Holidays. Our Christmas Customer Service opening hours are: 19 – 23 December: 9am – 6pm  I  24 – 27 December: Office closed 

28 – 30 December: 9am – 6pm  I  31 December – 2 January: Office closed

Brokers/intermediaries please refer to our Broker portal for our Christmas servicing hours.

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Pepper money

Almost Primers

Owning a home can be a steep learning curve. Many of your clients will have overextended themselves at some point, even if they’re now well on the way to getting back on track.

Customers

Help your customer get back to Prime

At Pepper, we believe past decisions shouldn’t stop people achieving their goals. Our range of flexible and affordable products are designed to help your clients remortgage or move home – and take their last step towards becoming Prime borrowers.

Who are Almost Primers?

  • Home-owning families
  • Middle-aged, middle management
  • Previously stretched finances
  • Now living comfortably

Lending Criteria

  • Unsecured credit won't affect product tier
  • Missed payments accepted
  • Light range available for those with no CCJs
  • Debt consolidation up to max LTVs
  • Up to 85% LTV available
  • Universal Credit and DLA now accepted as sources of income

Excellent

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Our customers think we are Excellent

with more than 600 customer reviews

Need help with your mortgage case?

To discuss a case, or find out more about our products, call our experienced team. Ready to submit? Log into the application portal to get started, or register if it’s your first case with Pepper Money.

Login/Register
03333 701 101

Resources

Our Intermediary tool kit has all the information you need

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Product Guides

Residential Product Guide
Help to Buy Product Guide
Shared Ownership Product Guide
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Criteria Guides

Residential Criteria Guide
Help to Buy Criteria Guide
Shared Ownership Criteria Guide
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Packaging

Mortgage Packaging Guide
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Downloads

View all downloads
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Calculators

Residential Calculator
Shared Ownership Calculator
Help to Buy Calculator

For Intermediary use only

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.

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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.

Information

Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

27th January

Responding to application portal broker messages on:

27th January

Reviewing applications sent to our underwriters on:

27th January

Working on applications received on:

27th January

Currently reviewing valuations received on:

27th January

Answering calls in less than (average speed):

< 1 Minutes
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