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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
Manooch Suree, from Zinga Financial Services, says:
Our customer was self-employed and the business had suffered during Covid. A historic financial mishap also made the case more difficult to place, but Pepper Money was able to base affordability on the most recent year’s accounts and accept customers with less than perfect credit history. They took a logical, customer-centric approach and worked at speed to get the deal done. The underwriter on the case was very helpful and always called us following an email to explain the requirements and why they were being asked.
Manooch Suree
Zinga Financial Services
Ryan Brailsford Pepper Money
Ryan Brailsford, Director of Business Development at Pepper Money, says:
Covid impacted many businesses and, with some lenders, a drop in income over the last three years can make it difficult to get a mortgage. But at Pepper Money, we can base affordability on the latest year’s accounts for self-employed customers and, with our considered approach to adverse credit, we were able to help these Almost Primers into their new home. We worked in collaboration with Manooch and the team at Zinga Financial Services to make sure an offer was issued quickly, and the case completed smoothly. When it comes to customers who don’t fit high street criteria, Pepper Money should be a broker’s first call.
Ryan Brailsford
Pepper Money

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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.

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03333 701 101

Resources

Our Intermediary tool kit has all the information you need

Product Guides

Residential Product Guide
First Homes Product Guide
Right to Buy Product Guide
Help to Buy Product Guide
Shared Ownership Product Guide

Criteria Guides

Residential Criteria Guide
First Homes Criteria Guide
Right to Buy Criteria Guide
Help to Buy Criteria Guide
Shared Ownership Criteria Guide

Packaging

Mortgage Packaging Guide

Calculators

Residential Calculator
First Homes Calculator
Right to Buy Calculator
Shared Ownership Calculator
Help to Buy Calculator

Downloads

View all downloads

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.

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Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

4th October

Responding to application portal broker messages on:

4th October

Reviewing applications sent to our underwriters on:

4th October

Working on applications received on:

4th October

Currently reviewing valuations received on:

4th October

Answering calls in less than (average speed):

< 1 minute(s)
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