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    • Mortgages

    At Pepper Money, we understand that not everyone has a perfect credit history or receives income, in the same way, each month. We understand that unexpected life events and financial mistakes happen.

    • Residential Mortgages
    • Affordable Home Ownership

    Our lending decisions aren’t solely based on a credit score. Our human approach to underwriting allows us to reach a fairer outcome for a broad range of customers.

    • Shared Ownership Mortgages
    • Help to Buy Mortgages
    • Frequently asked questions

    We have the answers we often get asked by potential applicants, if you’re in the process of applying for a mortgage, or you have a mortgage with us, we have all you need to know.

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    Mortgages

    • Mortgages

    At Pepper Money, we understand that not everyone has a perfect credit history or receives income, in the same way, each month. We understand that unexpected life events and financial mistakes happen.

    • Residential Mortgages
    • Buy to Let Mortgages
    • Affordable Home Ownership

    Our lending decisions aren’t solely based on a credit score. Our human approach to underwriting allows us to reach a fairer outcome for a broad range of customers.

    • Shared Ownership Mortgages
    • Help to Buy Mortgages
    • Frequently asked questions

    We have the answers we often get asked by potential applicants, if you’re in the process of applying for a mortgage, or you have a mortgage with us, we have all you need to know.

    • Thinking of applying?
    • Application in progress?
    • You have a mortgage with us?
    • Existing Customers

    If you have a mortgage with Pepper Money, here are the answers to some frequently asked questions from our customers.

    • Existing Customers
    • Money Worries
    • Your Account
    • Payments & Fees
    • General Questions
    • Making a Complaint
    • Keeping Your Money Safe
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  • Intermediary

    Intermediary Mortgages

    Second Charge

    • Customers

    Life can be complex, and the needs of your customers can be too. As a specialist mortgage lender, we’re here for you, to help them succeed.

    • Customers
    • Affluent Borrowers
    • Almost Primers
    • Comfortable Consolidators
    • Recent Recoverers
    • Hopeful Homeowners
    • Customer Support
    • Products

    We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.

    • Residential Mortgages
    • Shared Ownership Mortgages
    • Help to Buy Mortgages
    • Criteria

    Our mortgage criteria is designed to help your customers with unique circumstances who would benefit from a more human underwriting approach.

    • Residential Criteria
    • Shared Ownership Criteria
    • Help to Buy Criteria
    • Calculators

    Our mortgage calculators will help to give you an indication of how much we could lend your customers and it’s super quick and really simple to use.

    • Residential Calculator
    • Shared Ownership Calculator
    • Help to Buy Calculator
    • Resources

    Find all the material you need for your next specialist Residential, Affordable Home Ownership or Buy to Let Mortgage application.

    • Intermediary Mortgage Sales Team
    • Downloads
    • Solicitor Panel
    • Broker Onboarding
    • Intermediary Checklist
    • Buy to Let Portfolio Schedule
    • Specialist Lending Study
    • Contact Us
    • Second Charge Mortgages

    Our dedicated team work with a range of approved specialist partners to offer second charge mortgages to customers. 

    • Mortgage Products
    • Mortgage Criteria
    • Broker Registration
    • Second Charge Sales Team
    • Contact Us
  • Existing Customers

    Existing Customers

    • Existing Customers

    If you have a mortgage with Pepper Money, here are the answers to some frequently asked questions.

    • Existing Customers
    • Money Worries
    • Your Account
    • Payments & Fees
    • General Questions
    • Making a Complaint
    • Keeping Your Money Safe
    • Frequently asked questions

    We have the answers we often get asked by potential applicants, if you’re in the process of applying for a mortgage, or you have a mortgage with us, we have all you need to know.

    • Thinking of applying?
    • Application in progress?
    • Useful Pages
    • About us
    • News
    • Feedback
    • Contact us
    • Careers
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Author: Justin Gould Davies

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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. 

Pepper money

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  • Embrace Specialist Lending - A Customer's Plea to Brokers

  • Home Truths: Are brokers really still turning away specialist customers?

  • Pepper Money launches reduced fee remortgage proposition

  • ‘The Specialist’ interview with Rob Barnard

  • Second charge mortgage can answer tax bill question for customers

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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.

Pepper Money Limited t/a Pepper Money is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 811609 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. Registered Office: Harman House, 1 George Street, Uxbridge, London UB8 1QQ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.

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Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

24th March

Responding to application portal broker messages on:

24th March

Reviewing applications sent to our underwriters on:

24th March

Working on applications received on:

24th March

Currently reviewing valuations received on:

24th March

Answering calls in less than (average speed):

< 1 Minutes
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    • Residential Mortgage Products
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    • Shared Ownership Mortgage Products
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  • Intermediary – Second Charge
    • Second Charge Mortgage Products
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