Homeowner Loan


Home Truths: Supporting Hopeful Homeowners with RTB

Taking a first step onto the property ladder has been a significant challenge for Hopeful Homeowners for quite some time now. Today, even though the property market has slowed, the lack of supply of properties coming onto the market is bolstering prices. At the same time, potential first-time buyers must contend with the cost-of-living crisis […]

Pepper Money Enhances Range and Cuts Rates

Pepper Money has enhanced its mortgage range with the launch of new Limited Edition products.  The specialist lender has launched new 65% LTV rates on its popular Pepper 48 and Pepper 48 Light ranges, which now includes the two year fixed, 2 -year, Tracker, 5-fixed and Lifetime Tracker options  The increase range expansion has also […]

Choose your lender carefully for self-employed using one year’s accounts

Mortgage affordability continues to be a hot topic, particularly when it comes to the self-employed. According to data released by Mortgage Broker Tools (MBT) earlier this year, prior to the Mini Budget in September 2022, 28% of mortgage enquiries from self-employed applicants were unable to achieve the loan size requested as they were considered unaffordable. […]

Brokers positive about business volumes in the next 12 months

Mortgage brokers remain positive about the outlook for their business volumes in the next 12 months, despite the challenging economic environment, according to new research from Pepper Money.   Research conducted amongst more than 500 brokers found that 41% think their business volumes will increase, 26% think business volumes will stay the same, and only 33% […]

Rising consumer credit commitments can be tackled by Debt Consolidation

Another increase in the Bank of England Base Rate at the end of March was accompanied by the usual round of speculation about the impact on mortgage customers. However, when rates rise, it’s not just mortgages that become more expensive of course. It impacts all forms of borrowing.  According to the comparison website, CreditCards.com, the […]

More than 2 Million Potential Customers for Right to Buy

There are more than 2 million potential customers for Right to Buy in England and Wales, according to new research commissioned by Pepper Money.  The specialist mortgage lender partnered with YouGov to conduct a survey of more than 6,000 adults in England and Wales. It found that 11% currently rent their home from a local […]

Pepper Money Launches Right to Buy Mortgage Range

Pepper Money has strengthened its Affordable Home Ownership proposition with the launch of specialist mortgages for customers who are buying a home using the Right to Buy scheme.  Pepper Money’s new Right to Buy mortgages will allow eligible council tenants in England to buy their home with a discount of up to £96,010 or, if […]

Pepper Money replaces Cheques with Electronic Payments as part of its ESG commitment

Pepper Money has enhanced its payment process by replacing the majority of cheque payments on its second charge mortgage lending with electronic payment methods as part of the lender’s commitment to Environmental, Social and Governance (ESG) initiatives.  Last year, Pepper Money sent more than 10,000 cheques to customers on the completion of their second charge […]


Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

2nd June

Responding to application portal broker messages on:

2nd June

Reviewing applications sent to our underwriters on:

2nd June

Working on applications received on:

2nd June

Currently reviewing valuations received on:

2nd June

Answering calls in less than (average speed):

< 1 minute(s)