Your guide to mortgage products
We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.
PRODUCT WITHDRAWAL NOTICE
The key deadlines for DIPs and FMAs
Please note: we’re increasing rates across our entire range overnight on Wednesday 25th March.
To secure one of our existing products, please submit your Decision in Principle to “DIP Illustration Produced” status with your chosen product selected by:
5pm on Wednesday 25th March
Full Mortgage Applications for this withdrawn range must be submitted with fees paid by:
12pm on Tuesday 31st March
If you found a suitable product for your customer on a Sourcing System from Thursday 26th March, the rates may have changed, as there’s a slight delay for the new rates being displayed on Sourcing due to the scale of products updated across the market. Please submit a Decision in Principle (DIP) as normal to confirm your customer’s rate.
Our Range
How we help you succeed
We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.
By being easy to work with
Enjoy direct access to a decision maker. Clear, timely communication. And smoother case management thanks to our online portals.
By taking a human approach to decision-making
By giving you a little extra flex
LIMITED EDITION
Mortgage Products
Our new Limited Edition Remortgage products with £750 cashback could be ideal for your customers who need an extra boost post-completion.
What We Offer
Find the right product for your customers
Residential Mortgages
Our product range is secured around your customers most recent financial event including CCJs and defaults.
Second Charge Mortgages
We will help you find the right second charge mortgage deal for your customer based on their individual circumstances.
First Homes Mortgages
First Homes is a government scheme that provides Hopeful Homeowners the option to purchase a new build home.
Right to Buy Mortgages
We understand real-life happens and blips should not prevent ambitious Hopeful Homeowners from buying a home.
Help to Buy Mortgages
We’re here to help your customers take their first steps on the property ladder with out Help to Buy range.
Shared Ownership Mortgages
Our Shared Ownership Mortgage products can help your customers to buy a share of a new build property.
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.
Article & Blogs
A little further reading
If you’d like to dig deeper, read our articles and blogs for the best Homeowner Loan content and insight.
Pepper Money Retreat returns for 2026.
How much does an extension add to house value?
Can I get a mortgage in my probation period?
Buy-to-let ownership through limited company or personal: Pros and cons
What is interest coverage ratio?
When will the renters rights bill become law?
Resources
Broker toolkit and guides
Our Broker Toolkit has all the information you need for Products, Calculators and Guides