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 reducing rates across our entire range overnight on Wednesday 24th June.

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 24th June

Full Mortgage Applications for this withdrawn range must be submitted with fees paid by:

4:30pm on Thursday 2nd July

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

We consider people, not credit scores. So you get a fairer – and often more generous – lending decision.

By giving you a little extra flex

We can say ‘yes’ to more of your customers who are just outside our standard criteria, with a modest uplift to the completion fee. All thanks to Pepper 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 reduces rates by 0.20% across its full product range

Pepper Money has announced a 0.20% rate reduction across its full product range, including Residential, Buy-To-Let and Affordable Home Ownership mortgages.

Understanding stamp duty and buy to let

Read about the latest buy to let stamp duty rates and rules. Learn how to calculate your property investment taxes and check your refund eligibility today.

How to get a mortgage when you’re self employed

Can you get a mortgage if you're self-employed? Our guide covers everything from checking affordability to the documents you'll need for your application.

Right to buy mortgages: can I buy my council home?

Buying your council home is a big step. We can often use your discount as a deposit, even with bad credit. Talk to us today to see how we can help you.

Shared ownership and equity mortgages

Thinking about shared ownership or an equity mortgage? We're here to help you understand the difference so you can find the right path to your new home.

Can I get a mortgage with payday loans?

Concerned about how payday loans affect your mortgage application? Read more on how specialist lenders look at the context of your credit history.

Resources

Broker toolkit and guides

Our Broker Toolkit has all the information you need for Products, Calculators and Guides