We know how frustrating just-off-high-street cases can be.
But you’re in the right place to find an offer that suits your customers
and a process that takes the stress out of what can feel like hell.
No painstaking paperwork
Our easy online portal keeps your case moving, and we’re clear on what we need upfront.
Less time-consuming process
We can issue a DIP in four hours, and if you need to call us, you’ll be speaking to one of our team in under a minute. As for reviewing applications and uploaded documents, we do that in a day or less.
Access to dedicated underwriters
When you call Enquiries, the last six digits of your application number are your direct line to a dedicated underwriter. Or, you can talk to us on live chat. Should your application be declined, a senior underwriter will review it, so your customers have every chance of a yes.
Flexible approach to affordability
As an inclusive lender, we accept more types of income. And product tiers don’t change for customers with unsecured debt.
Certainty of decisions
We never use credit scores, so we don’t cascade to more expensive products. We also underwrite manually, so you don’t have to worry about an automated process.
Self-employed customers
• One year or most recent year’s figures accepted
• Salary and net profit accepted if 50% of the business is owned
• Dividends and net profit accepted if 25% of the business is owned
• We accept three months’ bank statements
• Capital raising up to max LTV, including for debt consolidation
• Income from two sources accepted
Other additional remuneration considered:
– Use of home office
– Car allowance
– Pension contributions
– Private health
First time buyers
- Gifted deposits accepted
- No credit scoring
- Up to 40-year terms available
- 100% concessionary purchases available
- No debt-to-income ratio
- Affordability based on 100% of shift allowance
- Unsecured missed payments accepted
- Shared Ownership range to help customers with smaller deposits
- Universal Credit and Disability Living Allowance now acceptable sources of income
Remortgage customers
- Can be used as an alternative for product transfer
- Capital raising up to maximum LTV
- No debt-to-income ratio
- Additional income from Universal Credit and Disability Living Allowance accepted
- We lend up to 60% LTV on interest only, with no amendment to criteria
Purchase customers
- Up to 40-year terms available
- One year or most recent year’s figures accepted for the self-employed
- No debt-to-income ratio
- No credit scoring
- We lend up to 60% LTV on interest only, with no amendment to criteria
Multiple income streams accepted:
– 100% bonus, overtime and commission evidenced over the last three months
– Second jobs when in role for three months
– 100% of second incomes, monthly commission and car allowance
– Benefit income
To discuss a case, call our experienced team – they’re ready and waiting.
If you’re good to go, login or register to start your application.
CASE STUDIES
A little further reading
on how you can help your just-off-high-street customers
A Pepper Money case study – Interest Only
A Pepper Money case study – Self Employed
A Pepper Money case study – Concessionary Purchase
A Pepper Money case study – Missed Payments
Resources
Broker toolkit and guides
Our Broker Toolkit has all the information you need for Products, Calculators and Guides