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 Monday 3rd August.

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 Monday 3rd August

Full Mortgage Applications for this withdrawn range must be submitted with fees paid by:

4:30pm on Friday 7th August

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.

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.

Shared ownership staircasing explained

Learn how shared ownership staircasing works, the costs involved, and how to increase your share in a property step by step.

The cost of being a landlord

Understand the true cost of being a landlord, from upfront fees to ongoing expenses, and how to budget for a profitable rental portfolio.

SPV buy to let mortgages explained for limited company landlords

Discover how SPV buy to let mortgages work, why landlords use limited companies, and what lenders look for in SPV applications.

Pepper Money announces plans to launch First Charge Mortgages in Scotland

Pepper Money has announced plans to launch its First Charge mortgage proposition in Scotland this September, strengthening its commitment to supporting brokers and customers with more complex borrowing needs.

Renters’ Rights Act: changes for private tenants

Explore the latest Renters’ Rights Act changes and what they mean for private tenants, landlords, and the future of rental agreements.

Is a guarantor mortgage suitable for first-time buyers?

Explore how guarantor mortgages work and whether they’re a good option for first-time buyers struggling to meet standard criteria.

Resources

Broker toolkit and guides

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