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 making changes across our entire range overnight on Tuesday 1st September.

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 Tuesday 1st September

Full Mortgage Applications for this withdrawn range must be submitted with fees paid by:

5pm on Wednesday 9th September

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.

Pepper Money cuts rates across Residential and Buy to Let ranges

Pepper Money has reduced rates across its Residential and Buy to Let ranges, giving brokers more competitive options to support customers whose circumstances may require a more flexible approach than the high street can offer.

Pepper Money appoints Michael Walsh as Regional Development Manager for Scotland

Pepper Money has appointed Michael Walsh as Regional Development Manager (RDM) for Scotland to lead its broker engagement ahead of the launch of its First Charge mortgage proposition in the region this September.

When is a bridging loan better than a mortgage or remortgage?

Discover when a bridging loan may be a better option than a mortgage or remortgage, and how it can support time-sensitive property deals.

What’s a holiday let mortgage?

Learn what a holiday let mortgage is, how it differs from buy to let, and what lenders require for short-term rental properties

What is a retirement interest-only (RIO) mortgage?

Understand how retirement interest-only mortgages work, who they’re for, and how they can help older borrowers manage finances.

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.

Resources

Broker toolkit and guides

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