Find all the material you need for your next first charge application

First Charge - Intermediary

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Residential criteria guide
This contains all the criteria related to our Residential range.
September 2025PDFDownload
Residential product guide
This contains all the information about our Residential range.
September 2025PDFDownload
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Buy to Let criteria guide
This contains all the criteria related to our Buy to Let range.
September 2025PDFDownload
Buy to Let product guide
This contains all the information about our Buy to Let range.
September 2025PDFDownload
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Limited Company Buy to Let criteria guide
This contains all the criteria related to our Limited Buy to Let range.
September 2025PDFDownload
Limited Company Buy to Let product guide
This contains all the information about our Limited Buy to Let range.
September 2025PDFDownload
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First Homes Criteria Guide
This contains all the criteria related to our First Homes range.
September 2025PDFDownload
First Homes Product Guide
This contains all the information about our First Homes range.
September 2025PDFDownload
First Homes Application Portal Guide
This contains all the information about our First Homes application portal.
September 2025PDFDownload
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Right to Buy Criteria Guide
This contains all the criteria related to our Right to Buy range.
September 2025PDFDownload
Right to Buy Product Guide
This contains all the information about our Right to Buy range.
September 2025PDFDownload
Right to Buy Application Portal Guide
This contains all the information about our Right to Buy application portal.
September 2025PDFDownload
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Help to Buy Criteria Guide
This contains all the criteria related to our Help to Buy range.
September 2025PDFDownload
Help to Buy Product Guide
This contains all the information about our Help to Buy range.
September 2025PDFDownload
Help to Buy Application Portal Guide
This contains all the information about our Help to Buy application portal.
September 2025PDFDownload
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Shared Ownership criteria guide
This contains all the criteria related to our Shared Ownership range.
September 2025PDFDownload
Shared Ownership product guide
This contains all the information about our Shared Ownership range.<br />
September 2025PDFDownload
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Pepper Your Guide
We’ve compiled a detailed guide to give you all you need to submit an application to us quickly and efficiently.
September 2025PDFDownload
Free Legals Remortgage Guide
This guide is designed to provide you with information around our Free Legals Remortgage proposition, including what to expect, timeframes, hints and tips, costs breakdown and extra steps to consider.
September 2025PDFDownload
Customer Working Age Form (Single Applicant)​
Please use this document if the mortgage is going beyond your client’s 66th birthday and you need to sign this declaration before you submit an application. In all other situations use the personalised declaration that’s provided once an application is submitted on our application portal.
September 2025PDFDownload
Customer Working Age Form (Joint Applicants)​
Please use this document if the mortgage is going beyond your client(s) 66th birthday and you need to sign this declaration before you submit an application. In all other situations use the personalised declaration that’s provided once an application is submitted on our application portal.
September 2025PDFDownload
Application details
This document can be used to capture your client’s details before entering the case on to our application portal. Please don’t upload this form as part of any applications.
September 2025PDFDownload
Application form declaration
Please use this document if you need your client(s) to sign a declaration before you submit an application. In all other situations use the personalised declaration that’s provided once an application is submitted on our application portal.
September 2025PDFDownload
Tariff of charges
This document details all the fees and charges your clients may incur.
September 2025PDFDownload
Application portal guide
This guide will help you navigate around and submit a case on our new application portal.
September 2025PDFDownload
Confirmation of gifted deposit
This template can be used if your client is receiving a gifted deposit to assist in the purchase of a property.
September 2025PDFDownload
Broker declaration
This document is to be signed by the intermediary who provided the advice to the applicants.
September 2025PDFDownload
Direct debit mandate
Supplement to the main application form – for applicants looking to set up a direct debit.
September 2025PDFDownload
Credit Reference Agency Information Notice (CRAIN)
This document describes how the three main credit reference agencies Callcredit, Equifax and Experian, each use and share personal data.
September 2025PDFDownload
DMP supplementary information sheet
You’ll need to fill in this form and upload it to our application portal for any applications where your client is in an active Debt Management Plan.
September 2025PDFDownload
Terms of Business Intermediaries
Please read these Intermediary Terms carefully. By using the Pepper Online Application System and/or submitting Applications to us, you agree to be legally bound by these Intermediary Terms.
September 2025PDFDownload
Transfers of Equity Fact Sheet
Questions about Transfers of Equity with Pepper Money.
September 2025PDFDownload
Pepper Money USP Sheet
All the benefits of placing your Residential and Affordable Home Ownership cases with us
September 2025PDFDownload
Pepper Money E-Signature Guide
Customer prcoess guide for adding e-dignatures to review offer
September 2025PDFDownload
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Mortgage budget planner
This planner will help calculate how much your client can afford to pay based on their budget.
September 2025PDFDownload
Portfolio Schedule
All buy-to-let Landlords will need to complete the form and save the PDF,.
September 2025FORMComplete Form

Service levels

Our latest service levels

Our latest Pepper Money service levels show how quickly we’re currently processing mortgage applications on behalf of our customers. 

What we’re working on

October 17, 2025 7:42 pm

Our call capacity (average)

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Referrals

Working on DIP referrals received on:

17th October

Messages

Responding to application portal broker messages received on:​

17th October

Reviews

Reviewing offer assessment sent to our underwriters on:​

17th October

Applications

Working on applications received on:​

17th October

Valuations

Currently reviewing valuations received on:​

17th October

Calls

Answering calls in less than (average speed):​

< 2 minute(s)

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.