Recent Recoverers

From the nurse with a less-than-perfect credit history to a zero-hour contractor with fluctuating monthly income – we believe hard-working people deserve every opportunity to turn their financial fortunes around.


Let’s realise their next ambition

Pepper’s flexible and affordable products are designed to support Britain’s backbone. Helping your clients as they start to bounce back from past decisions and give them a clear, achievable roadmap to recovery.

Who are Recent Recoverers

Lending Criteria


Figtree Financials was able to place their Debt Management Plan and Default customer with Pepper Money

Kerrie Kendell, Mortgage & Protection Adviser from Figtree Financial, says:
This was a difficult case to place because of the historic DMP. Even though many lenders came up on the criteria sourcing systems as considering DMPs, when I spoke to them, they said they were unable to accept the application. However, Regional Development Manager, Max Hill and Pepper Money did, just as it said in its criteria. Max and the team were so easy to deal with and the requirements weren’t exhaustive. They really do seem to take a common approach from an underwriting point of view, and that delivered a great result for our customers.
Kerrie Kendell
Figtree Financial
Ryan Brailsford, Director of Business Development at Pepper Money, says:
At Pepper Money, we often work with customers that we like to call Recent Recoverers. These are people who may have had historic credit issues but are now able to demonstrate the affordability to service a new mortgage. By taking an individual approach to underwriting every application and being transparent in our criteria and requirements, we make it easy for brokers to help their customers with credit blips to progress their plans.
Ryan Brailsford
Pepper Money
Ryan Brailsford Head of Sales at Pepper Money


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