Mortgages for people with adverse credit
When they decided to buy a larger home to accommodate their growing family and Alison's…
Pepper Money is a leading second charge mortgage provider for homeowners in England, Wales and Scotland. Our aim is to provide you with a homeowner loan that meets your individual and personal circumstances.
With our homeowner loan calculator, you can find out what your repayments might look like each month, and how much you could end up paying.
We have the answers we often get asked by potential applicants, if you’re in the process of applying for a loan, or you have a loan with us, we have all you need to know.
At Pepper Money, we understand that not everyone has a perfect credit history or receives income, in the same way, each month. We understand that unexpected life events and financial mistakes happen.
Our lending decisions aren’t solely based on a credit score. Our human approach to underwriting allows us to reach a fairer outcome for a broad range of customers.
We have the answers we often get asked by potential applicants, if you’re in the process of applying for a mortgage, or you have a mortgage with us, we have all you need to know.
Life can be complex, and the needs of your customers can be too. As a specialist mortgage lender, we’re here for you, to help them succeed.
We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.
Our mortgage criteria is designed to help your customers with unique circumstances who would benefit from a more human underwriting approach.
Our mortgage calculators will help to give you an indication of how much we could lend your customers and it’s super quick and really simple to use.
Find all the material you need for your next specialist Residential, Affordable Home Ownership or Buy to Let Mortgage application.
Our dedicated team work with a range of approved specialist partners to offer second charge mortgages to customers.
We take a more human approach to underwriting, to build a truer picture and reach a fairer outcome. We design products that are easy to understand and simple to place. We strive to make each interaction you have with us easier than the one before. And we share valuable insight and expertise that give you an edge and build your reputation.
That’s why you’ll always find us with our doors and our minds wide open. Ready to challenge convention, read between the lines and see the story behind the numbers. We will find a place for your case with a path to success for your client and your business.
Business owner Tony, wanted to remortgage his Buy to Let property in order to invest in additional properties
Our underwriter was able to quickly understand the issues and process an offer
High street lenders had issues with his income
Previous missed payments meant he had a blip on his credit record
Tony’s previous missed payments several years ago meant that he has a minor blip on his credit record. Although he was now up to date with his payments.
He paid himself a salary as an employee of his limited company, but also received dividends as the owner of the business. This combination of salary and dividends caused issues for some lenders.
Tony’s mortgage application was packaged by Curtis Jay at the Buy to Let Club. He explains:
“In many ways, this was a very straightforward application, but the issues with the historical credit blip, the missed salary and dividend payments meant that for many lenders, Tony’s application was not acceptable.
I spoke to Pepper Money and their underwriter was able to quickly understand the issues and proceed to an offer.
Tony was offered an 80% LTV 2 Year Fixed Rate mortgage and the deal is now in the process of completing.”
When they decided to buy a larger home to accommodate their growing family and Alison's…
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