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.
Married couple, Gavin and Linda, lived in South West England and had equity in their home
However, they were turned down by high street lenders despite having good incomes and a strong payment profile
They wanted to remortgage their home to help clear their significant unsecured debts
Pepper Money helped couple to clear their unsecured debts by securing a remortgage they needed
Being able to secure a remortgage wasn’t as simple as they hoped. They’d encountered unexpected and significant costs, and without savings, had a large amount of unsecured debt across 22 separate credit agreements.
Despite having good incomes and a strong payment profile, they were turned away by high street lenders because of their credit score. James Enos, of Bright Financial Solutions, knew this was a case for a specialist lender.
Our underwriters were able to consider Gavin and Linda’s circumstances, including their incomes and payment profile and agreed to a debt consolidation remortgage up to 85% LTV.
This included a sum of £85,000 that was advanced directly to their solicitor, who used the funds to pay off the outstanding unsecured credit balances.
As a result of paying off these balances, Gavin and Linda were able to reduce their commitments by £800 a month.
This was a huge amount of money for the couple and so the debt consolidation remortgage with Pepper Money made a positive impact on their lives.
When they decided to buy a larger home to accommodate their growing family and Alison's…
Working on DIP referrals received on:
Responding to application portal broker messages on:
Reviewing applications sent to our underwriters on:
Working on applications received on:
Currently reviewing valuations received on:
Answering calls in less than (average speed):