Homeowner Loan


Case Studies

Remortgaging to pay off debts

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.

James Enos of Bright Financial Solutions

“There are many cases of clients who have faced financial difficulties. But this doesn’t necessarily mean they won’t be able to afford mortgage repayments now. Specialist lenders like Pepper Money are able to look at these cases without basing their decision on a credit score.”


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