For our customers

Our mission is to help people succeed

We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.

We understand that not all people with a less than perfect credit history are still in financial difficulty. Unexpected life events and financial mistakes happen. If you are back on track with your finances and able to meet mortgage repayments, we don’t believe past events should stop you from being considered for a mortgage.

Buy To Let Mortgage Advisers expect no decrease in purchases after Stamp Duty Land Tax holiday ends - Pepper Money

Homeowner Loans

Whether you’re looking at making home improvements or want to consolidate your debt, we could help.​

Residential Mortgages

Whether you're a first time buyer or a homeowner looking to move, Pepper Money could help you.

First Homes Mortgages

First Homes is a government scheme that provides Hopeful Homeowners the option to purchase a new build home.

Pepper Money First Homes

Right to Buy Mortgages

We understand real-life happens and blips should not prevent ambitious Hopeful Homeowners from buying a home.

Help to Buy Mortgages

Our Help to Buy mortgages can help you buy your first property with just a 5% deposit.

Shared Ownership Mortgages

If you're looking to purchase a Shared Ownership property Pepper Money could help you.

What we do

Here are just some of the situations we may be able to help with


Complex income

People are increasingly earning incomes from multiple sources; commission, overtime, bonuses, investments and multiple jobs. Not all lenders will consider a mortgage application for those with multiple income sources, but we may be able to help.


Self employed

It's commonly believed that if you are self-employed you must wait years and years before applying for a mortgage. With Pepper Money, that's not always true. We may be able to give you a mortgage, even if you've been trading for just a year.


Mortgage after CCJs or Defaults

If you have a CCJ or a default you may think you won't be able to get a mortgage until these no longer show on your credit report. Our products are suitable for borrowers who had CCJs and defaults from as recent as 6 months ago.


First-time landlord

Sometimes it can be difficult finding a mortgage for your first Buy to Let property, but if you've made regular mortgage payments before and can prove you're able to meet your mortgage requirements, we may be able to give you a mortgage.

Currently have a mortgage or loan with us?

If you already have a homeowner loan or mortgage with us, and have any questions about your account, let us know.

Find a Mortgage Broker

Our products are only available through mortgage advisors. Find a mortgage broker that we recommend today.