For Customers
What We're About
A human approach to lending
We provide mortgages to first-time buyers, home movers, and the self-employed who are often overlooked by high street lenders. And we offer homeowner loans to help consolidate debt or fund big expenses such as home improvements, school fees or weddings.
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.
WHAT WE OFFER
Our mission is to help people succeed
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.
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.
CUSTOMERS
How we can help you
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.
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.
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.
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.
Let Us Help
Find you the perfect mortgage broker
We believe that everyone should have the opportunity to be able to buy a home. Which is why we look at each case individually.
Articles & Blogs
A little further reading
If you’d like to dig deeper, read our articles and blogs for the best Homeowner Loan content and insight.
Can you use gifted money for a house deposit?
Getting a mortgage with adverse credit
Who is the best mortgage lender if you have a low credit score?
Will I get a mortgage with a low credit score?
How many years do you need to be self-employed to get a mortgage in the UK?
