We are aware of scams involving individuals being offered loans for an advanced upfront fee. With the fraudster posing as a representative of a financial services organisation. At Pepper Money we do not charge any fees before the application stage. We would not approach you directly in this way. Your broker will be able to tell you what fees and charges the product you’re applying for has, and when they will be charged. If you think you have been a victim of such a scam, please contact your bank immediately and report it to action fraud.

Application in process

Are you in the process of getting a mortgage with us? Here are the answers to some questions we often get asked

We’re a UK mortgage lender, backed by a global financial institution. We help people who may have been knocked back by high street lenders or are getting back on their feet financially.

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Residential and Buy to Let mortgages

We’re a UK mortgage lender, backed by a global financial institution. We help people who may have been knocked back by high street lenders or are getting back on their feet financially.

If you want to apply for a mortgage and your situation involves any of these things, we may be able to help:

  • Previous financial difficulties
  • Complex income
  • Self-employment
  • Limited credit history

A number of things can affect how long it takes to get a mortgage with us. In some cases, it’s possible to get a mortgage in about the same time you would with any high street lender. In others, we may need you to find more documents or information.

We understand it can take a while to dig these out – we hope you’ll understand it also takes us time to process them manually, review your case, and come back to you.

Because we help people in less straightforward situations, there are times where we’ll need to see documents you may not have to hand. To speed up the process, please try and get any extra documents we ask for to your adviser as soon as you can.

When we receive them from your adviser, we review them in as fair a way as possible. There may be a short delay before we can respond. 

We take our role as a responsible lender seriously. When we look at lending someone money to buy a property, we gather all the information we need to be as sure as we can that they are able to repay the mortgage. The last thing we want is for you to get into financial difficulty. This has several consequences that could ultimately lead to your home being repossessed.

To find out about our fees, you can download our Tariff of Charges here.

Credit reports are provided by credit reference companies like Experian, Equifax, and CallCredit. If you want to look at your credit report, you can go through one of these companies. If something on it looks wrong, get in touch with the company who provided your report, and they’ll help with what to do next.

Note: When we consider your application we check your Equifax credit report, so it may be worth getting your adviser to check this before making your application.

For the fullest answer to this question, please check our privacy policy.

This explains:

  • Who we are
  • How and why we collect, use, and share your information
  • Your rights regarding your information
  • How to contact us
  • Who to contact if you have a complaint

For the fullest answer to this question, please check our privacy policy.

This explains:

  • Who we are
  • How and why we collect, use, and share your information
  • Your rights regarding your information
  • How to contact us
  • Who to contact if you have a complaint

The LMR or the Lender Managed Rate is a variable rate of interest which we set. We may use this as the reference for setting the variable interest rate we switch the mortgage to at the end of the initial product fixed rate period. More information can be found on our interest rates page.

Find a Mortgage Broker

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