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.

Residential Mortgages

At Pepper Money, it’s our mission to help you succeed

We provide mortgages to first-time buyers, home movers, and remortgagers often overlooked by other lenders. 

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

CCJs & Defaults

You could be accepted with unsatisfied CCJs & Defaults

Unsecured Credit

Your level of unsecured credit never affects product tier

New Business Owners

For new business owners we can accept one year’s self-employed trading

Up to 85% LTV

Our residential mortgages are available up to 85% LTV

Interest Only

We can offer interest only options up to 60% LTV with no amendments to criteria

Flexible Approach

Flexible approach to mortgage terms. Earned income accepted to age 75

I'm interested in getting a mortgage

Unlike high street lenders, Pepper Money has a dedicated team that looks at each mortgage application on its own merits. We have a positive lending attitude to help people succeed.   

Past mistakes shouldn’t get in the way of the next chapter. If you’re looking for a mortgage lender that doesn’t just rely on automated systems, you’ve come to the right place.

Our residential mortgages are only available through mortgage advisers, so if you’re interested in getting a mortgage with us, click on the link below.

Looking to secure a mortgage with Pepper Money?

Here are the steps you’ll take in your mortgage journey


Find an adviser

As we don’t offer mortgages directly, you can find an adviser to help with your requirements here.


Submit a Decision in Principle

Once you’re happy with your adviser’s lender recommendation of Pepper Money, they’ll go about securing your DIP (Decision in Principle) with us.


Place your offer on the property

After you’ve secured a DIP, you’ll be in a much better position to make an offer on the property of choice.


Submission to Pepper Money

Once your offer is accepted, your broker will request all of the documents that they need to submit to us.


Underwriting and Valuation

We’ll take it from here. Your application will be in our online portal, and our dedicated Case Management team will be reviewing your application.


Formal mortgage offer

Once our team has completed their assessment and they are happy with everything they’ve found, they’ll send you and your adviser a mortgage offer.



After you’ve accepted your mortgage offer, this is where your solicitors come in, and we move into the conveyancing part of the process.



You’ve made it. The final part of the process is here. Your solicitor will exchange contracts with the seller’s solicitor. Any deposit you are putting in will be added to the transaction at this stage too.



Your purchase will officially complete when the money is transferred to the seller on an agreed-upon date. On this date, you’ll get the keys to your new home!

I'm an existing customer

If you have a mortgage with Pepper Money, and have any questions regarding your loan, get in touch with us to see if we can help.

Frequently asked questions

At Pepper Money, we’re ready to challenge convention, read between the lines and see the story behind the numbers.

Thinking about applying?

We have the answers we often get asked by potential applicants.

Application in progress?

Read our FAQ's in you're in the process of applying for a mortgage.

Got a mortgage with us?

If you have a mortgage with Pepper Money, we have all you need to know.

Find a Mortgage Broker

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