Pepper money

We understand your customers

Life is different for everyone, including all your customers. As a specialist mortgage lender, we’re here for you to help them take the next step. Whether they are an Almost Primer, Recent Recoverer, Affluent Borrower or Comfortable Consolidator we could provide the mortgage solution to meet their needs.


A human approach to lending

Connecting the ​right people with ​the right products​ is focal and underpinned by a broad range of criteria allows us to help a variety of customers succeed. Whatever the situation of your customers, it’ll always be a familiar one to us. Which means that we’re better equipped to help them fulfil their ambitions – whatever these may be.

Affluent Borrowers

Helping the financially settled borrower to realise their ambitions.

Almost Primers

For those taking their last step to becoming Prime borrowers.

Comfortable Consolidators

Helping to get families back into their financial comfort zone.

Recent Recoverers

Helping hard-working people on their way to financial recovery.


Our customers think we are Excellent

with 426 customer reviews,

and we score 4.7 out of 5!

Need help with your first charge case?

To discuss a case, or find out more about our products, call our experienced team. Ready to submit? Log into the application portal to get started, or register if it’s your first case with Pepper Money.

For Intermediary use only

About Pepper Money

Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers.

Pepper Money is part of the Pepper Group, a diversified, global financial services business, whose senior management team is some of the most experienced in the UK mortgage industry having built a long-lasting reputation for creating innovative, flexible home loan products and services.

Pepper money

UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.


First Charge Service Levels

Intermediary - First Charge

Working on DIP referrals received on:

27th June

Responding to application portal broker messages on:

27th June

Reviewing applications sent to our underwriters on:

27th June

Working on applications received on:

27th June

Currently reviewing valuations received on:

27th June

Answering calls in less than (average speed):

< 1 Minutes
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Pepper money