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  • Homeowner Loans

    Homeowner loans

    • Homeowner loans

    Pepper Money is a leading second charge mortgage provider for homeowners in England, Wales and Scotland. Our aim is to provide you with a homeowner loan that meets your individual and personal circumstances.

    • About us
    • Our Products
    • Existing Customers
    • Calculators

    With our homeowner loan calculator, you can find out what your repayments might look like each month, and how much you could end up paying. 

    • Try our Loan Calculator
    • Request a Callback
    • Frequently asked questions

    We have the answers we often get asked by potential applicants, if you’re in the process of applying for a loan, or you have a loan with us, we have all you need to know.

    • Thinking of applying?
    • Application in progress?
    • Existing customers?
    • Useful Pages
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    • Careers
  • Mortgages

    Mortgages

    • Mortgages

    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.

    • Residential Mortgages
    • Buy to Let Mortgages
    • Affordable Home Ownership

    Our lending decisions aren’t solely based on a credit score. Our human approach to underwriting allows us to reach a fairer outcome for a broad range of customers.

    • Shared Ownership Mortgages
    • Help to Buy Mortgages
    • Frequently asked questions

    We have the answers we often get asked by potential applicants, if you’re in the process of applying for a mortgage, or you have a mortgage with us, we have all you need to know.

    • Thinking of applying?
    • Application in progress?
    • You have a mortgage with us?
    • Useful Pages
    • About us
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    • Contact us
    • Careers
  • Intermediary

    First Charge

    Second Charge

    • Customers

    Life can be complex, and the needs of your customers can be too. As a specialist mortgage lender, we’re here for you, to help them succeed.

    • Customers
    • Affluent Borrowers
    • Almost Primers
    • Comfortable Consolidators
    • Recent Recoverers
    • Products

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

    • Residential Mortgages
    • Buy to Let Mortgages
    • Ltd Company Buy to Let Mortgages
    • Shared Ownership Mortgages
    • Help to Buy Mortgages
    • Criteria

    Our mortgage criteria is designed to help your customers with unique circumstances who would benefit from a more human underwriting approach.

    • Residential Criteria
    • Buy to Let Criteria
    • Ltd Buy to Let Criteria
    • Shared Ownership Criteria
    • Help to Buy Criteria
    • Calculators

    Our mortgage calculators will help to give you an indication of how much we could lend your customers and it’s super quick and really simple to use.

    • Residential Calculator
    • Buy to Let Calculator
    • Shared Ownership Calculator
    • Help to Buy Calculator
    • Resources

    Find all the material you need for your next specialist Residential, Affordable Home Ownership or Buy to Let Mortgage application.

    • First Charge Sales Team
    • Downloads
    • Solicitor Panel
    • Broker Onboarding
    • Intermediary Checklist
    • Buy to Let Portfolio Schedule
    • Adverse Credit Study
    • Contact Us
    • Second Charge Mortgages

    Our dedicated team work with a range of approved specialist partners to offer second charge mortgages to customers. 

    • Mortgage Products
    • Mortgage Criteria
    • Broker Registration
    • Second Charge Sales Team
    • Contact Us
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Defaults: 06 Months ago

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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. 

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More information

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  • Interest Rates

Latest news

  • What is a secured debt consolidation loan?

  • Consolidation loan: The pros and cons

  • Home improvement loans explained

  • 5 Exciting Uses for a Large Home Improvement Loan

  • Pepper Money launches EPC initiative

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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.

Pepper Money Limited t/a Pepper Money is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 811609 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. Registered Office: Harman House, 1 George Street, Uxbridge, London UB8 1QQ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.

Information

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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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