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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
    • About us
    • News
    • Feedback
    • Contact us
    • 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
    • News
    • Feedback
    • 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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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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  • Homeowner Loans
  • Intermediary – First Charge
    • Residential Mortgage Products
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    • Buy to Let Mortgage Products
    • Buy to Let Mortgage Criteria
    • Buy to Let Mortgage Calculator
    • Ltd Buy to Let Mortgage Products
    • Ltd Buy to Let Mortgage Criteria
    • Shared Ownership Mortgage Products
    • Shared Ownership Criteria
    • Shared Ownership Mortgage Calculator
    • Help to Buy Mortgage Products
    • Help to Buy Mortgage Criteria
    • Help to Buy Mortgage Calculator
    • Resources
      • Downloads
      • Broker Onboarding
      • Solicitor Panel
      • Intermediary Checklist
      • Adverse Credit Study
      • First Charge Contact
  • Intermediary – Second Charge
    • Second Charge Mortgage Products
    • Second Charge Contact
  • Personal
    • Residential Mortgages
    • Buy to Let Mortgages
    • Shared Ownership Mortgages
    • Help to Buy Mortgages
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