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.
If you have a mortgage with Pepper Money, here are some frequently asked questions about your account from our customers.
Please email our customer services team at [email protected] to request your mortgage balance.
You can request a statement by emailing our Customer Services at [email protected], stating your account number.
All statements will be sent to the correspondence address included on your account.
If you’re ready to pay off your mortgage in full, or you’re planning to remortgage with another lender, you’ll need a redemption statement. This covers:
To request a redemption statement email our Customer Services team at [email protected], stating your account number.
All statements will be sent to the correspondence address included on your account.
At the end of your initial product term your rate will change to the reversion rate included in your mortgage offer. You’ll also no longer need to pay an Early Redemption Charge if you repay the mortgage after this time.
We’ll let you know that you’re coming to the end of the initial term by post.
Yes. Check below for eligibility and how to apply.
Who can apply for a Product Transfer?
• Residential mortgage customers only (you can apply up to 3 months before your current initial rate ends).
• Provided your mortgage payments are up to date and you’ve not missed a payment in the last 12 months you can be considered.
• You can’t make any other changes to your mortgage during this process and you’re just applying to switch your current rate.
How do I apply?
We provide a choice of ways to apply;
1) If you’d like advice and a recommendation based on your current circumstances you can contact a broker who will help you find the right mortgage product for you. Please navigate to our page providing details of Brokers registered with us or search Unbiased.co.uk. Your selected broker will understand your needs and circumstances and provide advice and recommendation for a suitable product for you which may or may not be a Pepper Money product.
2) ‘Execution only’ basis – You can apply here – we do not offer advice or provide you with a recommendation for a specific product for you – you should only use this method if you are happy to proceed without receiving advice.
The Product Transfer application process
• You can apply up to 3 months before your current initial rate ends.
• It’s a simple process with no affordability or credit checks or need to refresh your employment or income information.
• It’s fee free – no product fees, no need for a new valuation of your property or any legal fees.
• In the event your circumstances have changed and you’d like to speak to a broker about other product options which may meet your needs and circumstances please navigate to our website or search Unbiased.co.uk
What should I do if I am struggling with my payments?
If you need to speak with a member of our team about your payments, please call <0333 370 1101 and press 4> or if you’d like to speak to a broker about other product options which may meet your needs and circumstances, please navigate to our page providing details of Brokers registered with us or search Unbiased.co.uk. You may also find the information in the MoneyHelper guide useful.
The reference rate will be either the Lender Managed Rate (LMR) or the Legacy Reference Rate (LRR). This will depend on when your mortgage was taken out. Please refer to your Offer document, or call us on 03333 701 102 to confirm this. We may use this when setting your mortgage’s variable interest rate at the end of your initial fixed rate period. More information can be found on our interest rate page.
Please call our Customer Services team on 03333 701 102 to update your contact details. Our lines are open from 9 am to 6 pm, Monday to Friday.
Please call our Customer Services team on 03333 701 102 to update your Direct Debit details. Our lines are open from 9 am to 6 pm, Monday to Friday.
Please call our Customer Services team on 03333 701 102 to change your payment date. Our lines are open from 9 am to 6 pm, Monday to Friday.
Yes. Please email our Customer Services team at [email protected]. We’ll send you a form to complete and return. Once we have registered your nominated person, we will write to you to confirm it’s all set up.
No, it’s not possible to add someone to or remove a person from your mortgage.
Have any further questions?
You can call us at 03333 701 102 from 9 am to 6 pm, Monday to Friday. Or email us at [email protected] where one of our friendly team will be able to help.
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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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: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.
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