Welcome to Pepper Money Homeowner Loans

At Pepper Money, our aim is to provide you with a homeowner loan that meets your individual and personal circumstances. Our loans are designed for mortgage holders and are secured against the property.

Homeowner Loans

Welcome to
Pepper Money Homeowner Loans

Our mission is to help people succeed

Pepper Money is a leading second charge mortgage provider for homeowners in England, Wales and Scotland.

 Pepper’s approach to meeting the needs of our customers has seen us advance funds totaling over £1bn since launch. Based in Cardiff and Uxbridge, we offer a range of variable, fixed and discounted homeowner loans which can be applied for by speaking directly to one of our fully qualified mortgage advisors.

How we can help you

Our aim is to provide you with a homeowner loan that meets your individual and personal circumstances.


Our customers think we are Excellent

with 460 customer reviews,

and we score 4.7 out of 5!

What we offer

Flexible, competitive and responsible

Homeowner loans, also known as second charge mortgages, are a solution for many customers in a variety of situations and circumstances. As a responsible lender, Pepper Money will only lend to customers who, as a result of the application process, we believe have the ability and intention to repay the homeowner loan.

Pepper Money could offer you a homeowner loan of any amount from £5,000 to £1,000,000.

We can offer a repayment term of 3 to 30 years subject to your individual circumstances and credit checks.

Borrow up to 100% of your property’s value, less the existing mortgage balance subject to a satisfactory valuation. Minimum property values and conditions apply.

We offer competitive fixed, discounted and variable rate products. The actual rate we offer will depend on your individual and personal circumstances.

We offer flexible overpayment options, without penalty, which allow you to either reduce the term of your second charge mortgage, or reduce your monthly repayments, whichever suits your circumstances, firmly putting you in control.

You can expect a straightforward, customer friendly approach both during your application process and after completion of your second charge mortgage.

Our products

Homeowner Loans

Pepper Money offer competitive fixed, discounted and variable rate homeowner loan products. Our products are available by applying directly via our fully qualified mortgage advisors.

What is a homeowner loan?

Homeowner loans, also known as second charge mortgages or secured loans, are often taken out to re-organise personal finances and can allow customers to consolidate existing debt into easy-to-manage monthly payments. All applications are considered and assessed individually but you should be aware that when consolidating existing credit this may result in you extending the repayment term of your debt and could increase the total amount you repay.

How much could I borrow?

With a homeowner loan from Pepper Money, you can borrow up to £1,000,000 subject to your individual circumstances and credit checks. This often could be more than you could borrow with an unsecured personal loan – the main difference being that the borrowing is secured against the value of your home.

Can I repay my homeowner loan in full?

You can repay your homeowner loan in full at any time, however early repayment charges may apply.  Full details are contained in your Mortgage Offer document sent prior to completion or on your initial Mortgage Illustration.

Please do not hesitate to contact us if you are uncertain about the early repayment charges on your second charge mortgage account.

Property valuation

A valuation of your property may be required, depending on the value of your property, the amount of the advance and your personal circumstances. 

If you have received mortgage advice directly from us, we are responsible for ensuring that the valuation is carried out and we will pay the cost of it.

Expert advice based upon your circumstances

One of our qualified mortgage advisers will discuss your specific requirements with you before recommending a suitable homeowner loan from Pepper’s product range based upon your individual circumstances and needs.  

We offer a straightforward, customer friendly approach, both during your application  process and after completion of your homeowner loan. We offer you the flexibility to make overpayments, at any time, without applying any form of financial penalty.

Our customers

Our Existing Customers

If you’re an existing Pepper Money customer and would like to speak to us about your homeowner loan please get in touch. 

You can also contact us if you’d like to talk about any further borrowing on your existing lending with Pepper Money.

Help with repayments

If you’re having trouble making your repayment, or think that you may have problems in the near future, please contact us on the following number
0333 014 3125

Repaying your second charge mortgage

If you wish to repay your homeowner loan early please contact our Customer Support team to request a redemption statement, which will include any early repayment charges that are applicable at that time.

Changing your direct debit

If you would like to discuss changing your direct debit date, please get in touch on 0333 014 3125

Moving house

As your homeowner loan from Pepper Money is secured on your property, it’s important to let us know if you are thinking about moving home. For further information, please contact us.

Homeowner loan calculator

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. 

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. 

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.

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.


Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

12th August

Responding to application portal broker messages on:

12th August

Reviewing applications sent to our underwriters on:

10th August

Working on applications received on:

12th August

Currently reviewing valuations received on:

12th August

Answering calls in less than (average speed):

< 1 Minutes
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