Hopeful Homeowners

Ambitious young individuals and couples are understandably keen to get out of renting. They might not realise that a small credit mishap in the past – something as simple as a missed mobile phone payment – could have a dramatic impact on them getting a mortgage with a high street lender.

Customers

Let’s help them make their first step

We’re here to help you help your customers find the right path for them – with a range of products to help them into their first home.

Who are Hopeful Homeowners

Lending Criteria

No debt-to-income ratio
No value limit on CCJs and defaults; no need for them to be satisfied
Additional income from Universal credit and Disability allowances accepted
Affordability based on 100% of shift allowance
One year’s self-employed trading accepted
Employed and self-employed income from a maximum of two sources per applicant considered

Excellent

Our customers think we are Excellent

with more than 1000 customer reviews

Need help with your mortgage 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.

Hopeful Homeowners

Let’s help them make their first step

Who are Hopeful Homeowners

Lending Criteria

Excellent

Our customers think we are Excellent

with more than 1000 customer reviews

Need help with your mortgage case?

Our Intermediary tool kit has all the information you need

Product Guides

Criteria Guides

Packaging

Calculators

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