Homeowner Loan

Pepper money

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.


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


Figtree Financials was able to place their Debt Management Plan and Default customer with Pepper Money

Kerrie Kendell, Mortgage & Protection Adviser from Figtree Financial, says:
This was a difficult case to place because of the historic DMP. Even though many lenders came up on the criteria sourcing systems as considering DMPs, when I spoke to them, they said they were unable to accept the application. However, Regional Development Manager, Max Hill and Pepper Money did, just as it said in its criteria. Max and the team were so easy to deal with and the requirements weren’t exhaustive. They really do seem to take a common approach from an underwriting point of view, and that delivered a great result for our customers.
Kerrie Kendell
Figtree Financial
Ryan Brailsford, Director of Business Development at Pepper Money, says:
At Pepper Money, we often work with customers that we like to call Recent Recoverers. These are people who may have had historic credit issues but are now able to demonstrate the affordability to service a new mortgage. By taking an individual approach to underwriting every application and being transparent in our criteria and requirements, we make it easy for brokers to help their customers with credit blips to progress their plans.
Ryan Brailsford
Pepper Money
Ryan Brailsford Head of Sales at Pepper Money


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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.


Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

24th March

Responding to application portal broker messages on:

24th March

Reviewing applications sent to our underwriters on:

24th March

Working on applications received on:

24th March

Currently reviewing valuations received on:

24th March

Answering calls in less than (average speed):

< 1 Minutes