Welcome to Pepper Money for Intermediaries

At Pepper Money, we’re redefining lending norms, looking for a reason to offer to help, rather than refuse it. So if either you or your customer are looking for a lender with the expertise to make sensible lending decisions, look no further.

What we offer

Welcome to
Pepper Money Intermediaries

Financially inclusive lending solutions

It’s easy for some lenders to say ‘no’. To look but not see. To close a door, not open one. At Pepper Money, we think differently. And we’re here to support you completely.

We take a human approach to underwriting. By designing products that are easy to understand and simple to place. By striving to make each interaction you have with us easier than the one before. And by sharing valuable insight and expertise that give you an edge and build your reputation.

That’s why you’ll always find us with our door and our minds, wide open. Ready to challenge convention, read between the lines and see the story behind the numbers. To find a place for your case, and a path to success for your client and your business.

Excellent

Our customers think we are Excellent

with 401 customer reviews,

and we score 4.6 out of 5!

What we do

What do you get from Pepper Money?

Simple and inclusive product range

Simply presented and completely transparent, our product range is easy to understand and match to your customers' individual needs.

A lender that's easy to work with

We aim to make doing business with us as straightforward as possible. That means direct access to decision makers, clear, timely communications and best-in-class support.

Human underwriting

We don't rely on credit scoring or tick box forms and for first charge applications we'll never base a decision on the applicants credit score. Regardless of the product our human approach to underwriting means people make decisions about people.

Specialist expertise

We work exclusively with brokers and intermediaries for our first charge products and on cases that don't fit with high street lenders. And as the UK's largest second charge lender, our second charge lending expertise is unrivalled.

Getting a mortgage with late payments on credit report - Pepper Money

Residential Mortgages

Our product range is structured around your customers most recent financial event including CCJs and defaults.

View products
Getting a mortgage with a default - Pepper Money

Buy to Let Mortgages

We can help you place more Buy to Let customers with competitive rates and fast turnarounds.

View products
Pepper Money makes extensive enhancements to Residential range

Ltd Co Buy to Let Mortgages

Our diverse range has been created to meet the needs of Limited Company Buy to Let investors.

View products
Second Charge Adverse Credit Study - Pepper Money

Shared Ownership Mortgages

Our Shared Ownership Mortgage products can help your customers to buy a share of a new build property.

View products
Mortgage lenders that accept CCJs - Pepper Money

Help to Buy Mortgages

We're here to help your customers take their first steps on the property ladder with our Help to Buy range.

View products

Second Charge Mortgages

We will help you find the right second charge mortgage deal for your customer based on their individual circumstances.

View products

Service levels

Our latest service levels

Our latest Pepper Money service levels show how quickly we’re currently processing first charge applications on behalf of our customers.

What we’re working on

May 28, 2022 5:41 pm

Our call capacity (average)

9am
10am
11am
12pm
1pm
2pm
3pm
4pm
5pm

Referrals

Working on DIP referrals received on:

27th May

Messages

Responding to application portal broker messages received on:

27th May

Reviews

Reviewing offer assessment sent to our underwriters on:

27th May

Applications

Working on applications received on:

27th May

Valuations

Currently reviewing valuations received on:

27th May

Calls

Answering calls in less than (average speed):

< 1 minute(s)

Providing an inclusive human approach to specialist first charge mortgages

At Pepper Money, we operate on the basis that everyone is different; helping your customers secure a mortgage by looking beyond credit ratings and traditional lending criteria.

Need help with your first charge 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.