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Your guide to mortgage products

We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.

PRODUCT WITHDRAWAL NOTICE

The key deadlines for DIPs and FMAs

Please note: we withdrew our entire range overnight on Monday 16th March with new rates now available with increases from 0.35% as we respond to increased SWAP rates from the conflict in the Middle East.

If you’ve found a suitable product for your customer on a Sourcing System, the rates may have changed, as there’s a slight delay for the new rates being displayed on Sourcing due to the scale of products updated across the market. Please submit a Decision in Principle (DIP) as normal to confirm your customer’s rate.

All new DIPs will be on our new range, but to submit a Full Mortgage Applications for this withdrawn range, you must submit with fees paid by:

4:30pm on Thursday 19th March

Our Range

How we help you succeed

We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.

By being easy to work with

Enjoy direct access to a decision maker. Clear, timely communication. And smoother case management thanks to our online portals.

By taking a human approach to decision-making

We consider people, not credit scores. So you get a fairer – and often more generous – lending decision.

By giving you a little extra flex

We can say ‘yes’ to more of your customers who are just outside our standard criteria, with a modest uplift to the completion fee. All thanks to Pepper Flex.

LIMITED EDITION

Mortgage Products

Our new Limited Edition Remortgage products with £750 cashback could be ideal for your customers who need an extra boost post-completion.

What We Offer

Find the right product for your customers

Residential Mortgages

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

Second Charge Mortgages

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

First Homes Mortgages

First Homes is a government scheme that provides Hopeful Homeowners the option to purchase a new build home.

Right to Buy Mortgages

We understand real-life happens and blips should not prevent ambitious Hopeful Homeowners from buying a home.

Help to Buy Mortgages

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

Shared Ownership Mortgages

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

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.

Article & Blogs

A little further reading

If you’d like to dig deeper, read our articles and blogs for the best Homeowner Loan content and insight.

Pepper Money Retreat returns for 2026.

Now recognised by the Mortgage Industry Mental Health Charter

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Can you get a mortgage while in your probation period? Discover how specialist lenders assess employment status and income stability.

Buy-to-let ownership through limited company or personal: Pros and cons

Considering buy-to-let through a limited company or personally? Explore the pros, cons and mortgage implications for landlords.

What is interest coverage ratio?

Learn what interest coverage ratio (ICR) means, how lenders calculate it, and why it’s crucial for buy-to-let mortgage affordability.

When will the renters rights bill become law?

Find out when the Renters’ Rights Bill is expected to become law and what it could mean for landlords, tenants and buy-to-let investors.

Resources

Broker toolkit and guides

Our Broker Toolkit has all the information you need for Products, Calculators and Guides