Whatever stage your customers are in their Help to Buy journey, Pepper Money could help. Whether they’re taking their first steps on the property ladder and looking to purchase a new build property with Help to Buy, or if they’re looking to get a new fixed rate on their existing property through remortgaging.
Our Help to Buy is suitable for an array of customers, including first-time buyers with no credit history, those who have built up unsecured credit balances or have complex income, including being self-employed, earning a variable income or day-rate contractors.
We don’t use credit scoring to make decisions, and don’t cascade applications once you’ve submitted. Instead, we value the story behind your customer’s numbers through our more human approach to underwriting, where people make decisions about people. Plus, you and your customers are supported by our excellent service standards and turnarounds, so if certainty is what you’re looking for, choose Pepper.
Our product range is structured around your customer’s most recent CCJ, Default or secured missed payment. Here’s how your next Help to Buy application could be better with Pepper.