Our mortgages

Help to Buy Mortgage Products

We believe in providing a simpler path to specialist Help to Buy mortgages. We are pleased to be part of the Government’s Help to Buy Equity Loan scheme, which helps buyers purchase their first property with just a 5% deposit. Your customers could borrow up to 40% equity loan of the property value for properties in London, and 20% everywhere else in England and Wales.

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.

Help your customers with 5% deposits

Max LTV of 75% available

No decisions based on credit scores

Suitable for your customers who may miss credit scoring thresholds

Helping the self-employed

One year’s self-employed trading accepted

Variable income accepted

50% of overtime, bonuses and commission accepted to boost affordability

No debt-to-income ratio

Unsecured credit never affects product tier

No value limits on CCJs & defaults

No value limit on CCJs and defaults; no need for them to be satisfied

Try our Help to Buy affordability calculator

Our Help to Buy calculator has been built with you in mind, it’s simple to complete and will give you an indication of the maximum we could lend your client.

Help to Buy Mortgage Products Rates & Criteria

Pepper Help to Buy

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.


Our Help to Buy Intermediary tool kit has all the information you need

For Intermediary use only

About Pepper Money

Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers.

Pepper Money is part of the Pepper Group, a diversified, global financial services business, whose senior management team is some of the most experienced in the UK mortgage industry having built a long-lasting reputation for creating innovative, flexible home loan products and services.

Pepper money

UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.


First Charge Service Levels

Intermediary - First Charge

Working on DIP referrals received on:

27th May

Responding to application portal broker messages on:

27th May

Reviewing applications sent to our underwriters on:

27th May

Working on applications received on:

27th May

Currently reviewing valuations received on:

27th May

Answering calls in less than (average speed):

< 1 Minutes
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