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 across England and Wales which helps buyers purchase their first property with just a 5% deposit.

We’re here to help your customers take their first steps on the property ladder with the introduction of our Help to Buy Equity loan range.

Whether they’re a first-time buyer with no credit history, have built up unsecured credit balances or have complex income including being self-employed, earning a variable income or are a day-rate contractor. Rest assured Pepper Money is here to help.

We’re continuing to do what we’ve always done best. We still 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.

Our product range is structured around your customer’s most recent CCJ or Default. 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

We have 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


Our tool kit has all the information you need


Find the right Pepper Money mortgage.


Forms, product guides, and other useful documents.

Solicitor Panel

View our solicitor panel and details about our free legals remortgage.


View our range of affordability calculators.


Have a question about dealing with us at Pepper Money? Start here.

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Working exclusively with brokers, we provide specialist Residential and Buy to Let mortgages to customers often overlooked by high street lenders. Leave your details below to stay updated on our latest news and products.

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