Our mortgages

Residential Mortgage Products

We can help you place more specialist Residential mortgage customers. Whether they’re a first-time buyer with no credit history, a self-employed home mover with one year’s trading history, or they’re looking to remortgage to consolidate existing debts our range of specialist mortgages could be the answer.

Our product range is structured around your customer’s most recent financial event including CCJs, defaults and secured missed payments. 

Up to 85% LTV

Available up to 85% LTV including on our Pepper 48 Light range

Unsecured Credit

Unsecured credit never affects product tier

No value limits

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

Interest Only Options

Interest only up to 60% LTV with no amendments to criteria

Helping self-employed

One year’s self-employed trading accepted

Wide age brackets

Earned income accepted to age 75

Residential Mortgage Products Rates & Criteria

Pepper Residential

Pepper DMP (Debt Management Plan)

Pepper Bankruptcy & IVA

Pepper Residential Criteria

Try our residential affordability calculator

Looking to find out how much your client could borrow? Our residential calculator has been built with you in mind.


Our Residential Intermediary tool kit has all the information you need

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.

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.


Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

12th August

Responding to application portal broker messages on:

12th August

Reviewing applications sent to our underwriters on:

10th August

Working on applications received on:

12th August

Currently reviewing valuations received on:

12th August

Answering calls in less than (average speed):

< 1 Minutes
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