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Residential criteria

Find all our criteria for the Residential and Debt Management Plan range here.

Buy to Let criteria

Find all you need to know about Buy to Let criteria here.

Limited Company Buy to Let criteria

Find all you need to know about our Limited Company Buy to Let criteria here.

Our Sales Management team

Ryan Brailsford

Head of Sales

With over 15 years’ experience, Ryan has built up an enviable reputation in business development and sales strategy. He now leads a team of field based sales managers to support the growth aspirations of Pepper Money.
Ryan Brailsford

Caroline Mirakian

Head of National Accounts

With a total of 16 years’ experience held within the mortgage market, Caroline wishes to use her connections and skills to ensure that we develop a proposition that will really support brokers and customer needs

Paul Adams

Sales Director

Paul works closely with brokers to find out about their concerns, feedback, and how we could help. This helps shape the changes we make to ensure we provide the most suitable products and criteria for your clients.

Where can you access our products?

We help those people who need someone to understand their circumstances.

People’s interesting situations come in all shapes and sizes: self-employment, complex incomes, previous financial difficulties, and young credit histories.

Our criteria is flexible and our products are competitive. The intermediaries who help our customers to find us get support from our experienced team of BDMs and direct access to the team that make the lending decisions.

We provide Residential and Buy to Let mortgages for clients in interesting situations, exclusively through brokers. Clients find us because of the great work of intermediaries who are prepared to tackle more complex cases. We can help with a broad range of cases – they often involve at least one of the following:

Mortgage clubs



What's next?

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 office hours are : Monday to Friday, 9am - 5:30pm

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