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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 - Circle

Ryan Brailsford

Head of Sales

With over 15 years experience, Ryan has built up an enviable reputation in business development and sales strategy, now leading a team of field based sales managers to support the growth of Pepper Money.
Caroline Mirakian - Circle

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 - Circle

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.

Our Regional Sales team


Chloe Bowden-Davies

Regional Development Manager

Chloe provides her brokers with the very best support. She enjoys helping find a place for customers that may not fit elsewhere, so if youre unsure about a case, get in touch with her.

Lewis Wheeler

Regional Development Manager

Lewis has 12 years experience in the financial services industry. He enjoys being able to help brokers in converting their specialist cases through to completion.

Cavina Harrison

Regional Development Manager

An ex mortgage adviser with more than 20 years experience in the financial services industry, Cavina understands what brokers are looking for when placing a specialist application and can work with them to find the right product for their customers’ needs.

Steve Mannakee

Regional Development Manager

An ex-broker with over 20 years experience in financial services, Steve thrives on giving the best level of help and support to brokers. He truly believes in Pepper Moneys what you see is what you get approach.
Pepper Money

Telephone BDM Team

Telephone BDM Team

Brokers looking to discuss their specialist cases in Surrey, Sussex & Hampshire can now get in touch with our Telephone BDM's to see how Pepper Money may be able to help.

Paul Drinkwater

Regional Development Manager

Paul has nearly 30 years experience in the industry. He loves growing relationships with brokers and enabling them to help their customers find a solution to their mortgage needs.

Max Hill

Regional Development Manager

With over 10 years industry experience, having worked as a broker and BDM, Max is well placed to provide brokers with the support they need to place specialist cases.

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.

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