Why use Pepper Money?

We’ll help more of your customers find their place

It’s easy to say “no”. To close a door, not open one. At Pepper Money, we think differently. And we’re here to support you completely.

We take a more human approach to underwriting, to build a truer picture and reach a fairer outcome. We design products that are easy to understand and simple to place. We strive to make each interaction you have with us easier than the one before. And we share valuable insight and expertise that give you an edge and build your reputation.

That’s why you’ll always find us with our doors and our minds wide open. Ready to challenge convention, read between the lines and see the story behind the numbers. We will find a place for your case with a path to success for your customers and your business.

What we do

How you'll benefit by using Pepper Money

Simple and inclusive product range

Simply presented and completely transparent, our mortgage range is easy to understand and match to your customers’ individual needs. Broad criteria, competitive pricing and a positive lending attitude help you to help more of your clients. – From First Time Buyers and the recently self-employed, to those with adverse credit or complex incomes. What’s more, our commitment to ongoing improvement means our product offering is constantly evolving to meet the changing needs of borrowers, as well as your business.

Human underwriting

We don’t use credit scoring or tick box forms. Our more human approach to underwriting means people make decisions about people. Each case is viewed on its own merits so we can form a more considered, holistic and non-judgmental view of where your customer is now and where they want to be. The result is a fairer, and more often generous lending decision. And if we can’t help we won’t keep you or your client waiting. We understand the value of a timely decision even if it’s a “no”.

A lender that’s easy to work with

We aim to make doing business with us as straightforward as possible. That means direct access to your named underwriter, clear, timely communication and best -in-class support. Our online portal facilitates smoother case management, just one of a growing suite of tools we’re introducing to make each interaction easier than the one before. This commitment to frictionless working promotes greater efficiency and stronger relationships, creating conditions for success for all.

Specialist expertise

Working exclusively with brokers and intermediaries, and on cases that don’t find a fit with high street lenders. Pepper Money is a true specialist. You’ll hear it in the expert support we give you over the phone and see it in our deft handling of every file. Specialist mortgages is all we do and we use our insight and experience to help brokers keep pace with the key issues shaping this rapidly evolving marketplace, gain a vital edge over their competitors and unlock valuable new earning opportunities.


We rank as Excellent ,

with 163 customer reviews ,

and we score 4.7 out of 5!

How we do it

Our latest service levels

Updated : November 30, 2021 2:16 am

What we’re working on

At Pepper Money, we believe in being accountable and transparent at every step. Our latest published service levels show how diligently we are processing applications on behalf of our customers.

Our call capacity (average)



Working on DIP referrals received on:

29th November


Responding to application portal broker messages received on:

29th November


Reviewing offer assessment sent to our underwriters on:

29th November


Working on applications received on:

29th November


Currently reviewing valuations received on:

29th November


Answering calls in less than (average speed):

< 1 minute(s)

Find out how much your customer could borrow

In just a few minutes you can see how much your customer could borrow. (Please note the results are indicative and should be used as a guide only.)


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.

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.