Specialist mortgages

because sometimes life happens

Bad credit, complex income, financial blips – it can happen to anyone. To see if you can get a mortgage or remortgage with Pepper Money, contact an Independent Financial Adviser (IFA).

At Pepper Money, it’s our mission to help people succeed.

We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.

We understand that not all people with a less than perfect credit history are still in financial difficulty.

Unexpected life events and financial mistakes happen. If you’re back on track with your finances and able to meet your mortgage repayments, we don’t believe past events should stop you from being considered for a mortgage.

That’s why we have a dedicated team that look at each mortgage application on its own merits.

To see if you’ll be considered for a mortgage or remortgage with us, contact an Independent Financial Adviser by visiting unbiased.co.uk.

Here are just some of the situations we may be able to help with.

People are increasingly earning incomes from multiple sources; commission, overtime, bonuses, investments and multiple jobs. Not all lenders will consider a mortgage application for those with multiple income sources, but we may be able to help.

It’s commonly believed if you are self-employed you must wait years and years before applying for a mortgage. With Pepper Money, that’s not always true. We may be able to give you a mortgage even if you’ve just been trading for only a year.

If you’ve got a CCJ or have missed payments you may think you won’t be able to get a mortgage until these no longer show on your credit report. Our products are suitable for borrowers who have had CCJs and defaults from as recent as 12 months ago. 

Sometimes it can be difficult finding a mortgage for your first Buy to Let property, but if you’ve made regular mortgage payments before and can prove you’re able to meet your mortgage repayments, we may be able to give you a mortgage.

Frequently asked questions

Thinking about applying?

Here are the answers to some questions we often get asked.

Applications in progress?

Here are the answers to some questions we often get asked.

Got a mortgage with us?

Here are the answers to some questions we often get asked.

Find an Independent Financial Adviser

Our products are only available through mortgage advisers. To find an Independent Financial Adviser (IFA) near you, visit unbiased.co.uk

Important information

Following the announcement of a national lockdown in England from 5th November, there are no changes to valuation services and the ability for our valuers to carry out internal inspections. These will remain subject to a full risk assessment and our valuers will review each instruction based on an individual basis, the customer and the surveyor will make the final call regarding proceeding with the internal inspection.

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