Specialist mortgages, because sometimes life happens​

Bad credit, complex income, financial blips – at Pepper Money we understand that it can happen to anyone at anytime. To see if you can get a mortgage or remortgage with Pepper Money, contact a mortgage broker today.

What we offer

Our mission is 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 or your client are back on track with finances and able to meet mortgage repayments, we don’t believe past events should stop you from being considered for a mortgage.

I'm looking for a Residential mortgage

Whether you're a first time buyer or a homeowner looking to move, Pepper Money could help you.

I'm looking for Buy to Let mortgage

At Pepper Money, we work with first time landlords to those looking to grow their portfolio.

Currently have a mortgage or loan with us?

If you already have a residential mortgage or homeowner loan with us, and have any questions about your account, let us know.

What we do

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

Complex income

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.

Self employed

It's commonly believed that 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 or your client has been trading for just a year.

Mortgage after CCJs or Defaults

If you have a CCJ or a default 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 had CCJs and defaults from as recent as 6 months ago.

First-time landlord

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 requirements, we may be able to help.

Find an Independent Financial Adviser

Our products are only available through mortgage advisors. Find an independent financial adviser (IFA) that we recommend today.