Welcome to Pepper Money Specialist Mortgages

Not everyone’s ambitions fit in the black and white world of high street mortgages, with its tick box forms and automated decision making. If you’re looking for a more human approach talk to Pepper Money.

Specialist Mortgages

Welcome to
Pepper Money Specialist Mortgages

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

Homeowner Loans

Whether you’re looking at making home improvements or want to consolidate your debt, we could help.

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Residential Mortgages

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

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Buy to Let Mortgages

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

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Shared Ownership Mortgages

If you're looking to purchase a Shared Ownership property Pepper Money could help you.

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Help to Buy Mortgages

Our Help to Buy mortgages can help you buy your first property with just a 5% deposit.

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Our customers think we are Excellent

with 401 customer reviews,

and we score 4.6 out of 5!

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've 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 give you a mortgage.

Currently have a mortgage or loan with us?

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

Find a Mortgage Broker

Our products are only available through mortgage advisors. Find a mortgage broker that we recommend today.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

About Pepper Money

Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers.

Pepper Money is part of the Pepper Group, a diversified, global financial services business, whose senior management team is some of the most experienced in the UK mortgage industry having built a long-lasting reputation for creating innovative, flexible home loan products and services. 

Pepper money

UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.

Pepper Money Limited t/a Pepper Money is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 811609 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. Registered Office: Harman House, 1 George Street, Uxbridge, London UB8 1QQ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.


First Charge Service Levels

Intermediary - First Charge

Working on DIP referrals received on:

27th May

Responding to application portal broker messages on:

27th May

Reviewing applications sent to our underwriters on:

27th May

Working on applications received on:

27th May

Currently reviewing valuations received on:

27th May

Answering calls in less than (average speed):

< 1 Minutes
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