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
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.
Whether you’re looking at making home improvements or want to consolidate your debt, we could help.
Whether you're a first time buyer or a homeowner looking to move, Pepper Money could help you.
First Homes is a government scheme that provides Hopeful Homeowners the option to purchase a new build home.
We understand real-life happens and blips should not prevent ambitious Hopeful Homeowners from buying a home.
Our Help to Buy mortgages can help you buy your first property with just a 5% deposit.
If you're looking to purchase a Shared Ownership property Pepper Money could help you.
What we do
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 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.
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.
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.
If you already have a homeowner loan or mortgage with us, and have any questions about your account, let us know.
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.
Contact us
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: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.
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