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Helping you find a happy home for your mortgage needs
Getting a mortgage can be an incredibly daunting experience. That is why at Pepper, we think differently and take a positive lending attitude.
We’re committed to providing a viable alternative to the strict criteria of High Street lenders. At Pepper Money, we champion financial inclusion. We understand that life happens. We believe that past financial blips and your credit score alone shouldn’t get in the way of your future mortgage applications.
Our goal is to broaden access to homeownership for a diverse range of customers that otherwise may be overlooked. So, whether you’re self-employed, earn an irregular income, a first-time buyer with no previous credit, had a missed payments or have a low credit score, you could be better with Pepper.
CCJs & Defaults
You could be accepted with unsatisfied CCJs & Defaults
Your level of unsecured credit never affects product tier
New Business Owners
For new business owners we can accept one year’s self-employed trading
Up to 85% LTV
Our residential mortgages are available up to 85% LTV
We can offer interest only options up to 60% LTV with no amendments to criteria
Flexible approach to mortgage terms. Earned income accepted to age 75
Find a broker
Our products are only available through mortgage advisers. To find a more extensive list of Advisers near you, visit unbiased.co.uk. Click on your location below to find brokers that specialise in helping their customers obtain residential mortgages.