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Pepper money

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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

Unsecured Credit

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

Interest Only

We can offer interest only options up to 60% LTV with no amendments to criteria

Flexible Approach

Flexible approach to mortgage terms. Earned income accepted to age 75

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Broker Lisiting

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.

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Our customers think we are Excellent

with more than 800 customer reviews

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. 

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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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Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

4th October

Responding to application portal broker messages on:

4th October

Reviewing applications sent to our underwriters on:

4th October

Working on applications received on:

4th October

Currently reviewing valuations received on:

4th October

Answering calls in less than (average speed):

< 1 minute(s)
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