Residential Mortgages

At Pepper Money, it’s our mission to help you succeed

We provide mortgages to first-time buyers, home movers, and remortgagers often overlooked by other lenders. 

At Pepper Money, we understand that not everyone has a perfect credit history or receives income, in the same way, each month. We understand that unexpected life events and financial mistakes happen. We believe that not all people with a less than perfect credit history are still in financial difficulty. If you’re back on track with your finances and able to meet your mortgage repayments, we don’t believe past events should stop you from being considered for a mortgage. 

I'm interested in getting a mortgage

Unlike high street lenders, Pepper Money has a dedicated team that looks at each mortgage application on its own merits. We have a positive lending attitude to help people succeed.   

Past mistakes shouldn’t get in the way of the next chapter. If you’re looking for a mortgage lender that doesn’t just rely on automated systems, you’ve come to the right place.

Our residential mortgages are only available through mortgage advisers, so if you’re interested in getting a mortgage with us, click on the link below.

Looking to secure a mortgage with Pepper Money?

Here are the steps you’ll take in your mortgage journey

1

Find an adviser

As we don’t offer mortgages directly, you can find an adviser to help with your requirements here.

2

Submit a Decision in Principle

Once you’re happy with your adviser’s lender recommendation of Pepper Money, they’ll go about securing your DIP (Decision in Principle) with us.

3

Place your offer on the property

After you’ve secured a DIP, you’ll be in a much better position to make an offer on the property of choice.

4

Submission to Pepper Money

Once your offer is accepted, your broker will request all of the documents that they need to submit to us.

5

Underwriting and Valuation

We’ll take it from here. Your application will be in our online portal, and our dedicated Case Management team will be reviewing your application.

6

Formal mortgage offer

Once our team has completed their assessment and they are happy with everything they’ve found, they’ll send you and your adviser a mortgage offer.

7

Conveyancing

After you’ve accepted your mortgage offer, this is where your solicitors come in, and we move into the conveyancing part of the process.

8

Exchange

You’ve made it. The final part of the process is here. Your solicitor will exchange contracts with the seller’s solicitor. Any deposit you are putting in will be added to the transaction at this stage too.

9

Completion

Your purchase will officially complete when the money is transferred to the seller on an agreed-upon date. On this date, you’ll get the keys to your new home!

I'm an existing customer

If you have a mortgage with Pepper Money, and have any questions regarding your loan, get in touch with us to see if we can help.

Frequently asked questions

At Pepper Money, we’re ready to challenge convention, read between the lines and see the story behind the numbers.

Thinking about applying?

We have the answers we often get asked by potential applicants.

Application in process?

Read our FAQ's in you're in the process of applying for a mortgage.

Got a mortgage with us?

If you have a mortgage with Pepper Money, we have all you need to know.