We are aware of scams involving individuals being offered loans for an advanced upfront fee. With the fraudster posing as a representative of a financial services organisation. At Pepper Money we do not charge any fees before the application stage. We would not approach you directly in this way. Your broker will be able to tell you what fees and charges the product you’re applying for has, and when they will be charged. If you think you have been a victim of such a scam, please contact your bank immediately and report it to action fraud.
FAQ's
Are you thinking about applying for one of our mortgages? Here are the answers to some frequently asked questions from potential applicants.
We’re a UK mortgage lender, backed by a global financial institution. We help people who may have been knocked back by high street lenders or are getting back on their feet financially.
If you want to apply for a mortgage and your situation involves any of these things, we may be able to help.
We’re a UK specialist lender, backed by a global financial institution. We offer mortage products to help people who may have been knocked back by high street lenders or are getting back on their feet financially.
If you want to apply for a mortgage and your situation involves any of these things, we may be able to help:
Because mortgages can be complicated, especially in the cases we specialise in, we’ve decided to partner with advisers. They can help you find the right deal.
A number of things can affect how long it takes to get a mortgage with us. In some cases, it’s possible to get a mortgage in about the same time you would with any high street lender. In others, we may need you to find more documents or information. We understand it can take a while to dig these out – we hope you’ll understand it also takes us time to process them manually, review your case and come back to you.
At the moment, we don’t lend on properties in Scotland or Northern Ireland.
However, if you’re looking to buy in England, Wales or on the Isle of Wight, we can help.
For the fullest answer to this question, please visit our Privacy policy page.
If you’ve been trading for over a year, chances are we’ll be able to help. Your adviser can give you more guidance on our specific requirements for applying.
We’ll need to see evidence that you’ve been contracting for over 12 months and there will be other details we need to confirm. Your adviser will be able to let you know more about this.
In some circumstances, Yes.
We do have limitations on the number of CCJs we can accept that were registered in the last 12 months, but we don’t have a maximum value and we don’t need them to have been cleared before you submit your application. Speak to your adviser to find out more.
We may be able to help if you were discharged more than 6 years ago. Speak to your adviser to find out more.
No. We do not currently offer foreign currency mortgages.
We’ll need to consider your personal circumstances including your pension income. Your adviser will be able to give you some guidance on this.
We require that any missed mortgage payments were at least 12 months ago and you’ve been back up to date with payments for at least the last 6 months. There may be other considerations too, so it’s best to speak to your adviser for further guidance.
Credit reports are provided by credit reference companies like Experian, Equifax and CallCredit. If you want to look at your credit report you can go through one of these companies. If something on it looks wrong, get in touch with the company who provided your report, and they’ll help with what to do next.
Note: When we consider your application we check your Equifax credit report, so it may be worth getting your adviser to check this before making your application.
For the fullest answer to this question, please visit our Privacy policy page.
This explains:
For the fullest answer to this question, please visit our Privacy policy page.
This explains:
The LMR or the Lender Managed Rate is a variable rate of interest which we set. We may use this as the reference for setting the variable interest rate we switch the mortgage to at the end of the initial product fixed rate period. You can find more details on our interest rates page.
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.
Working on DIP referrals received on:
Responding to application portal broker messages on:
Reviewing applications sent to our underwriters on:
Working on applications received on:
Currently reviewing valuations received on:
Answering calls in less than (average speed):
