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Terms and Conditions

First charge mortgage conditions

Please find our General Mortgage Conditions, available to download in a pdf format.

Refer to your mortgage agreement or contact us to find out which GMC’s are applicable to you.

Click here to download the General Mortgage Conditions for 2021 – Version 1.0

Click here to download the General Mortgage Conditions for 2019 – Version 1.0

Click here to download the General Mortgage Conditions for 2017 – Version 2.0

Click here to download the General Mortgage Conditions for 2017 – Version 2.0 (Amended 14 December 2021)

Click here to download the General Mortgage Conditions for 2017 – Version 1.0

Click here to download the General Mortgage Conditions for 2017 – Version 1.0 (Amended 14 December 2021)

Click here to download the General Mortgage Conditions for 2014 – Version 1.0

Click here to download the General Mortgage Conditions for 2014 – Version 1.0 (Amended 14 December 2021)

Second charge mortgage conditions

If your Second Charge Mortgage Offer is dated on or after 1st April 2020, download your General Mortgage Conditions below. 

If your Second Charge Mortgage offer is dated before 1st April 2020, please refer to the General Mortgage Conditions or Loan Agreement provided to you with your offer, or contact us for details.

Click here to download the Second Charge General Mortgage Conditions for 2021 – Version 1.0

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: Harman House, 1 George Street, Uxbridge, London UB8 1QQ. 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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Intermediary Mortgages

Working on DIP referrals received on:

30th September

Responding to application portal broker messages on:

30th September

Reviewing applications sent to our underwriters on:

29th September

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30th September

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30th September

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