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Homeowner Loans

  • Mortgages

    Mortgages

    • Mortgages

    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.

    • Residential Mortgages
    • Affordable Home Ownership

    Our lending decisions aren’t solely based on a credit score. Our human approach to underwriting allows us to reach a fairer outcome for a broad range of customers.

    • Shared Ownership Mortgages
    • Help to Buy Mortgages
    • Frequently asked questions

    We have the answers we often get asked by potential applicants, if you’re in the process of applying for a mortgage, or you have a mortgage with us, we have all you need to know.

    • Thinking of applying?
    • Application in progress?
    • You have a mortgage with us?
    • Useful Pages
    • About us
    • News
    • Feedback
    • Contact us
    • Careers

    Mortgages

    • Mortgages

    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.

    • Residential Mortgages
    • Buy to Let Mortgages
    • Affordable Home Ownership

    Our lending decisions aren’t solely based on a credit score. Our human approach to underwriting allows us to reach a fairer outcome for a broad range of customers.

    • Shared Ownership Mortgages
    • Help to Buy Mortgages
    • Frequently asked questions

    We have the answers we often get asked by potential applicants, if you’re in the process of applying for a mortgage, or you have a mortgage with us, we have all you need to know.

    • Thinking of applying?
    • Application in progress?
    • You have a mortgage with us?
    • Existing Customers

    If you have a mortgage with Pepper Money, here are the answers to some frequently asked questions from our customers.

    • Existing Customers
    • Money Worries
    • Your Account
    • Payments & Fees
    • General Questions
    • Making a Complaint
    • Keeping Your Money Safe
    • Useful Pages
    • About us
    • News
    • Feedback
    • Contact us
    • Careers
  • Intermediary

    Intermediary Mortgages

    Second Charge

    • Customers

    Life can be complex, and the needs of your customers can be too. As a specialist mortgage lender, we’re here for you, to help them succeed.

    • Customers
    • Affluent Borrowers
    • Almost Primers
    • Comfortable Consolidators
    • Recent Recoverers
    • Hopeful Homeowners
    • Customer Support
    • Products

    We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.

    • Residential Mortgages
    • Shared Ownership Mortgages
    • Help to Buy Mortgages
    • Criteria

    Our mortgage criteria is designed to help your customers with unique circumstances who would benefit from a more human underwriting approach.

    • Residential Criteria
    • Shared Ownership Criteria
    • Help to Buy Criteria
    • Calculators

    Our mortgage calculators will help to give you an indication of how much we could lend your customers and it’s super quick and really simple to use.

    • Residential Calculator
    • Shared Ownership Calculator
    • Help to Buy Calculator
    • Resources

    Find all the material you need for your next specialist Residential, Affordable Home Ownership or Buy to Let Mortgage application.

    • Intermediary Mortgage Sales Team
    • Downloads
    • Solicitor Panel
    • Broker Onboarding
    • Intermediary Checklist
    • Buy to Let Portfolio Schedule
    • Specialist Lending Study
    • Contact Us
    • Second Charge Mortgages

    Our dedicated team work with a range of approved specialist partners to offer second charge mortgages to customers. 

    • Mortgage Products
    • Mortgage Criteria
    • Broker Registration
    • Second Charge Sales Team
    • Contact Us

    Intermediary Mortgages

    Second Charge

    • Customers

    Life can be complex, and the needs of your customers can be too. As a specialist mortgage lender, we’re here for you, to help them succeed.

    • Customers
    • Affluent Borrowers
    • Almost Primers
    • Comfortable Consolidators
    • Recent Recoverers
    • Customer Support
    • Products

    We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.

    • Residential Mortgages
    • Buy to Let Mortgages
    • Ltd Company Buy to Let Mortgages
    • Shared Ownership Mortgages
    • Help to Buy Mortgages
    • Criteria

    Our mortgage criteria is designed to help your customers with unique circumstances who would benefit from a more human underwriting approach.

    • Residential Criteria
    • Buy to Let Criteria
    • Ltd Buy to Let Criteria
    • Shared Ownership Criteria
    • Help to Buy Criteria
    • Calculators

    Our mortgage calculators will help to give you an indication of how much we could lend your customers and it’s super quick and really simple to use.

    • Residential Calculator
    • Buy to Let Calculator
    • Shared Ownership Calculator
    • Help to Buy Calculator
    • Resources

    Find all the material you need for your next specialist Residential, Affordable Home Ownership or Buy to Let Mortgage application.

    • Intermediary Mortgage Sales Team
    • Downloads
    • Solicitor Panel
    • Broker Onboarding
    • Intermediary Checklist
    • Buy to Let Portfolio Schedule
    • Adverse Credit Study
    • Contact Us
    • Second Charge Mortgages

    Our dedicated team work with a range of approved specialist partners to offer second charge mortgages to customers. 

    • Mortgage Products
    • Mortgage Criteria
    • Broker Registration
    • Second Charge Sales Team
    • Contact Us
  • Existing Customers

    Existing Customers

    • Existing Customers

    If you have a mortgage with Pepper Money, here are the answers to some frequently asked questions.

    • Existing Customers
    • Money Worries
    • Your Account
    • Payments & Fees
    • General Questions
    • Making a Complaint
    • Keeping Your Money Safe
    • Frequently asked questions

    We have the answers we often get asked by potential applicants, if you’re in the process of applying for a mortgage, or you have a mortgage with us, we have all you need to know.

    • Thinking of applying?
    • Application in progress?
    • Useful Pages
    • About us
    • News
    • Feedback
    • Contact us
    • Careers
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Happy Holidays. Our Christmas Customer Service opening hours are: 19 – 23 December: 9am – 6pm  I  24 – 27 December: Office closed 

28 – 30 December: 9am – 6pm  I  31 December – 2 January: Office closed

Brokers/intermediaries please refer to our Broker portal for our Christmas servicing hours.

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Telephone BDM Team

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Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

27th January

Responding to application portal broker messages on:

27th January

Reviewing applications sent to our underwriters on:

27th January

Working on applications received on:

27th January

Currently reviewing valuations received on:

27th January

Answering calls in less than (average speed):

< 1 Minutes
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Navigation

  • Home
  • Homeowner Loans
  • Intermediary Mortgages
    • Residential Mortgage Products
    • Residential Mortgage Criteria
    • Residential Mortgage Calculator
    • Shared Ownership Mortgage Products
    • Shared Ownership Criteria
    • Shared Ownership Mortgage Calculator
    • Help to Buy Mortgage Products
    • Help to Buy Mortgage Criteria
    • Help to Buy Mortgage Calculator
    • Resources
      • Downloads
      • Broker Onboarding
      • Solicitor Panel
      • Intermediary Checklist
      • First Charge Contact
      • Specialist Lending Study
  • Intermediary – Second Charge
    • Second Charge Mortgage Products
    • Second Charge Contact
  • Personal
    • Residential Mortgages
    • Shared Ownership Mortgages
    • Help to Buy Mortgages
    • Find a broker
    • Contact us for mortgage enquiries
  • Existing Customers
    • Money Worries
    • Your Account
    • Payments and Fees
    • General Questions
    • Keeping your money safe
    • Make A Complaint
  • News
  • Careers