Pepper Homeloans

A practical lender with an appetite for interesting.

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Why Pepper?

An appetite for interesting

We help with clients that are often underserved by the high street. The recently self employed, those with credit blips, complex income, young credit history, or previous financial difficulties: to us, it’s all interesting.


Richard Klemmer, CEO, Pepper UK:

Back in 2001, Pepper began with a clear purpose; to help those who are underserved by traditional banking sectors.

In the UK, we are working hard to fulfil that purpose by providing flexible products with exceptional service, all backed by a global business.


Colin Snowdon, Managing Director, Pepper Homeloans:

When I joined Pepper last year, we started thinking hard about the kind of business we were writing, the kind of customers we were looking for.

We recognised that, as we were processing the business, we had a whole range of cases, from people in all sorts of situations, and one thing we realised was the cases have one thing in common – they’re all very interesting.

Rob Barnard, Director of Sales, Pepper Homeloans:

We thought long and hard about what word to come up with to basically capture all that we do, before we decided on interesting:

We thought of things like 'Adverse'. No, it’s not always right, not a lot of what we do is adverse

We thought about 'Difficult'. Well, it might be difficult for you, but we can help you make it a lot simpler than that

'Non-conforming'. I think that’s a really pre-dated word that went away with the credit crunch

'Specialist?' Yes it is, but a lot of the mainstream people do specialist lending

'Unconventional'. We don’t think that suits us at all

'Niche' – well, niche probably is…too niche

So really, we think that interesting sums up exactly what we do.


Rhona Potter, Head of Marketing, Pepper Homeloans:

What I like about interesting is it’s different and it perfectly describes in one word the types of borrower situations that we can help.


Rob Barnard, Director of Sales, Pepper Homeloans:

People often ask us what type of business we consider, and we see them falling into five different categories:

  1. Those that have suffered financial hardship
  2. Those that have had very simple credit blips
  3. People that haven’t got a great credit history, maybe an immature history
  4. People that are in self employment
  5. And indeed people that have maybe income coming from several sources of complex incomes

Ryan Brailsford, Business Development Manager, Pepper Homeloans:

I think the key thing about describing it as interesting is it opens up the vast array of what we’re able to help with under that banner.

There’s a real opportunity for brokers and packagers out there to be able to do interesting cases, easily, and help them to write more business by doing so.

Rob Barnard, Director of Sales, Pepper Homeloans:

Really, really straightforward to do business with us – registration is online and my telephone and field based team will be happy to help you.

If you’ve got an interesting case, we’re interested.

Conversations, not credit scoring

We start with a conversation rather than a credit score and take a sensible approach to underwriting. You'll have direct access to underwriters who think about risk in terms of your client’s situation. They assess each case on its own merits. No two people are completely alike, and the same goes for mortgage applications.

  • Real appetite for interesting cases
  • No credit scoring
  • Direct access to underwriting team
  • Flexible product range
  • A common sense approach to underwriting
  • Strong UK mortgage knowledge backed by a global organisation

Give us a call to talk through a case on the phone, or arrange a meeting with your local BDM

Find your BDM

The good things about Pepper

Clients First
You First

We only deal with intermediaries and put the needs of you and your clients first

Competitive Products
Competitive Products

You can access a range of products, with flexible criteria, for clients whose needs are off the beaten track

Easy to talk to
Easy to talk to

You can talk to one of our team directly to get the answers quickly


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