Pepper Money

We've got an appetite for the interesting, offering Residential and Buy to Let mortgages exclusively through intermediaries. 

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.


How can we help?


Product Info
I'm looking for product information
Lending criteria
I'm looking for lending criteria
How to submit a case
I want to find out how to submit a case
Find BDM
I want to talk to a BDM

Quicker, easier, clearer

Pepper Money has arrived. With the new name comes our new application portal that will make dealing with your interesting cases quicker, easier and clearer than ever before.

Our aim is to make it easier for you to get the answers you need as quickly as possible. And you’ll immediately see just how simple the portal is to use. Here are just a few ways we’ve improved the portal.

Single view, improved case tracking makes case status clearer – and your most recently entered cases will always appear in this list.

Have you ever gone to submit a case only to find the DIP’s expired? Problem solved – we’ll remind you so you don’t have to worry about missing any deadlines.

We’ll never leave you confused as to what you need – a clear requirements list is automatically generated for you.

You’ll have more control… Frustrated at not knowing why a DIP has been declined? We’ll tell you why at the time we decline, so you don’t need to chase for answers.

When an application is underwritten and you want to get the valuation underway, instruct it yourself whenever you’re ready. There is no need to call us.

It will help you save time…We’ve added the ability to copy previously submitted applications to save re-keying.

You can generate multiple standalone product illustrations before DIP, then choose the one you want to proceed to DIP with when you’re ready.

To help give you the most accurate decision all the relevant information we need is collected at DIP stage. And once a DIP is accepted we’ll automatically create an ESIS for you based on the latest information.

If you’re registered on the old Pepper Homeloans portal, you’ll need to register again to benefit from the new system. You can self-register in minutes and from now on you can do all on-going account management, like password changes or amending your address, quickly and easily yourself.

So, we’ve got a new name and a new application portal for your interesting cases. But don’t worry, we’re still the same helpful, award-winning Pepper. We certainly won’t be changing our appetite for lending, our attitude to building strong relationships or our commitment to offering a straightforward, easily accessible service. All exclusively for brokers like you.

More reasons to use Pepper Money?

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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