Our flexible and competitive Residential and Buy to Let products are designed for clients whose needs are less straightforward. 

We now consider clients who are currently in an active Debt Management Plan (DMP), and have introduced a DMP range. We've also launched a range of fresh criteria. Check it out here. 

Remember, we like conversations not credit scores so if you've got an interesting case, we're interested.

DMP Range
DMP Range
Residential Rates
BTL Rates
Buy to Let

Quick Overview


  • NEW Limited Edition for those with adverse credit as recently as 7 months ago
  • Product range for those in an active DMP (residential only)
  • Residential rates from 2.38%
  • Buy to Let rates from 3.13%
  • No credit scoring
  • Free legals on all remortgages
  • CCJs / Defaults don't need to be satisfied and we have no ££ value limit
  • We've launched a range of Fresh Criteria - check it out here

We want your interesting cases  

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.

Rob Barnard

Get in touch

If you’re unsure of anything and want to discuss a case, a member of our sales team will be happy to help.


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