Our Products

A flexible range for your interesting cases.

Conversations. Not credit scoring.

Our product range is flexible and competitive and based around the proposition of using humans to apply common sense to real circumstances involving real people. Yes, we rely on conversations rather than credit scoring.

We provide you with a range of Residential and Buy to Let products that are designed for clients whose needs are less straightforward. This includes those with blips on their credit rating and the recently self employed.

In other words, we're interested in your interesting cases.

See our rates
Buy to Let
Buy to Let
See our rates

Quick Overview

  • Residential rates from 2.93%
  • No credit scoring 
  • Buy to Let rates from 3.38%
  • Self employed - minimum 1 year's trading
  • Residential loans up to 85% LTV
  • Buy to Let loans up to 80% LTV
  • No maximum value for CCJs / Defaults
  • Free legals on all remortgages
  • Loans up to £1m
  • Maximum age 75 at end of term (85 for Buy to Let)


Want to see our full lending criteria?

Residential Lending Criteria Buy to Let Lending Criteria

We want your interesting cases


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 fulfill 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.

Get in touch

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. 

Find your BDM


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