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. 

Residential Rates
Residential
See our rates
BTL Rates
Buy to Let
See our rates

Quick Overview

  • Residential rates from 2.28%
  • No credit scoring
  • Buy to Let rates from 3.13%
  • 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)

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.

These changes highlight our passion for innovation and continuous improvement. Register to use our new portal now and you could win £500 worth of vouchers towards a change of your own*.

 

*Terms & Conditions apply

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.

 

Find your BDM

Cookies

Pepper (UK) Limited uses cookies to improve your experience on this website. By using this website you agree that we may store and access cookies on your device. You may delete and block cookies from this website at any time but this may affect certain sections of this website. You can find out more about cookies on this website here.

The content in the Lending section of this website is aimed at professional intermediaries only and is not for public distribution. If you are a professional intermediary, please click accept to continue - if you press the decline button we’ll take you to our existing customer section.