Brokers

We are here to help brokers and their customers fulfil their ambitions. By offering simple, inclusive products. By having a human approach to decision-making. By being easy to work with. And by providing specialist expertise you can rely on.

Customers

Whether you’re an existing or new Pepper Money customer, you can find all you need to know about our products or help and support options.

About us

Based in Cardiff, London, and Manchester, Pepper offers a range of first charge and second charge mortgages to customers who are often overlooked by high street lenders.

FOR BROKERS

WHAT WE'RE ABOUT

A human approach to underwriting

It’s easy for some lenders to say ‘no’. To look but not see. To close a door, not open one. At Pepper Money, we think differently. And we’re here to support you completely.

Part of the global Pepper Group, Pepper Money is an award-winning UK-based specialist lender who takes a human approach to underwriting. Our customers range from; first-time buyers, buy-to-let investors, those looking to remortgage, or those looking to borrow additional funds secured against their existing property.

Our mortgages and second charge products are available via our broker partners.

BROKERS

How we help you succeed

We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.

By being easy to work with

Enjoy direct access to a decision maker. Clear, timely communication. And smoother case managment thanks to our online portals.

By taking a human approach to decision-making

We consider people, not credit scores. So you get a fairer – and often more generous – lending decision.

Residential Mortgages

Second Charge Mortgages

First Homes Mortgages

Right to Buy Mortgages

Help to Buy Mortgages

Shared Ownership Mortgages

CUSTOMERS

Our mission is to help people succeed

We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.

Through our broker partners

we provide mortgages to first-time buyers, home movers, and landlords who are overlooked by high street lenders.

We offer a wide range of homeowner loans

These can be applied for by talking to one of our trusted broker partners.

Homeowner Loans

Residential Mortgages

First Homes Mortgages

Right to Buy Mortgages

Help to Buy Mortgages

Shared Ownership Mortgages

ARTICLES & BLOGS

A little further reading

If you’d like to dig deeper, read our articles and blogs for the best Homeowner Loan content and insight.

Are Brits hiding financial secrets from their partners?

We investigate financial secrecy with many Brits reportedly hiding debts, salaries, and even outgoings from their partners.

One dentist to every 600 children: How NHS dentist shortages are pushing parents into debt

We highlight the financial challenges families face when it comes to funding essential dental treatments.

What is an early repayment charge?

Discover what an early repayment charge is, why lenders apply it, and how it could affect your mortgage if you repay early. Learn tips to manage or avoid it.

How to put a second charge mortgage on a property

Learn how to secure a second charge mortgage on your property including how to apply and key considerations for borrowing against your home's equity.

How much can I borrow on a secured loan?

Find out how much you can borrow on a secured loan. Learn what factors affect loan amounts and tips to maximize your borrowing potential.

Garage conversion ideas and costs

Discover garage conversion ideas, costs & financing options to enhance your home’s space.

Pepper Money UK