We are aware of scams involving individuals being offered loans for an advanced upfront fee. With the fraudster posing as a representative of a financial services organisation. At Pepper Money we do not charge any fees before the application stage. We would not approach you directly in this way. Your broker will be able to tell you what fees and charges the product you’re applying for has, and when they will be charged. If you think you have been a victim of such a scam, please contact your bank immediately and report it to action fraud.
Additional Support
At Pepper Money, our main lending principle is to encourage and support financial inclusion for all. This is underpinned by our human approach to underwriting, enabling us to build a truer picture and reach a fairer outcome for customers.
We pride ourselves on our ability to look beyond the numbers of a credit score, and our specialist team of skilled, manual underwriters review each case on its own merits.
We appreciate that life changes can impact a customers circumstance in various ways. Our relationship with both our broker partners and customers helps us to identify and understand the pressures and issues some customers may face. It is important we continually work together to provide the specialist support to help manage and where possible, overcome the causes of additional pressures and issues that impact wellbeing.
If your circumstances have changed and you are worried that you won’t be able to keep up with your mortgage or loan payments now or in the future please contact us on
Mortgage customers: 0333 370 1102 (lines are open 9am-6pm Monday to Friday)
Homeowner loan customers: 0333 014 3125 (lines are open 9am-6pm Monday to Friday)
We understand that in some cases it may be beneficial to gain professional support to help manage the challenges that our customers face. We have created a list of organisations providing specialist help, to make it easier for our customers to get the support they need. Please view the list below to access contact details and links for a range of professional support organisations.
Our glossary is Pepper Money’s guide to decoding the world of mortgage language. Find out more about what common terms actually mean.
Health
Such as conditions or illnesses that may impact day to day tasks
Physical Disability
Severe or Long-term Illness
Hearing or Visual Impairments
Mental Health
Contact Information
Scope
Disability Equality Charity in England and Wales
Royal National Institute for Deaf People
UK hearing loss charity and community
Website: https://rnid.org.uk/
Tel: 0808 808 0123
Royal National Institute for Blind People
UK Sight Loss Charity and Community
Website: https://www.rnib.org.uk/supportingyou
Tel: 0303 123 9999
Mind
Mental Health Charity in England and Wales
Capability
Such as lower knowledge or confidence in financial matters, or relevant areas such as literary or digital skills
Financial matters
Literacy and Numeracy
English Language Skills
Digital Skills
Learning Impairments
Contact Information
Mencap
Charity supporting those with learning disabilities
Website: https://www.mencap.org.uk/
Tel: 0808 808 1111
Citizens Advice
Independent organisation providing advice on debt, benefits, employment and housing
Website: https://www.citizensadvice.org.uk/
Tel: 03454 040506
Step Change
Debt Charity providing free independent advice
Website: https://www.stepchange.org/
Tel: 0800 138 1111
The Money Charity
UK financial capability charity
Website: https://themoneycharity.org.uk/
Tel: 0207 062 8933
Life events
Such as experiencing bereavement or a relationship breakdown
Retirement
Caring Responsibilities
Bereavement
Income shock
Care Leavers and Former Inmates
Contact Information
Citizens Advice
Independent organisation providing advice on debt, benefits, employment and housing
Website: https://www.citizensadvice.org.uk/
Tel: 03454 040506
Civil Legal Advice
Legal aid that can help pay for legal advice, family mediation and representation
Website: https://www.gov.uk/legal-aid
Samaritans
Charity aiding people in emotional distress
Website: https://www.samaritans.org/
Tel: 116 123
Cruse
UK bereavement charity and support network
Website: https://www.cruse.org.uk/
Tel: 0808 808 1677
Princes Trust
Charity supporting vulnerable young people
Website: https://www.princes-trust.org.uk/
Tel: 0800 842842
Resilience
Such as a lower capability to withstand financial or emotional shocks
Low income
Debt
Insolvency
Bankruptcy
Financial advice
Contact Information
Money Helper (formally Money Advice Service)
Money advice on a wide range of subjects
Website: https://www.moneyhelper.org.uk/
Tel: 0800 138 7777
National Debt Line
Free independent debt advice
Website: https://nationaldebtline.org/
Tel: 0808 808 4000
Step Change
Debt Charity providing free independent advice
Website: https://www.stepchange.org/
Tel: 0800 138 1111
The Money Charity
UK financial capability charity
Website: https://themoneycharity.org.uk/
Tel: 0207 062 8933
Citizens Advice
Independent organisation providing advice on debt, benefits, employment and housing
Website: https://www.citizensadvice.org.uk/
Tel: 03454 040506
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If you have problems using a computer because of a disability or impairment then we recommend that you visit our Accessibility Page which provides lots of advice on how to make your computer easier to use.