Pepper Money launched in 2015 as a division of Pepper UK and as a non-bank funded lender providing specialist residential and buy to let mortgages.

What are the mortage products Pepper Money offers? 

Pepper Money offers tailored fixed, discounted and variable rate homeowner loan products.

How can I apply for a Pepper Money product? 

To apply for a product from Pepper Money, you would typically need to go through an intermediary, such as a mortgage broker or financial advisor.

Can Pepper Money help residential mortgage customers?  

Pepper Money offers products for buying or refinancing homes, particularly for customers whose needs may not be met by mainstream lenders.

Can Pepper Money help Self-employed mortgage customers? 

Pepper can lend to self-employed customers based on just one year's accounts and three months' business bank accounts.

Can Pepper Money help first time buyer mortgage customers? 

Pepper Money offers a range of first time buyer mortgages including a suite of products that support a number of first-time buyer schemes, including Shared Ownership and Right to Buy.

Can Pepper Money help adverse mortgage customers? Or customers with poor credit rating?  

Pepper Money is synonymous for helping customers with adverse credit. This includes providing mortgages to customers which may have CCJs, Defaults. Or  been bankrupt or has a debt management plan. Pepper money has  mortgage products for those with complex income, self-employed, young credit history, and those who have experienced previous financial issues.

Can Pepper Money help later life or retired mortgage customers? 

The term cannot extend beyond the applicants stated retirement age or 75 years. 

Can Pepper Money help with second charge mortgages, secured loans or homeowner customers?  

Pepper Money specialises in second charge mortgages.

Can Pepper Money help buy to let mortgage customers?  

Pepper does not have specific buy to let mortgage products.

Can Pepper Money help limited companies buy to let mortgage customers? 

Pepper Money does not specify if they let limited companies.

Can Pepper Money help with commercial or short-term mortgage customers?  

Pepper Money does not offer short term or commercial mortgages. 

What Credit scoring agency does Pepper Money use? 

Pepper Money states that they use a flexible rating system.