Pepper Money
Pepper Money are a multi-award-winning specialist lender offering Residential and Buy to Let mortgages exclusively through intermediaries.
Pepper Money believe in challenging the accepted. They take a more human approach to underwriting, to build a truer picture and reach a fairer outcome for your customers.
They pride themselves on their ability to look beyond the numbers on a credit score and their specialist team of skilled, mandated underwriters review each case on its own merits.
With broad criteria, competitive pricing and a positive lending attitude, they help you to help more of your customers. From first time buyers and the recently self-employed, to those with adverse credit or complex incomes.
Why choose Pepper Money Here’s why your specialist mortgage cases could be Better with Pepper: Better for service and support
Pepper Money believe in challenging the accepted. They take a more human approach to underwriting, to build a truer picture and reach a fairer outcome for your customers.
They pride themselves on their ability to look beyond the numbers on a credit score and their specialist team of skilled, mandated underwriters review each case on its own merits.
With broad criteria, competitive pricing and a positive lending attitude, they help you to help more of your customers. From first time buyers and the recently self-employed, to those with adverse credit or complex incomes.
Why choose Pepper Money Here’s why your specialist mortgage cases could be Better with Pepper: Better for service and support
- Manual underwriting on all cases
- Dedicated underwriting contact from application to offer
- No credit scoring or auto-cascading – the product you see is what you get
- Transparent range based on registration date of latest CCJ, default or secured missed payment
- Unsecured credit never affects product tier
- No value limit on CCJs and defaults; no need for them to be satisfied
- Capital raising permissible, without LTV restriction, e.g. for business use or debt consolidation
- No debt to income ratio
- One year’s self-employed trading accepted
- Latest year used for affordability when trading for two years or more
- Day rate contractors must be in a contract and able to demonstrate a minimum 12 months’ history (daily rate x 5 x 46)
- Interest Only up to 60% LTV with no amendments to criteria
- Sale of main residence accepted as repayment vehicle with no pre-defined minimum equity
- They use ‘add backs’ for Limited Co Directors, including pension, car allowance and home office costs, to boost affordability
- They have no background portfolio stressing
- 125% of pay rate for Limited Company BTL irrespective of applicant tax band
- No maximum cumulative LTV % gearing limit on the background portfolio
- Market rental figures used as advised by the valuer rather than rent received
- Product Guide Residential (26/03/26)
- Product Guide Residential First Home (26/03/26)
- Product Guide Residential Help To Buy (26/03/26)
- Product Guide Residential Right To Buy (26/03/26)
- Product Guide Shared Ownership (26/03/26)
- Product Guide Buy To Let (26/03/26)
- Product Guide limited Company Buy To Let (26/03/26)
