Pepper Home Loans

Pepper Money are an award-winning specialist lender offering Residential and Buy to Let mortgages exclusively through intermediaries.

Pepper believe in challenging the accepted; they recognise that credit scores don’t tell the whole story, so we review each case on its own merits.

That’s why Pepper are able to help intermediaries with their interesting cases, including the recently self-employed, those with credit blips, complex income, young credit history or previous financial difficulties.

With competitive products, wide ranging criteria, an experienced team and an appetite for lending – Pepper have a commitment to building strong relationships and offering a straightforward, easily accessible service.

Pepper's product range is flexible, allowing their underwriters to apply common sense to real circumstances involving real people. They’re designed for clients whose needs are less straightforward:

  • No maximum value for CCJs/Defaults
  • Self-employed - minimum 1 years trading
  • Free Legals on all Remortgages

Buy to Let Range

  • No credit scoring
  • Up to 80% LTV on loans up to £750,000 & up to 75% LTV on loans up to £1 mil
  • Rates starting from 3.13%
  • 5 year fixed rates starting from 3.48%
  • Minimum income requirement – £18,000 (joint)
  • Minimum age requirement – 25 years old
  • Maximum age requirement – 85 years old at end of term
  • First Time Landlords Accepted
  • Will consider ignoring balances below £200 if no more than 1 month in arrears
  • CCJs and Defaults - No max value and no satisfaction required
  • Free Legals on Remortgage products available
  • 5 Year Fixed rates assessed on 140% of pay rate

Residential Range

  • No credit scoring
  • Up to 85% LTV on loans up to £750,000 & up to 75% LTV on loans up to £1 mil
  • Rates starting from 2.28%
  • 5 year fixed rates starting from 2.88% - best for affordability
  • Self-Employed - minimum of 12 months trading
  • First Time Buyers accepted
  • No max value on CCJs and Defaults. No satisfaction required
  • Adverse considered, Manual assessment, not credit scored
  • No max value on CCJs and Defaults
  • Less than perfect credit rating
  • Minimum property valuation: £70,000
  • Free Legals on all remortgage products available

To discuss Pepper Money, call our Sales Team on 01403 272625 (option 2) or email us at