Pepper Homeloans

Pepper Homeloans is committed to the intermediary market. We offer a flexible range of products up to 85% LTV for residential and 80% LTV for BTL.

We do not credit score. All cases are manually underwritten. Whether we say yes or no, how we got there is completely transparent. Pepper provides direct access to underwriters and dedicated case owners.

We offer Discount Tracker, 2, 3 and 5 year Fixed Rate Mortgages, and will consider applicants who have had up to 2 adverse credit events in the last 12 months, with no maximum £’s amounts for CCJs or defaults – total amounts above £2,000 will be referred to an underwriter.

How to Register with this Lender

Before the case goes to Pepper we need to obtain the necessary DIP information.

To obtain a decision in principle you will need to complete the form below and submit it by email to

Pepper Homeloans DIP Form

Once this is complete and meets our criteria we will input the information into Pepper’s system.

Once this has been inputted, we will come back to you with either terms, or a reason for decline.

Lender Products

Pepper Homeloans Residential 5 Year Fixed 3mc Exclusive Product Guide

Product highlights include: –

  • NP1 @ 75% – 2.99% with a completion fee of £1,495
  • NP2 @ 75% – 3.09% with a completion fee of £1,495
CCJs and Defaults Don’t need to be satisfied
and we have no ££ value limit
No Credit Scoring
We don’t use credit scoring to make decisions, or to
determine product pricing
Capital Raising
Including debt consolidation,
up to maximum LTVs



Pepper Homeloans Buy To Let Product Guide

Latest product guide below