Pepper Money

Pepper Money

We’re an award-winning specialist lender offering Residential and Buy to Let mortgages exclusively through intermediaries.

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

That’s why we’re 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 flexible and competitive products, wide ranging criteria, an experienced team and an appetite for lending – we have a commitment to building strong relationships and offering a straightforward, easily accessible service.

Interesting case? We’re interested.

How to Register with this Lender

As part of our recent change to Pepper Money, we’ve also launched a new application portal to help make dealing with your interesting cases quicker, easier and clearer.

If you’re new to Pepper or have a new case to submit, you’ll need to use the new portal.

Our registration process is quicker and simpler than ever, and our online form should only take a couple of minutes to complete.

>> Register (set the word register as hyperlink using):

Pepper Money Portal Link

Note – If you have an existing case, submitted on or prior to the 1 October 2017, please log into our previous portal to track your case.

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

Pepper Money Data Capture 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 Money 3mc Residential Exclusive

Product highlights below: –

  • Rates from 2.99% @ 75% LTV
  • Fixed completion fee – £1,495
  • ERC’s 5 years 4%, 4%, 3%, 3%, 2%
  • Minimum income £18,000
  • 100% secondary income accepted
CCJs & Defaults don’t need to be satisfied
and we have no ££ value limit
We don’t use credit scoring

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 Money Buy To Let Product Guide

Latest product guide below


Pepper Money Residential Product Guide

Latest product guide below