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 Special Product Range

3mc and Pepper have launched a two range exclusive product scheme

  • Exclusive Residential 2 year fixed – Pepper 18 (up to 85% LTV), 12 (up to 80% LTV) and 6 (up to 75% LTV)
  • Exclusive Buy to Let 5 year fixed – Pepper 18 (up to 80% LTV), 12 (up to 80% LTV) and 6 (up to 75% LTV)
  • Limited Edition Buy to let and Residential Product Guides
  • Buy To Let Limited edition range up to 80% LTV on Pepper 48 and Pepper 36 range
  • Residential Limited edition range up to 85% LTV on Pepper 48 and Pepper 36 range
  • Packaged product range only (3mc Special)
  • Latest product guide for both ranges attached

Pepper Money Buy To Let Product Guide

Latest product guide below


Pepper Money Residential Product Guide

Latest product guide below