A human approach to underwriting.

Lender Products

Residential Product Guide

Help to Buy Product Guide


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

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

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

Better with Pepper!

How to register with Pepper Money

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 – you must be registered with Pepper Money as an intermediary in order for 3mc to submit an AIP

In order to submit an enquiry or DIP for Pepper Money then please register/login to/for 3mcView here