Skip to main content

Pepper Money.

Pepper Money logo

How to register with this lender as a new user

Register to the new Pepper Money portal

We’ve launched a new application portal to help make dealing with your interesting cases quicker, easier and clearer.


Registering to use the portal only takes a matter of minutes and you’ll need to register on the new system even if you’ve previously registered with Pepper. You could even win £500 of vouchers! (Terms & Conditions apply

Previously registered with Pepper Homeloans?

If you're working with an existing case which was submitted before 1 October, don't worry, you'll still be able to access the old portal until these are completed – access the old portal here.

How to contact this lender

For more details please contact your BDM directly or call 03333 701 101.


Pepper Money (previously Pepper Homeloans) is a multi-award-winning specialist lender offering Residential and Buy to Let mortgages exclusively through intermediaries.

We believe in challenging the accepted. That’s why we don’t credit score to make decisions, nor to determine pricing. Instead, our team of skilled, mandated underwriters reviews each case on its own merits.

Your clients could benefit from our competitive rates from just 2.28% – amongst the lowest for those who marginally fail a credit score.

If you’ve got a client who’s recently self-employed, has credit blips, a complex income, young credit history or previous financial difficulties, speak to Pepper – we’re interested.

>> Discover more  

Highlights of our flexible products and wide ranging criteria:

  • Highly Competitive Rates – from as low as 2.28% (Residential) and 3.13% (Buy to Let)
  • Range of 5 Year Fixed Rates – with affordability calculated at the pay rate, for Residential and Buy to Let
  • CCJs and Defaults – don’t need to be satisfied and we have no ££ value limit, can be registered as recently as 7 months ago
  • Capital Raising – including debt consolidation up to our maximum LTVs for most legal purposes
  • Self-Employed – trading less than 2 years? We only require 1 year’s finalised accounts or SA302
  • Let to Buy – We do Let to Buy with no additional rules. We’ll do the Residential. We’ll do the Buy to Let. We’ll do both – right up to our maximum LTVs
  • Interest Only – available on all products up to 60% LTV for purchases only, sale of main residence acceptable repayment with no minimum equity requirement
  • Strong Approach to Affordability – 100% of overtime, shift allowance or bonus paid every week or month, flexibility around non-court ordered maintenance and many regular benefits
  • Free Legals – free standard legals on all remortages, provided by a reputable firm of solicitors
  • Minimum Income £18k – our minimum income per application and this can be joint income
    But it doesn’t end there…

>> Find out more about our product range 

>> Find out more about our criteria  

Submit a case

>> Submit a case  

Pepper Money logo Fee received from
lender (Gross fee)
We'll pay you
(Net fee)
Residential 0.500% 0.400%
Buy to Let 0.500% 0.400%

Need help?

Call our Mortgage Support Services team on 
01226 230 504

Monday to Friday, 9am to 5.30pm. We may record and monitor calls.

Using an Ipad

Mortgage Club TV

Sign up to Mortgage Club TV today and view webinars, interviews and search an archive of helpful videos.

Case Quality

Submit quality mortgage applications - we're here to help you get it right first time.

Before submitting an application -  Always check the lenders packaging guide and carry out a DIP/AIP

See more top tips here