Getting started
How to register with this lender as a new user
With a dedicated application portal, it’s quick and easy to submit your cases to Pepper Money.
How to add Mortgage Club as a payment route with this lender
It’s quick to update how you submit. Just head to your User Profile. Then select Change your submission route and choose Legal & General Mortgage Club.
Once that’s done, you’re ready to submit your application through the right payment route.
How to contact this lender
You can discuss client circumstances with our experienced BDM team before submitting a DIP.
Find your BDM or call on 03333 701 101.
Procuration Fees
| Fee received from lender (Gross fee) | We'll pay you (Net fee) | |
|---|---|---|
Residential | 0.500% | 0.400% |
Residential Product Transfers | 0.27% | 0.25% |
Buy to Let/HMO | 0.50% | 0.40% |
The Procuration Fee details will be completed using the details provided by your Relationship Manager, so you do not need to update us separately.
Who we are
Pepper Money is a specialist mortgage lender working exclusively with intermediaries. We offer Residential, Buy to Let and Affordable Homeownership products designed to help more of your customers move forward.
We understand that not every customer fits a high street model. That’s why we take a more human approach. We look at the full picture, not just a score or a single moment in time. And we look for ways to say yes, rather than reasons to say no.
Our experienced underwriters assess each case on its own merits, giving you clarity and confidence at every step. It means a fairer, more considered outcome for your customers – and a smoother journey for you.
We help you place cases that don’t quite fit the mainstream. Customers with complex income, a recent life event, or a small credit blip. The kinds of cases that need a closer look.
Our flexible criteria and human underwriting mean every application is reviewed properly. No automated credit scoring. Direct access to underwriters, and a clear path to decision.
Because when you understand the individual behind the application, better decisions follow. It all adds up to one thing. More opportunities for you to help your customers succeed.
What we do
We give you more ways to say yes. Especially for customers who sit just outside high street criteria.
Our approach is simple. We look at the full story, and back it up with inclusive criteria that helps you place more cases with confidence.
That includes:
- No credit scoring – every case is assessed by an experienced underwriter
- Direct access to decision makers throughout the case
- Up to 100% of variable income accepted, including bonuses and commission
- Self-employed customers considered from just one year’s trading
- No debt-to-income ratio and unsecured credit doesn’t impact product tier
- No value limit on CCJs and defaults in many cases, and they don’t always need to be satisfied
- Customers in active debt management plans considered on our DMP range
And when a case falls just outside criteria, Pepper Flex bridges the gap. It’s built into the journey. No separate process. Same product and rate. Just more flexibility when it’s needed.
For Buy to Let, our Bye to Less approach keeps things straightforward. Less paperwork. No portfolio stress testing. And rental based on market rent, not personal income.
It all adds up to a smoother process, clearer decisions, and more opportunities to help your customers move forward.