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To discuss a case, or find out more about our products, call our experienced team. Log into the application portal to get started, or register if it’s your first case with Pepper Money. We will help you find the right second charge mortgage deal for your customer based on their individual circumstances. Our Shared Ownership Mortgage products can help your customers to buy a share of a new build property. Our product range is structured around your customers most recent financial event including CCJs and defaults. Simply presented and completely transparent, our product range is easy to understand and match to your customers' individual needs.
I applied on Friday for a funeral and received acceptance on Monday morning. The rate is great and I just cant believe how quick I received a response. The most stressing time of my life and Pepper came around. Can't recommend pepper enough with their speed and customer service second to none.
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If you require financial or tax advice you should consult a licenced financial or tax adviser. All loan applications are subject to credit assessment and loan eligibility criteria. Loan to Value Ratio, also known as LVR, is the loan size in relation to the property’s purchase price. The size of the deposit plays a key role in determining the LVR, as the larger your deposit, the lower your LVR will be.
Whether you’re confused about refinancing, getting ready for your first auction, or just want to boost your deposit, our resources are here to make sense of all that finance jargon. I am currently applying for my third home/investment loan with Pepper and I have recommended them to family and friends. From caravans to consolidating debt, our loan options can help you realise your ambitions. Here’s a selection of insightful articles from the team at Pepper; we’ll provide regularly updated money management tips to help you on your loan journey. There might just be a special offer in here every now and then, too. On your loan card, you’ll see a summary of your next payment date, your outstanding loan balance, and your progress towards paying off your loan.
Mortgage Repayments
All applications are subject to credit assessment, loan eligibility criteria and lending limits. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment. All applications subject to credit assessment, loan eligibility criteria and lending limits. Information provided is factual information only,and is not intended to imply any recommendation about any financial product or constitute tax advice.
All our mortgages are available via intermediaries, alternatively, we can arrange Second Charge products directly via one of our fully qualified advisers. Our mortgage criteria is designed to help your customers with unique circumstances who would benefit from a more human underwriting approach. We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders. Life can be complex, and the needs of your customers can be too. As a specialist mortgage lender, we’re here for you, to help them succeed.
What others ask about our home loans
With flexible options to manage your repayments, low fees and bonuses for EV drivers, our car loan options make it easier toget on the road. We've got the online tools and calculators needed to help get your home loan journey underway. Work out how much you could borrow and even quickly find out what interest rate you might be eligible for. You’ll need to login with your details provided on settlement, or when your account was transferred over. For added security, we’ll also send a one-time-passcode to your registered mobile number each time you login.
We’ll firstly ask you to answer a few questions to determine how much you could borrow. Then we’ll ask a few more personal questions to access your credit file and provide you with an indicative interest rate. This repayment calculator gives you an estimate of what your home loan repayments could be, based on information you have provided in the calculator. The calculator does not take into account loan establishment or application fees, nor government statutory or lender fees.
Financially inclusive lending solutions
At this stage, all we need are a few details about you, your property, and how much you are looking to borrow. Raise funds make the most of the equity in their existing property. Whether you are new to us, an existing customer or one of our valued intermediary partners we’ve recently been through a period of change.
See if a homeowner loan could be right for you. Want a call with one of our advisers about your homeowner loan application? Just fill out some basic details and choose a time that works best for you. Our mortgage calculators will help to give you an indication of how much we could lend your customers and it’s super quick and really simple to use.
Our home loan borrowing capacity calculator asks a few personal and financial questions to calculate an estimate of how much you may be able to borrow with Pepper Money. After finding out how much you could potentially borrow, you can then either speak to a lending specialist about your situation, or continue on to get an indicative interest rate online. Any changes are likely to alter both the monthly payment amount and the total amount payable. Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers. As the interest rate is key to the total amount of interest payable over your loan, we’ve made it easy to get an indicative interest rate from Pepper Money online.
Pepper Money helped me consolidate my debts into one loan. The process was so easy, I was actually shocked how quick it was. Everything was done online and it was the best experience compared to other loans I've applied for in the past. If I ever need a loan in the future, I’ll be applying to Pepper Money again. Refinancing with Pepper enabled us to access equity in our property when our previous lender would not. This enabled us to purchase an investment property for our future.
Whether you’re moving on in the world and exploring new suburbs, needing a bigger space or maybe even downsizing - we’re here to help. Things may have changed since you last bought a property. Getting a home loan approval from traditional lenders today can mean having to tick a lot of boxes and fitting into a long list of fixed conditions. You’ll find our approach more personal and flexible. While a high credit score might help you get a rock-bottom interest rate, it may still be possible to apply for a home loan with a less-than-perfect credit score.
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