Pepper Money
Pepper Money

Pepper Money

Interesting Case? We're interested.

Our products and criteria have been designed to suit people in interesting situations, people who have a complex income, a young credit history, experienced previous financial difficulties, missed payments, or are recently self-employed.


Key Features & Video


Proc Fees

Product Gross Net
All 0.27% 0.25%
Product Type When does the lender pay PMS? Frequency

5 - 10 working days.


Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.  


Post Code Restrictions: Lender-InfoBoxWhite

Please note we don't lend on properties in Scotland & Northern Ireland.

Register Lender-InfoBoxWhite

Register to place business with Pepper Money:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


Pepper Money are a multi-award-winning specialist lender offering mortgages exclusively through intermediaries.

Pepper Money believe in challenging the accepted. They take a more human approach to underwriting, to build a truer picture and reach a fairer outcome for your customers.

Their ever improving range of tools and resources available to our broker partners such as affordability calculators provide a guide of the maximum amount your customer may be able to borrow. Plus, you can identify the right product and documents required for your customer in seconds with their Product Finder and Document Finder.

They pride themselves on their ability to look beyond the numbers on a credit score and their specialist team of skilled, mandated underwriters review each case on its own merits.

With broad criteria, competitive pricing and a positive lending attitude, they help you to help more of your customers. From first time buyers and the recently self-employed, to those with adverse credit or complex incomes.

Why choose Pepper Money?

Here’s why your specialist mortgage cases could be Better with Pepper:

Better for service and support

  • Manual underwriting on all cases
  • Dedicated underwriting contact from application to offer
  • No credit scoring or auto-cascading – the product you see is what you get
  • Transparent range based on registration date of latest CCJ, default or secured missed payment
  • Unsecured credit never affects product tier
  • No value limit on CCJs and defaults; no need for them to be satisfied
  • Capital raising permissible, without LTV restriction, e.g. for business use or debt consolidation
  • No debt to income ratio

Better for Residential

  • One year’s self-employed trading accepted
  • Latest year used for affordability when trading for two years or more
  • Day rate contractors must be in a contract and able to demonstrate a minimum 12 months’ history (daily rate x 5 x 46)
  • Interest Only up to 60% LTV with no amendments to criteria
  • Sale of main residence accepted as repayment vehicle with no pre-defined minimum equity
  • They use ‘add backs’ for Limited Co Directors, including pension, car allowance and home office costs, to boost affordability

Better for Shared Ownership Mortgage Products

  • Max LTV of 75% available
  • Suitable for your customers who may miss credit scoring thresholds.
  • One year’s self-employed trading accepted.
  • 50% of overtime, bonuses and commission accepted to boost affordability.
  • Unsecured credit never affects product tier.
  • No value limit on CCJs and defaults; no need for them to be satisfied.

Important Resources 

You’re better with Pepper

You can discuss client circumstances with their experienced BDM team before submitting a DIP.  

Find your BDM or call on 03333 701 101 

Pepper Money Videos