We are aware of scams involving individuals being offered loans for an advanced upfront fee. With the fraudster posing as a representative of a financial services organisation. At Pepper Money we do not charge any fees before the application stage. We would not approach you directly in this way. Your broker will be able to tell you what fees and charges the product you’re applying for has, and when they will be charged. If you think you have been a victim of such a scam, please contact your bank immediately and report it to action fraud.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

A fast, simple and secure Homeowner loan from Pepper Money

Whether you’re looking to the future, upgrading your home to dream status, reorganising your finances, or tying the knot in style; we’ve helped thousands of customers just like you, with over £1.8bn worth of homeowner loans since 2014

Important Information: We have changed how we work, which means we no longer offer homeowner loans directly to customers. This change doesn’t affect any applications in progress with us. 

You can still apply for a homeowner loan through one of our trusted broker partners and get access to the same products and great service. 

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Who we are...

We’re Pepper Money. The UK’s leading homeowner loans provider on a mission to help people succeed. ​

Whether you’re looking to the future, upgrading to your dream home, or tying the knot in style; we’ve helped customers with over £1.8bn worth of homeowner loans since 2014.

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What we do...

We help homeowners looking to borrow directly from a lender obtain up to £1 million. ​

We offer tailored rates to help mortgage holders looking to raise funds make the most of the equity in their existing property. Our loans are secured on your home.

Use our loan calculator to get an idea of how much you may be able to borrow. Or find a broker who can talk you through your options and give you their recommendation.
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What our customers think...

We set ourselves extremely high standards when it comes to service, and take a lot of pride in the feedback we receive from our customers. 

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Bad credit history
I was so nervous applying for pepper money as my husband had bad credit history in the last year but it was all worth it. The time scale was so quick, we applied, they asked for a few paper works… Thank you so much, you have been amazing. I cannot recommend you enough!
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2nd Charge remortgage additional funds
Absolutely excellent Service, Royema was brilliant very efficient and let me know what was going on all the way! Very fast and efficient service from Royema to the 2nd charge mortgage team who dealt with me after my initial enquiry, they did there upmost to get the valuation done as quick as they could, the whole process took less than 3 weeks. Thank you all would definately recommend
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Second Charge with Pepper.
Excellent service from Charlotte. Quick responses to emails had the whole thing finished in a couple of weeks. Highly recommended
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Had a great dealing with Pepper Money
Everyone I spoke to at Pepper Money were very friendly, happy and helpful. They were all personable, making it a more human experience and not robotic like some companies can be who dont show an ounce of personality. They were patient with me and gave me all the update and information I needed without me prompting. Plus great rates and deals from them, which really helped our personal circumstances!
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Very helpful and prompt to deal with
Very helpful and prompt to deal with
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Excellent from start to finish
Just completed our second charge mortgage with Pepper and cannot speak highly enough of them. Smooth and quick process from start to finish, quick response to emails, kept informed throughout. Flawless!
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We are proud of the service we deliver and our customers agree. We’re rated ‘Excellent’ on TrustPilot.

How much could I borrow...

Find out what your repayments might look like each month and how much you could end up paying with our homeowner loan calculator.

Sorry we are unable to help, we currently only offer products for homeowners.
Minimum existing mortgage balance of £5,000
Borrow amount is larger than the propery's value (less the existing mortgage)
Please select a value between £15,000 and £1,000,000
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Other mortgage products are available. Your broker will provide more information concerning other products during your application process.
2 Year Fixed Rate
The term fixed rate mortgage refers to a home loan that has a fixed interest rate for a set period of time at the beginning of the mortgage, in this instance the first two years. At the expiry of the fixed rate period, the reversion rate which is the lenders variable rate will be applied to the home loan. An Early Repayment Charge will be applicable during the fixed rate period.
5 Year Fixed Rate
The term fixed rate mortgage refers to a home loan that has a fixed interest rate for a set period of time at the beginning of the mortgage, in this instance the first five years. At the expiry of the fixed rate period, the reversion rate which is the lenders variable rate will be applied to the home loan. An Early Repayment Charge will be applicable during the fixed rate period.
Variable rate
The term variable rate mortgage refers to a home loan that has a variable rate from inception, for the life of the agreement.
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Indicative results

Loan Amount*
Total Repayable*

Breakdown

This is a sum of the loan amount, interest (£) and an exit fee of £95.

Monthly Repayments*

Breakdown

This is based on a borrowing over Years / Months.

Indicative Rate*

Breakdown

This indicative rate is based on our rate and our lending criteria for your LTV of %.

*Please note these results are indicative and are meant to be used as a guide only. Additional fees such as a broker fee and a lender fee may apply. These fees vary and will be set in line with each brokers pricing policy.
Should you wish to submit an application, it'll be subject to status, full lending criteria, a credit check and a review by a qualified mortgage adviser, which could result in a different product which has a different interest rate. Any changes are likely to alter both the monthly payment amount and the total amount payable. Results are based on a good credit profile.

Representative Example
Borrowing of £40,000, plus £595 lender fee, plus £3,000 broker fee, totalling £43,595, over 192 months on a 5-year fixed product with an initial borrowing rate of 9.2%, following a variable rate of 9.6%. There would be 60 monthly instalments of £434.49, following 132 monthly instalments of £442.52. Total amount payable £84,577.09, made up of: Mortgage Amount £40,000, Interest £40,887.09, Lender fee £595, Broker fee £3,000, Exit Fee £95. Overall cost for comparison purposes 11.4% APRC. Please be advised that any interest rate fluctuations, during the life of the mortgage contract, will affect the total amount repayable.

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