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

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About us

​​We’re Pepper Money, the leading homeowner loan provider in the UK helping our customers in England, Wales, and Scotland.

Our mission to help people succeed, and we’re here to support our customers to fund their next big idea or plan. Whether they’re renovating their dream home, restructuring their finances, tying the knot, or giving their children a head start through private education. We’ve helped thousands of customers just like you, having already advanced over £1.8bn of loans since 2014.

Our team of fully qualified mortgage advisers will recommend the most suitable option for your circumstances.

We pride ourselves on being a responsible lender, so if one of our advisers believes a homeowner loan is not right for you – they’ll let you know so you can organise your finances in the best way possible. As well as responsible lending, we’re working towards operating an environmentally positive business, one that uses our lending expertise to provide solutions that improve societal and environmental outcomes for our colleagues, customers, and the planet.

We’re part of the global Pepper Group, with over 1,000 employees worldwide. Across the UK, we have 400 colleagues and counting – with offices in London, Cardiff, and Manchester. 

See what our customers say about their experience with our team on Trustpilot.

It only takes a few minutes to apply online and get a quote. See if a homeowner loan could be right for you.
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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.
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What can you use a homeowner loan for?

Your Home...
Home improvements including extensions and renovations.​
Your Borrowing...
Consolidate your personal loans, credit cards and overdrafts into one manageable payment.
Special Occasions...
Organise your dream wedding and book that once-in-a-lifetime honeymoon.
Your Family...
Create space in your home for your growing family or give your children a headstart with private education.
Your Business...
Kick-off those bold expansion plans or take the pressure off by clearing your tax bills.
Apply online today and get booked in with a fully qualified mortgage adviser who can talk you through your options and give you their recommendation.