Pepper Money
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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

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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 products are available exclusively through our broker partners. They 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.​

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.
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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.
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.
Find a broker
Loan calculator

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.

Contact us

More information

Loan calculator
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UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.

Pepper Money Limited t/a Pepper Money is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 811609 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.

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