Christmas Competition Terms and Conditions

The Competition will begin at 10:00am on 1st December 2022 and will end at 23.59 on the 19th December 2022 ( the “Competition Period”). The Competition is open to all UK residents, aged 18 and over. The Competition is not open to employees of Pepper Money Limited, Pepper Money (PMB) Limited or UK Mortgage Lending […]

Terms and Conditions

If your homeowner loan offer is dated on or after 1st April 2020, download your Terms and Conditions below. If your homeowner is dated before 1st April 2020, please refer to the General Mortgage Conditions or Loan Agreement provided to you with your offer, or contact us for details. Download Terms and Conditions

Tariff of Fees and Charges

If our fees or charges increase, we will send you an updated version of our Tariff in advance. Fees are due and immediately payable at the time the service, action, or event to which it relates occurs and (unless stated otherwise above). These fees and charges may be changed in the future in line with […]

Interest Rates

Lender Base Rate (LBR)  Second Charge Mortgages offered from 24 March 2021. Lender Base Rate (LBR) is currently: 5.20% Correct as of 1st September 2023 Changing the Interest rate You should read this together with the Second Charge Mortgage Offer sent to you prior to completion and our current General Mortgage Conditions which are available here. […]

Terms of Business

To download our Terms of Business please click the link below. Download Terms of Business


A fast, simple and secure Homeowner loan [wp_sitemap_page] Download our App Contact us LinkedIn YouTube Twitter More information How to make a complaint Modern Slavery Act Privacy Policy Terms and Conditions Tariff of Fees and Charges Securitisation History Accessibility Additional Support Interest Rates Think carefully before securing other debts against your home. Your home may […]


At Pepper Money, our main lending principle is to encourage and support financial inclusion for all. This is underpinned by our human approach to underwriting, enabling us to build a truer picture and reach a fairer outcome for customers. We pride ourselves on our ability to look beyond the numbers of a credit score, and […]


At Pepper Money, we strive to make our products and services accessible to all our customers. We are committed to increasing accessibility at every step of the mortgage process. If you require any of our documentation in a different medium or format, please contact us to request this. Here are some useful contact details for […]

Privacy Policy

We only use information that we collect about you for purposes of improving this Website and the service Pepper Money offers to its clients and we only share it within the Pepper Money Group (meaning Pepper Money Limited and Pepper Money (PMB) Limited), as further detailed below. Introduction Welcome to the Pepper Money privacy policy. […]

Modern Slavery Act​

At Pepper Money we recognise the responsibility that we have as a commercial organisation to prevent and combat modern slavery in our business and the supply chains we participate in. We aim to achieve this by operating in a manner that is ethical, transparent and fair and we have designed policies and procedures to drive […]