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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Already a customer?

If you have a Homeowner loan with Pepper Money, here are the answers to some frequently asked questions. If you can’t find what you’re looking for below or would like to talk to us about your loan you can call us on 0333 014 3125. (lines are open 9 am-6 pm, Monday to Friday) or email us at customerservice@pepper.money where one of our friendly team will be able to help.

If you choose to email us, we will respond to your message within 5 working days. This will either be via a telephone call or a letter in the post. If your request is urgent please call us.

Money Worries

We understand the impact that inflation and the cost of living crisis could be having on you, if you’re worried about meeting your monthly payments now or in the future, we’re here to help, you can contact one of our friendly team on 0333 014 3125  (lines are open 9am-6pm, Monday to Friday)  

During the call, we’ll listen to your situation and work with you to try and find a suitable solution. 

We have also set up a dedicated space on our website full of resources to help those customers who need a little extra support, you can view that here. 

Complete a budget planner, download our Income and Expenditure form, this will show you what borrowing you’ve got, your fixed and variable costs and what money you’ve got left over each month to make towards repayment.

You could also check to see if you are eligible for any state benefits or tax credits or if you have an insurance policy that could help with meeting payments.

We understand this can be a stressful situation to be in and we’re here to help. Please contact one of our friendly team as soon as possible on 0333 014 3125 (lines are open 9am to 5.30pm Monday to Friday).

During the call we’ll listen to your situation and work with you to try and find a suitable solution, before calling you can complete our income and expenditure form.

This will show us what borrowing you’ve got, your fixed and variable costs and what money you’ve got left over each month to make towards re-payments and one of the team will go through it with you on the call.

We understand the impact that inflation and the cost of living crisis could be having on you, if you’re worried about meeting your mortgage payments now or in the future, we’re here to help. You can contact one of our friendly team on 0333 014 3125 (lines are open 9am-6pm Monday to Friday). During the call we’ll listen to your situation and work with you to try and find a suitable solution. We have also setup a dedicated space on our website full of resource to help those customers who need a little extra support, you can view that here.

A good starting point can also be getting on top of your finances, download and complete our Income and Expenditure form here. This will show you what borrowing you’ve got, your fixed rate and variable costs and what money you’ve got left over each month to make towards repayments.

You can get free, independent and impartial advice from these organisations: 

National Debt Line: 0808 808 4000 

Citizens Advice Bureau (CAB): 03444 111 444 (England) or 03444 77 20 20 (Wales) 

Step Change Debt Charity: 0800 138 1111 

MoneyHelper: 0800 138 7777 

Money Advice in Scotland: 0141 572 0237 

Civil Legal Advice: 0345 345 4345 

Shelter Housing Advice: 0808 800 444 

As your homeowner loan from Pepper Money is secured on your property, it’s important to let us know if you are thinking about moving home. For further information, please contact us on 0333 014 3125.

Repossession is always the last resort and we have a variety of options available to support you though difficult times. Repossession becomes an option if either we’re unable to agree an alternative solution or releasing you from the financial burden of mortgage payments is the preferred option. 

If repossession is unavoidable, we are committed to: 

  • sell the property for the best price we can obtain within a reasonable period of time 
  • give you reasonable time to remove your possessions from your home. 

Unfortunately, there are times where the sale of your home doesn’t cover the remaining mortgage. In that situation, you will still owe us the amount that is left over. 

We will contact you as soon as we can to tell you what this is and to work with you to arrange a payment plan. If this debt is not repaid it could affect whether you are able to get credit in the future.  

If we cannot arrange a suitable plan we may go to court to get our money back. 

Account Information

Please give our Customer Services team a call on 0333 014 3125tel:03333701102 (lines are open 9am-6pm, Monday to Friday) to request your balance. 

You can request a statement by: 

Giving our Customer Services team a call on 0333 014 3125 (lines are open 9am-6pm, Monday to Friday) 

Sending us an email to customerservice@pepper.money, stating your account number 

All statements will be sent to the correspondence address included on your account 

If you’re ready to pay off your balance in full, or you’re planning to remortgage with another lender, you’ll need a redemption statement. You can request a redemption statement by giving our Customer Services team a call on  0333 014 3125  (lines are open 9am-6pm, Monday to Friday) 

Sending us an email to  customerservice@pepper.money, stating your account number 

All statements will be sent to the correspondence address included on your account. 

At the end of your initial product term your rate will change to the reversion rate that was included in your offer. You’ll also no longer need to pay an Early Redemption Charge if you repay the balance after this time. 

We will let you know that you are coming to the end of the initial term by post. 

Account Updates

Please give our Customer Services team a call on  0333 014 3125 (lines are open 9am-6pm, Monday to Friday) to update your contact details. 

Please give our Customer Services team a call on  0333 014 3125 (lines are open 9am-6pm, Monday to Friday) to change your Direct Debit details. 

Please give our Customer Services team a call on  0333 014 3125 (lines are open 9am-6pm, Monday to Friday) to change your payment date. 

Yes, that is possible. Please give our Customer Services team a call on  0333 014 3125 (lines are open 9am-6pm, Monday to Friday) or send us an email to  customerservice@pepper.money. We’ll need to send you a form to complete and return – once we have registered your nominated person we will write to you to confirm it’s all set-up. 

Payments & Fees

To find out about our fees, download our  Tariff of Charges  here. 

Upon completion of your loan you were set up to make payments via direct debit. However, if you’re no longer making payments by direct debit and want to make an additional payment or pay a fee, there are a number of ways you can do so: 

To pay by debit card, give our Customer Services team a call on  0333 014 3125 Our agents are available Monday to Friday between 9am and 6pm, but you can pay through our automated system outside of these hours. 

By cheque – please make it payable to Pepper Money, including your account number on the reverse of the cheque and send it to: 

Pepper Money Customer Services 
Harman House 
1 George Street 
Uxbridge 
UB8 1QQ. 

To set up a direct debit, standing order or bank transfer give us a call on  0333 014 3125 to confirm the account details. 

You can make overpayments on your homeowner loan to reduce your balance and/or term. If you wish to repay your second charge mortgage in full, please contact our Customer Support team on  0333 014 3125  to request a redemption statement. This will include any early repayment charges that are applicable at that time. 

You can find details of your ERCs in your offer, or give our Customer Services team a call on  0333 014 3125  (lines are open 9am-6pm, Monday to Friday) if you want to find out if you’ll need to pay this charge.  

Looking to borrow more on your current Pepper Money homeowner loan? Start an application online and arrange a chat with one of our advisers.

General

It may be possible to borrow more depending on your situation. Please  apply online  or  arrange a call  to find out more about any further borrowing to your existing lending with Pepper Money. 

As your homeowner loan from Pepper Money is secured on your property, it’s important to let us know if you are thinking about moving home. For further information, please contact us on  0333 014 3125. 

Making a complaint

Details of how to make a complaint can be found on our  Complaints page. 

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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.
Looking to borrow more on your current Pepper Money homeowner loan? Start an application online and arrange a call with one of our advisers.