Pepper Money

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

Find A Broker

Helping you find the support you need for your homeowner loan needs.

Understanding if a homeowner loan is right for you requires expert advice. We partner with market-leading brokers who can help you with your application to help you consolidate your borrowing or make those planned renovations to your home.

We’ve included a list of some of our trusted broker partners below who can help you. Click on the website to speak to a broker that specialises in helping customers with homeowner loans.

Visit for a more extensive list of brokers.



Aro Mortgages

Believe Loans

Norton Finance and Mortgages

Ocean Finance

The Lending Channel

The Loan Partnership

The Loans Engine

The Personal Finance Centre

Willows Finance Limited


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. 

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!
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
Second Charge with Pepper.
Excellent service from Charlotte. Quick responses to emails had the whole thing finished in a couple of weeks. Highly recommended
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!
Very helpful and prompt to deal with
Very helpful and prompt to deal with
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!