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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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Homeowner loans

You can borrow more with a Pepper Money homeowner loan.

​​A homeowner loan is a form of borrowing only available to mortgage holders and is secured against your property without affecting your current mortgage. ​

As the loan is secured, you can typically borrow more with a lower rate than a personal loan, depending on the equity you have in your property. This does mean that if you were unable to maintain your loan repayments, you may lose your property.

If you’re looking to raise a large amount of finance, a homeowner loan could be the best option for you.​​

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Why choose Pepper Money for a homeowner loan?

  • Borrow more: get a homeowner loan from £10,000 to £1,000,000
  • Expert advice: We work with trusted broker partners who can recommend a product for your circumstances
  • Products to suit your needs: we offer a range of fixed, discounted, and variable rate products. The rate we offer you will depend on your circumstances
  • Give yourself longer to repay: we offer repayment options between 3 to 30 years
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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  • Penalty free overpayments: we offer flexible overpayment options without penalty, which allow you to reduce the term of your loan, or reduce your monthly repayments - putting you in control
  • Unlock the equity in your home: you may be able to borrow up to 100% of the equity in your home
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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

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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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