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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.

Make your life simpler with a homeowner debt
consolidation loan

At Pepper Money, we offer homeowner loans that could help you consolidate your debts, making them easier to manage each month. We could offer you a homeowner loan of any amount from £15,000 to £1 million.

To get started, find out how much you could borrow by using our homeowner loan calculator below.

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Loan Calculator

Representative Example: Based on borrowing of £40,000, plus £1095 lender fee, totalling £41,095, over 200 months on a variable product with an initial borrowing rate of 4.8%. There would be 200 monthly instalments of £298.90. Total amount payable £59,875, made up of: Mortgage Amount £40,000, Interest £18,685, Lender fee £1095, Exit Fee £95. Overall cost for comparison purposes 5.3%. Please be advised that any interest rate fluctuations, during the life of the mortgage contract, will affect the total amount repayable.

Our Homeowner Loans have a minimum term of 36 months to a maximum repayment term of 360 months. Our rates are dependent on a customer’s individual circumstance and our Maximum APRC charged during the past 3 years is 16.1%.

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Homeowner loans

What is a homeowner loan?

Homeowner loans, also known as second charge mortgages or secured loans, are often taken out to re-organise personal finances and can allow customers to consolidate existing debt into easy-to-manage monthly payments.

All applications are considered and assessed individually but you should be aware that when consolidating existing credit this may result in you extending the repayment term of your debt and could increase the total amount you repay.

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How our Homeowner loans can help you

Our aim is to provide you with a homeowner loan that meets your individual and personal circumstances.

  • Borrow any amount from £15,000 to £1,000,000.
  • We offer competitive fixed, discounted and variable rate products. The rate we offer you will depend on your circumstances.
  • We can offer a repayment term of 3 to 30 years subject to credit checks.
  • Borrow up to 100% of property value.
  • We offer flexible overpayment options, without penalty, which allow you to either reduce the term of your second charge mortgage, or reduce your monthly repayments putting you in control.
  • Our fully qualified mortgage advisers based in the UK can help you find a suitable homeowner loan product.
It only takes a few minutes to see how much you could borrow with our Loan Calculator.
See if a homeowner loan could be right for you.
Try our 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.

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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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