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.
A fast, simple and secure Homeowner loan from Pepper Money
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 our specialist team of skilled, manual underwriters review each case on its own merits.
We appreciate that life changes can impact a customers circumstance in various ways. Our relationship with both our broker partners and customers helps us to identify and understand the pressures and issues some customers may face. It is important we continually work together to provide specialist support to help manage and where possible, overcome the causes of additional pressures and issues that impact wellbeing.
If your circumstances have changed and you are worried that you won’t be able to keep up with your mortgage or loan payments now or in the future please contact us on: 0333 014 3125 (lines are open 9am-6pm Monday to Friday)
We understand that in some cases it may be beneficial to gain professional support to help manage the challenges that our customers face. We have created a list of organisations providing specialist help, to make it easier for our customers to get the support they need. Please view the list below to access contact details and links for a range of professional support organisations.
Disability Equality Charity in England and Wales
Tel: 0808 800 3333
UK hearing loss charity and community
Tel: 0808 808 0123
UK Sight Loss Charity and Community
Tel: 0303 123 9999
Mental Health Charity in England and Wales
Tel: 0300 123 3393
Money advice on a wide range of subjects
Tel: 0800 138 7777
Free independent debt advice
Tel: 0808 808 4000
Debt Charity providing free independent advice
Tel: 0800 138 1111
UK financial capability charity
Tel: 0207 062 8933
Independent organisation providing advice on debt, benefits, employment and housing
Tel: 03454 040506
Charity aiding people in emotional distress
Tel: 116 123
UK bereavement charity and support network
Tel: 0808 808 1677
Charity supporting vulnerable young people
Tel: 0800 842842
If you have problems using a computer because of a disability or impairment then we recommend that you visit our accessibility page which provides lots of advice on how to make your computer easier to use.
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.
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.