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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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Support

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.

Information correct at: October 3, 2023 6:09 am

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.

Capability
Life Events
Resilience
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Health

Such as conditions or illnesses that may impact day to day tasks​

Physical Disability

Severe or Long-term Illness

Hearing or Visual Impairments

Mental Health

Contact information

Scope

Disability Equality Charity in England and Wales     

Email: https://www.scope.org.uk/advice-and-support/

Tel: 0808 800 3333

Royal National Institute for Deaf People

UK hearing loss charity and community

Website: https://rnid.org.uk/

Tel: 0808 808 0123

Royal National Institute for Blind People

UK Sight Loss Charity and Community

Website: https://www.rnib.org.uk/supportingyou

Tel: 0303 123 9999

Mind

Mental Health Charity in England and Wales

Website: https://www.mind.org.uk/information-support/

Tel: 0300 123 3393

Health
Capability
Life Events
Resilience
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Capability

Such as lower knowledge or confidence in financial matters, or relevant areas such as literary or digital skills

Financial matters

Literacy and Numeracy

English Language Skills

Digital Skills

Learning Impairments

Contact information

Money Helper (formally Money Advice Service)​

Money advice on a wide range of subjects

Website:

 https://www.moneyhelper.org.uk/      

Tel: 0800 138 7777

National Debt Line​

Free independent debt advice

Website: https://nationaldebtline.org/   

Tel: 0808 808 4000

Step Change​

Debt Charity providing free independent advice

Website: https://www.stepchange.org/

Tel: 0800 138 1111

The Money Charity​

UK financial capability charity

Website:

 https://themoneycharity.org.uk/

Tel: 0207 062 8933

Citizens Advice

Independent organisation providing advice on debt, benefits, employment and housing

Website: 

https://www.citizensadvice.org.uk/

Tel: 03454 040506

Health
Capability
Life Events
Resilience
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Life Events

Such as conditions or illnesses that may impact day to day tasks

Retirement

Caring Responsibilities

Bereavement

Income shock

Care Leavers and Former Inmates

Contact information

Citizens Advice

Independent organisation providing advice on debt, benefits, employment and housing

Website: 

https://www.citizensadvice.org.uk/

Tel: 03454 040506

Civil Legal Advice

Charity aiding people in emotional distress

Website: https://www.samaritans.org/

Tel: 116 123

Cruse

UK bereavement charity and support network

Website: https://www.cruse.org.uk/

Tel: 0808 808 1677

Princes Trust

Charity supporting vulnerable young people

Website: https://www.princes-trust.org.uk/  

Tel: 0800 842842

Money Helper (formally Money Advice Service)​

Money advice on a wide range of subjects

Website:

 https://www.moneyhelper.org.uk/      

Tel: 0800 138 7777

Health
Capability
Life Events
Resilience
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Resilience

Such as lower knowledge or confidence in financial matters, or relevant areas such as literary or digital skills

Low income

Debt

Insolvency

Bankruptcy

Financial advice

Contact information

Citizens Advice

Independent organisation providing advice on debt, benefits, employment and housing

Website:

 https://www.citizensadvice.org.uk/

Tel: 03454 040506

Civil Legal Advice

Charity aiding people in emotional distress

Website: https://www.samaritans.org/

Tel: 116 123

Cruse

UK bereavement charity and support network

Website: https://www.cruse.org.uk/

Tel: 0808 808 1677

Princes Trust

Charity supporting vulnerable young people

Website: https://www.princes-trust.org.uk/  

Tel: 0800 842842

Money Helper (formally Money Advice Service)​

Money advice on a wide range of subjects

Website: 

https://www.moneyhelper.org.uk/      

Tel: 0800 138 7777

Do you have Accessibility needs?​

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.

Accessibility Page

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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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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