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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A fast, simple and secure Homeowner loan from Pepper Money

Whether you’re looking to the future, upgrading your home to dream status, reorganising your finances, or tying the knot in style; we’ve helped thousands of customers just like you, with over £1.8bn worth of homeowner loans since 2014

Get started in less than 5 minutes

Start your application online to see how much you could borrow without impacting your credit score.

We do this fast and effectively

We offer tailored rates, and mortgage advice to make sure we recommend what’s best for you.

Borrow up to 100% of the equity in your home

We could offer you a homeowner loan of any amount from £10,000 to £1 million.

A secured loan can be used for almost any purpose, including home improvements or debt consolidation

At Pepper Money, we could help you finance your next renovation project or consolidate existing debts with a Secured Loan that meets your individual and personal circumstances.

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

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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Who we are...

We’re Pepper Money. The UK’s leading homeowner loans provider on a mission to help people succeed. 

Whether you’re looking to the future, upgrading to your dream home, or tying the knot in style; we’ve helped customers with over £1.8bn worth of homeowner loans since 2015.

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What we do...

We help homeowners looking to borrow directly from a lender secure up to £1 million. 

We offer tailored, competitive rates to help mortgage holders looking to raise funds make the most of the equity in their existing property.

Step by Step Guides

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How we do it...

We make the application process simple. ​​

Start with an easy check on our homeowner loan calculator to see if you’re eligible. After that there are just six steps to follow:

Get a quote

Try our homeowner loan calculator to see if a Pepper Money loan is right for you.

Apply online

Start your application on mobile, tablet, or browser.

Quick call

One of our qualified mortgage advisers will call to talk you through your application.

Application

We’ll send you an application pack to check and sign.

Final approval

Once signed, subject to underwriting checks, we’ll give you a Binding Mortgage Offer.

All done

We’ll call you to set up a direct debit and release your homeowner loan funds.

Apply online today and get booked in with a fully qualified mortgage adviser, who can talk you through your options and give you their recommendation.

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Secured loans

What is a secured loan?

Secured loans, also known as second charge mortgages or homeowner 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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What others 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. 

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What others 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. 

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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!
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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
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Second Charge with Pepper.
Excellent service from Charlotte. Quick responses to emails had the whole thing finished in a couple of weeks. Highly recommended
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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!
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Very helpful and prompt to deal with
Very helpful and prompt to deal with
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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!
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We are proud of the service we deliver and our customers agree. We’re rated ‘Excellent’ on TrustPilot.

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We are proud of the service we deliver and our customers agree. We’re rated ‘Excellent’ on TrustPilot.
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.

Calculators

How much could I borrow...

Find out what your repayments might look like each month and how much you could end up paying with our homeowner loan calculator.

Retail Calculator | Pepper Money
Sorry we are unable to help, we currently only offer products for homeowners.
Minimum existing mortgage balance of £5,000
Borrow amount is larger than the propery's value (less the existing mortgage)
Please select a value between £10,000 and £1,000,000
15
Other mortgage products are available. Our mortgage advisers will provide more information concerning other products during your application process.
2 Year Fixed Rate
The term fixed rate mortgage refers to a home loan that has a fixed interest rate for a set period of time at the beginning of the mortgage, in this instance the first two years. At the expiry of the fixed rate period, the reversion rate which is the lenders variable rate will be applied to the home loan. An Early Repayment Charge will be applicable during the fixed rate period.
5 Year Fixed Rate
The term fixed rate mortgage refers to a home loan that has a fixed interest rate for a set period of time at the beginning of the mortgage, in this instance the first five years. At the expiry of the fixed rate period, the reversion rate which is the lenders variable rate will be applied to the home loan. An Early Repayment Charge will be applicable during the fixed rate period.
Variable rate
The term variable rate mortgage refers to a home loan that has a variable rate from inception, for the life of the agreement.
* Required
Indicative results

Loan Amount*
Total Repayable*

Breakdown

This is a sum of the loan amount, interest (£), a lender fee of £ and an exit fee of £95.

Monthly Repayments*

Breakdown

This is based on a borrowing over Years / Months.

Indicative Rate*

Breakdown

This indicative rate is based on our rate and our lending criteria for your LTV of %.

Lender Fee*

Breakdown

A lender fee of £ is included in your total repayable figure.

*Please note these results are indicative and are meant to be used as a guide only.
Should you wish to submit an application, it'll be subject to status, full lending criteria, a credit check and a review by a qualified mortgage adviser, which could result in a different product which has a different interest rate. Any changes are likely to alter both the monthly payment amount and the total amount payable. Results are based on a good credit profile.

Representative Example
Borrowing of £40,000, plus £1,095 lender fee, totalling £41,095, over 200 months on a variable product with an initial borrowing rate of 7.3%. There would be 200 monthly instalments of £377.77. Total amount payable £71,249, made up of: Mortgage Amount £40,000, Interest £30,059, Lender fee £1,095, Exit Fee £95. Overall cost for comparison purposes 8.0% APRC. Please be advised that any interest rate fluctuations, during the life of the mortgage contract, will affect the total amount repayable.


*Pepper Money would like to contact you to discuss your secured loan requirements. By selecting “yes” you are agreeing for one of our team to contact you using the information you provide and you are confirming that you have read and understood the "How we use your personal data" page. Mortgages are provided by UK Mortgage Lending Limited, trading as Pepper Money, who are a member of the same group as Pepper Money Limited.

Phone number cannot begin with 03 or 08

Apply online now...

Complete our quick application to get one step closer to the funds you need! Tell us about yourself, your borrowing needs, and your property to get started.

Please ensure all required fields in the calculator are completed with valid input

Schedule a call...

Want a call with one of our advisers about your homeowner loan application? Just fill out some basic details and choose a time that works best for you.

Please ensure all required fields in the calculator are completed with valid input

Get a callback...

Want us to ring you instead? Get a callback from one of our qualified mortgage advisers if you are not sure about applying online or scheduling a call.

Please ensure all required fields in the calculator are completed with valid input

Thank you...

We have received your request for us to contact you, however, why not apply online? it only takes a few minutes to get a quote. See if a homeowner loan could be right for you.

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