Pepper Money

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.

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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 £15,000 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:

1

Get a quote

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

2

Apply online

Start your application on mobile, tablet, or browser.

3

Quick call

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

4

Application

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

5

Final approval

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

6

All done

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

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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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.

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 £15,000 and £1,000,000
15
Other mortgage products are available. Your broker 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.
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Indicative results

Loan Amount*
Total Repayable*

Breakdown

This is a sum of the loan amount, interest (£) 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 %.

*Please note these results are indicative and are meant to be used as a guide only. Additional fees such as a broker fee and a lender fee may apply. These fees vary and will be set in line with each brokers pricing policy.
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 £595 lender fee, plus £3,000 broker fee, totalling £43,595, over 192 months on a 5-year fixed product with an initial borrowing rate of 9.2%, following a variable rate of 9.6%. There would be 60 monthly instalments of £434.49, following 132 monthly instalments of £442.52. Total amount payable £84,577.09, made up of: Mortgage Amount £40,000, Interest £40,887.09, Lender fee £595, Broker fee £3,000, Exit Fee £95. Overall cost for comparison purposes 11.4% APRC. Please be advised that any interest rate fluctuations, during the life of the mortgage contract, will affect the total amount repayable.

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