Rating based on 42 reviews

Pepper Home Loans


  • A variety of servicing options
  • Flexible features
  • Reliable loan providers

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Pepper Home Loans homepage

Author Pepper Home Loans. Screenshot of Pepper Home Loans website. [Accessed September 5, 2019]

About Pepper Home Loans

You need affordable and tailor-made home loans in the UK and we have the resources and expertise to make them happen.

We specialise in advisory, lending and asset servicing in both commercial and residential sectors. We are an award-winning originator of buy to let and residential mortgages.

Why you should choose us

Because, unlike our competitors, we do not include credit score in our criteria, you will receive the deal you expect, as long as you provide accurate information to us, so as to save you time, money and inconvenience. This means you are eligible for a loan even with bad credit.

Flexible and high-quality mortgages

All our mortgages include free standard legal fees and a solicitor from an acclaimed firm. Our residential mortgage products can start at a rate of 2.17%, and our Debt Management Plans (DMPs) start as low as 3.48%. Clients who have not had a CCJ or default for 36 or 48 months can receive a Zero Completion Fee Limited Edition plan for a rate as low as 2.88%.

Pepper Home Loans Services

Our exemplary deals on home loans in the UK are a product of our refusal to settle for anything but the best product for your home financing needs.

As a third-party servicer, we work with brokers in order to simplify the complexity often attached to home finance, and emphasize a client-based approach that values long-term relationships.

Pepper Money and our customers

In addition to providing the best possible solution to your problems, we will, as required by the FCA, also publish on a 6-monthly basis all the reportable complaints we have received, with the appropriate context and number of accounts serviced, and publish it on our website.

Protection of your hard-earned money

We are working closely with UK Finance and Which? to make our tariff of charges more user-friendly, and our tariff excludes any fees and charges that most of our competitors would levy. If you want to send us your financial assessment, please download from our website, fill in and mail us your income and expenditure form.

Pepper Home Loans Product Details

  • Loan Type Home loans

Summary of Services

  • Superior credit performance
  • Priority technology
  • Excellent customer service

Our promise of transparency, quality and flexibility

When it comes to your dreams of home-ownership, we approach every aspect of quick loans with the utmost professionalism and respect.

Be sure to read about all our amazing offers on our residential, buy to let and DMP products, or to check out our tariff of charges, and to read our fair processing notice about how we use your information, on our website. No matter what the product, your application fee will only be £135.

Benefits peculiar to either residential or buy to let

We will be willing to provide you with a residential mortgage, or from buy to let's standard range, if you have a default and/or CCJ if you were registered during the previous six months, but in both residential and buy to let you must have no arrears within six months if you want a fixed term credit agreement. All our buy to let products offer the maximum loan-to-let. Our entire range offers an interest-only option, which provides for up to 60% loan-to-value for residential and up to 80% for buy to let. Your term must end at the age of 85 for buy to let.

General perks of your home loans in the UK

If you are self-employed, you will still have full access to our range, and you only need to provide us with one year's finalised accounts. Day rate contractors just need to provide a minimum of twelve months' financial history and three months of bank statements and must produce a current or average daily rate of at least £200 daily.

No loan-to-value restrictions will apply

We will factor in your shift allowance, overtime and bonus every month or week, and we accommodate your non-court ordered maintenance as well as many regular government benefits. We also calculate your five-year fixed-rate at pay rate. You must have a minimum earned an income of £18,000, but this includes both applicants, and all your secondary income will also be included. For all these reasons, choose Pepper Money to secure your home loans in the UK.

Customer Reviews & Testimonials

July 2019

Their mortgage offer is very flexible and it made it easy for me

Randy L
— Bath —

March 2019

Their advisory helped me decide on how I was gonna tackle my home loan

Garry H
— Cardiff —

July 2019

I was impressed with how much benefits they offered

Kevin L
— London —

Pepper Home Loans Contact Details

Contact Number


  • not available


Physical Address

  • Harman House, 1 George St Uxbridge England UB8 1QQ United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed