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Pepper Money loans compared

UK specialist lender for borrowers whose income or credit profile doesn't fit the high street — manual underwriting, tiered products, real-world flexibility.

About Pepper Money

Pepper Money is the UK lending arm of Pepper Global, an Australian-headquartered specialist financial services group. In the UK, Pepper has built a reputation as a specialist lender for self-employed borrowers, contractors, and applicants with recent credit events.

Their products are organised in tiers based on credit profile — from near-prime through to applicants with multiple recent CCJs or defaults. Each tier has its own pricing and LTV criteria, with manual underwriting throughout.

What Pepper Money specialises in

Self-employed mortgages

Flexible income evidence — 1 year accounts, retained profit and accountant references all considered.

Second-charge mortgages

Secured loans behind your existing first mortgage, prime to heavy adverse credit.

Adverse credit lending

Tiered products for recent CCJs, defaults, missed mortgage payments and DMPs.

Buy-to-let mortgages

Specialist BTL for portfolio landlords, limited companies and unusual property types.

When Pepper Money is a good match

  • You're self-employed with 1–2 years' trading and complex income
  • You have recent credit events a high-street lender won't consider
  • You need a second-charge mortgage on competitive specialist terms
  • You're a portfolio landlord needing a lender that prices BTL properly
  • You want manual underwriting rather than algorithmic pricing

Frequently asked questions

Who is Pepper Money?
Pepper Money is a UK specialist lender focused on borrowers whose circumstances don't fit standard high-street criteria. They lend across first-charge mortgages, second-charge mortgages and personal loans, with particular strength in self-employed and recent credit-event cases.
What does Pepper Money lend?
Pepper's main UK product lines are residential first-charge mortgages, second-charge mortgages (secured loans), buy-to-let mortgages and unsecured personal loans. Their proposition focuses on flexible underwriting for income and credit profiles that mainstream lenders decline.
Will Pepper Money lend to self-employed borrowers?
Yes — this is one of their core specialisms. Pepper accepts a range of income evidence (1 year accounts, latest year SA302s, accountant references, retained profit) and assesses self-employed cases manually rather than through automated income calculators.
Will Pepper Money lend with adverse credit?
Often, yes. Pepper's product tiers cover near-prime through to applicants with multiple recent credit events. Each tier has its own pricing and LTV cap. Recent CCJs, defaults and missed payments are considered case-by-case.
What loan sizes does Pepper Money offer?
Second-charge loans typically £10,000 to £500,000+. First-charge mortgages typically up to £1m+ depending on product. LTVs vary by tier — usually higher for cleaner credit, lower for adverse cases.
Is Pepper Money FCA regulated?
Yes. Pepper Money's UK regulated lending activities (residential mortgages, second charges and personal loans) are authorised by the Financial Conduct Authority.
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Important: This page is for information only and does not constitute financial advice or an endorsement. Pepper Money is one of several specialist lenders on our panel — we match each enquiry to the most suitable lender for the case. Secured borrowing puts your home at risk if you don't keep up repayments. CleverCompare is an introducer appointed representative of Charles Frank Finance Limited, which is authorised and regulated by the Financial Conduct Authority.