Pepper Home Loans

Pepper is a market leading third-party loan servicer and asset manager that started up in Australia in 2001.

We now provide financial assets and loan servicing platforms in Ireland, the United Kingdom, Italy, Spain and other select European jurisdictions. With our strong track record in Australia, we have proven our worth as a top home loan lender in the UK.

Wide range of services

Our range of services includes residential home loans, commercial loans, asset finance and consumer finance. With speciality services and the highest level of professionalism, you are sure to enjoy the services of a reputable home loan lender.

Proudly serving the UK since 2012

Since 2012, and the opening of our European office in London, we are now one of the leading specialist loan servicing companies in the UK. Providing tailored services to investor and banking clients is what we aim to do with the highest level of quality service and professionalism.

Award winning home loan lender

What’s more is that we are an award-winning lender of residential and buy to let mortgages.

Why choose Pepper as a home loan provider?

Have you had difficulty when applying for a loan with a high street bank or other traditional lender? We cater for those who are self employed, those with credit faults, complex income structures, young credit history, or previous financial difficulties.

Let us help you make your dream home a reality. Our flexible lending approach enables us to assist a greater number people get the home loan financing they require.

We offer home loans to UK residence and we cater for those with a less than perfect credit score, individuals who are self employed and a number of other unique financial situations.

If you have been having difficulty getting approved for a home loan from a traditional lender, credit union or bank, you will be relieved to know that we want to help you regardless of your current financial status.

Home loans with value

Customers are able to apply for a minimum loan amount of £25,001 and a maximum of £1 million over a loan term of five to 35 years.

Quick overview of our home loans

• Residential rates from 2.28%
• No credit scoring
• Buy to Let rates from 3.13%
• Self employed - minimum 1 year's trading
• Residential loans up to 85% LTVBuy to Let loans up to 80% LTV
• No maximum value for CCJs / Defaults
• Free legal services on all remortgages
• Loans up to £1 million
• Maximum age 75 at end of term and 85 for Buy to Let

Benefits of Pepper

• We look at all financial cases
• No credit scoring for property finance with us
• Direct access to a professional underwriting team
• Flexible product range
• An easy-to-understand approach to underwriting
• Strong UK mortgage knowledge backed by a global organisation
• Apply via telephone or set up a branch meeting