Home » Partners
Less than usual is business as usual
People in our industry talk about ‘specialist lending’. And sure, technically that’s what we do, but ‘specialist’ isn’t how we see ourselves. Ditch the industry chat and our business is simple
— it’s just lending for real life.
And real life isn’t all nine to five. There are self-employed people out there, folks who make a living as landlords, people who have maybe been through some tough times, or who have the odd gremlin on their credit report. You know, real people. Which brings us back to what we do.
Pepper Money believe in challenging the accepted. They take a more human approach to underwriting, to build a truer picture and reach a fairer outcome for your customers.
They pride themselves on their ability to look beyond the numbers on a credit score and their specialist team of skilled, mandated underwriters review each case on its own merits.
Their ever-improving range of tools such as Residential & Buy to Let affordability calculators provide a guide of the maximum amount your customer may be able to borrow. Plus, you can identify the right product and documents required for your customer in seconds with their Product Finder and Document Finder.
With broad criteria, competitive pricing and a positive lending attitude, they help you to help more of your customers. From first time buyers and the recently self-employed to those with adverse credit or complex incomes.
Why choose The Mortgage Lender ?
We’re all about the square pegs and the sore thumbs.
And that’s why we lend to:
- The self-employed - if they’re working for themselves, we’re working for them. We take applications after one year’s trading, and certified accounts, SA302s or tax calculations with corresponding overviews as proof of income.
- Buy-to-letters, because we love go-getters! We take applications from individuals, limited companies, portfolio, corporate and private landlords — and expats.
- People whose incomes are more complex than a standard salary. It’s only sums, after all — we just add up income from all acceptable sources, including shift and contract working, additional jobs, benefits and maintenance payments.
- People with less-than-perfect credit history. Because we can recognise a blip for what it is. So where a computer would automatically say no, we can look at the whole picture.
Never mind the orthodox
- Mainstream just isn’t us.
- We don’t use credit score cascading or faceless, inflexible processes.
- Yawn. Our understanding underwriters would rather work with you to come up with real answers to real issues.
- And that’s why we call it lending for real life.
FOUR PILLARS OF LENDING
Important Resources
Contact Details
GET IN TOUCH