Brilliant Solutions

Pepper Money Update

Here is the latest update from Pepper Money.  You can access Pepper Money products through our direct to lender mortgage club and get the benefits of payment on completion. You can also use our Fees Free Mortgage Packager

We’ve expanded our Affordable Housing range…
Making mortgages more accessible for hopeful homeowners!

At Pepper Money, we’re delighted to offer specialist lending products to help clear a path for hopeful homeowners with our Affordable Home Ownership scheme.

Our Shared Ownership scheme is available on Pepper 36 and 24 product tiers, up to 95% LSV. Helping your customers get on the property ladder by purchasing a share of a property and renting the remaining share from the local Housing Association

Our Help to Buy scheme is available on Pepper 48, 36, and 24 product tiers, supporting first-time buyers with a less than perfect credit profile to purchase their property with a 5% minimum deposit.

With our human approach to underwriting, and best-in-class Regional Development Managers, we’re continuing our mission to help more people succeed.

Here’s why your customers could benefit from our Affordable Home Ownership:
Help to Buy for first-time buyers…

Your customers with a minimum 5% deposit can access a maximum 40% Help to Buy Loan in London and maximum of 20% Help to Buy Loan in the rest of England & Wales.

What’s more, one year’s self-employed trading accepted. Also, the latest year is used for affordability when trading for two years or more.

Shared Ownership with Pepper

Your customers can access new build properties where they can partially own a share and rent the remaining share. Plus, we accept variable income such as overtime, commission, and bonuses, accepted for affordability. 

Furthermore, employed and self-employed income from a maximum of two sources per application is considered. Plus, fully gifted deposits will be an acceptable deposit source.

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