Pepper loans designed for people with some credit issues

Pepper Bad Credit Secured Loans UK
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Home reversion plans
Lifetime mortgage cash release
Home reversion scheme

Getting help when you need a refinance

It often found encounter individuals looking for awful credit remortgage loans, remortgages with poor credit or remortgages for low credit; however, lenders like First Direct are keen to see evidence of income in the form of DWP letters, sa302 documents or pay stubs.

Evidence of income:

Lenders such as United Trust Bank, Shawbrook or Norton Finance often accept paperwork to show income with

  • pension statements
  • wage slips
  • accountants certificate

Examples of bad credit

Loan companies such as Equi finance, Together or Clearly Loans can often lend to people with

  • ccj records
  • late payments
  • county court judgements
  • credit card arrears

Opportunity for second-charge loans

It’s common to find it cheaper to get a second-charge loan than a remortgage.

Opportunity for bad credit home loans:

Time to pay back mortgage with MBS Lending

  • Six years
  • Three years
  • 28 years

Mortgage Fees

  • broker fee
  • booking fee
  • valuation fees

Finding help when it is necessary for a 2nd charge secured loan

  • broker
  • financial consultant
  • ifa

Does Pepper Loans offer Secured Loans?

Yes, Pepper Loans does secured loans at 4.7% APR.

Do Pepper Loans Do Equity Release Under 55?

Yes, Pepper Loans Equity Release Under 55 is 4.7% APRC.

Does Pepper Loans offer Secured Homeowner Loans?

Yes, Pepper Loans Secured Homeowner Loans are 4.7% APR.

Do Pepper Loans do Homeowner Loans?

Yes, Pepper Loans Homeowner Loans are 4.7% APRC.

Do Pepper Loans do Secured Homeowner Loans?

Yes, Pepper Loans Secured Homeowner Loans are 4.7% MER.

Do Pepper Loans Do Homeowner Loans for Bad Credit?

Yes, Pepper Loans Homeowner Loans for Bad Credit are 4.7% MER.

Do Pepper Loans do Direct Lender Secured Loans?

Yes, Pepper Loans Direct Lender Secured Loans are 4.7% APRC.

Do Pepper Loans Do Home Equity Lines Of Credit?

Yes, Pepper Loans Home Equity Lines Of Credit are 4.7% MER.

Do Pepper Loans do Debt Consolidation Loans?

Yes, Pepper Loans Debt Consolidation Loans are 4.7% APRC.

Do Pepper Loans do Home Equity Loans?

Yes, Pepper Loans Home Equity Loans are 4.7% MER.

Do Pepper Loans do Personal Loans?

Yes, Pepper Loans Personal Loans are 4.7% APR.

Do Pepper Loans do Unsecured Loans?

Yes, Pepper Loans Unsecured Loans are 4.7% MER.

Debt Consolidation Loans UK Bad Credit

Do Pepper Loans Do Loan To Consolidate Existing Borrowing?

Yes, Pepper Loans Loans To Consolidating Existing Borrowing are 4.7% APR.

Do Pepper Loans offer loans for those with a poor credit history?

Yes, Pepper Loans Loans For Poor Credit History are 4.7% MER.

Mortgage For Over 65

Poor Credit Consolidation Loan

Do Pepper Loans offer homeowner loans to consolidate existing debts?

Yes, Pepper Loans Homeowner loans to consolidate existing debts are 4.7% APR.

Do Pepper Loans offer secure loans with no broker fees?

Yes, Pepper Loans Secured loans with no broker fees are 4.7% APRC.

Do Pepper Loans offer homeowner loans with no early repayment charge?

Yes, Pepper Loans Homeowner loans with no early repayment charge are 4.7% APR.

Do Pepper Loans offer Loans without an arrangement fee?

Yes, Pepper Loans Loans without an arrangement fee are 4.7% APR.

It is often found to encounter people seeking out adverse mortgage lenders, a mortgage with poor credit rating or adverse credit mortgage lenders; however, loan companies like Secure Trust Bank are keen to see evidence of income in the form of sa302 documents, state benefit letters or sa302 documents.

Co-operative Bank Secured Loan
Halifax Secured Loan
Barclays Bank Secured Loan
Lloyds Bank Secured Loan
Santander Secured Loan
Metrobank Secured Loan
NatWest Bank Secured Loan
No Broker Fees Secured Loans
HSBC Bank Bridging Loans

Loan to Value

It’s often found to encounter individuals searching for a loan to value 70%, 85% or even as much as 95%. However, it’s hard to get 95%.

Finding help when it is necessary for re-mortgage

It is usual to encounter people searching for specialist remortgage brokers, bad credit remortgage lenders, or poor credit remortgage lenders. However, home loan lenders like BM Solutions are keen to see evidence of monthly income through wage slips, payslips, or pay stubs.

Costs for 2nd mortgages

  • solicitors fees
  • early repayment charge
  • completion fee

Types of mortgages lenders offer for Semi Commercial Property, including for subprime credit.

  • Flexible mortgages Paragon NonPortfolio
  • Tracker mortgages Pepper Money
  • Buy to let mortgages Expat Packager

The mortgage lender will want to know if the property is a Freehold terraced or Leasehold house and if the occupier is an Assured shorthold tenancy tenant.

0333 370 5555

Harman House, 1 George St, Uxbridge UB8 1QQ

Copyright 2025 Pepper Money Limited. All rights reserved. Pepper Money is a trading name of Pepper Money Limited, a private limited company registered in England and Wales under Company Number 11279253, with its registered office at Harman House, 1 George Street, Uxbridge, London UB8 1QQ.

Does Pepper Money offer Secured Loans?

Yes, Pepper Money does secured loans at 4.7% APRC.

Does Pepper Money offer Equity Release Under 55?

Yes, Pepper Money Equity Release Under 55 is 4.7% APRC.

Does Pepper Money offer Secured Homeowner Loans?

Yes, Pepper Money Secured Homeowner Loans are 4.7% APR.

Does Pepper Money do Homeowner Loans?

Yes, Pepper Money Homeowner Loans are 4.7% MER.

Do Pepper Money do Secured Homeowner Loans?

Yes, Pepper Money Secured Homeowner Loans are 4.7% MER.

Does Pepper Money offer homeowner loans for bad credit?

Yes, Pepper Money Homeowner Loans for Bad Credit are 4.7% APR.

Do Pepper Money do Direct Lender Secured Loans?

Yes, Pepper Money Direct Lender Secured Loans are 4.7% APR.

Do Pepper Money do Home Equity Lines Of Credit?

Yes, Pepper Money Home Equity Lines Of Credit are 4.7% APR.

Does Pepper Money do Debt Consolidation Loans?

Yes, Pepper Money Debt Consolidation Loans are 4.7% APR.

Do Pepper Money do Home Equity Loans?

Yes, Pepper Money Home Equity Loans are 4.7% APR.

Do Pepper Money do Personal Loans?

Yes, Pepper Money Personal Loans are 4.7% APR.

Do Pepper Money do Unsecured Loans?

Yes, Pepper Money Unsecured Loans are 4.7% MER.

Does Pepper Money Do Loans To Consolidate Existing Borrowing?

Yes, Pepper Money Loans To Consolidating Existing Borrowing are 4.7% APRC.

Does Pepper Money Do Loans For Poor Credit History?

Yes, Pepper Money Loans For Poor Credit History are 4.7% APRC.

Does Pepper Money offer homeowner loans to consolidate existing debts?

Yes, Pepper Money Homeowner loans to consolidate existing debts are 4.7% APR.

Does Pepper Money offer secured loans with no broker fees?

Yes, Pepper Money Secured loans with no broker fees are 4.7% MER.

Does Pepper Money offer homeowner loans with no early repayment charge?

Yes, Pepper Money Homeowner loans with no early repayment charge are 4.7% MER.

Does Pepper Money offer Loans without an arrangement fee?

Yes, Pepper Money Loans without an arrangement fee are 4.7% MER.

https://www.youtube.com/channel/UCmjbjUC6TWF_TbwuzJ6utOQ

Pepper Money Limited is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 811609.

Our VAT registration number is GB 175 3059 04.


Secured Loan – Bad Credit

How much can I get?

You can borrow 60% of your home’s valuation. As an example, if your home is worth £350000 you can borrow £210000.