Interview with Caroline Mirakian, Head of National Accounts at Pepper Money.

Pepper Money are a multi-award-winning specialist lender offering Residential and Buy to Let mortgages exclusively through intermediaries. 

Pepper Money believe in challenging the accepted. 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. So, if you’ve got a client who’s recently self-employed, has credit blips, a complex income, young credit history or previous financial difficulties, speak to Pepper Money. 

Why Pepper Money:

  • No credit scoring
  • No debt-to-income ratio’s
  • Debt consolidation up to 85% and we remove debts from the affordability assessment
  • Family and Landlord Concessionary Purchases with no deposit required
  • 1 year self-employed or latest year for affordability
  • Share of Net profits and Salary for 50%< Shareholders

At Pepper Money we work really hard to offer 5* service on all our cases and this is backed up by over 1000 Trust Pilot Reviews grading us as 'Excellent'.

Flexible Underwriting - if you've got a case you think is solid but doesn't quite meet criteria lets have a chat about it, I might well ask you to DIP it so the referrals team can look it over but our underwriters can take a view on certain things so let’s have that conversation.

Quick Referral Responses - a 'Refer' decision at DIP stage isn't a bad thing, it just means the system has recognised something on the case that needs to be manually checked - you can usually expect a response in 3-4 working hours.

Dedicated Case Managers - at point of FMA you are allocated a case manager who will work with you to get your case to offer. They will ring you when the case comes in to talk it through and you can call them, directly, at any time during the process if you want to discuss it.

24-hour turnaround - each stage in our process is around 24 hours so you won't be waiting days on end for us to assess documents.

Enhanced Free Legals offering - no point us getting you to offer nice and smoothly only for it to fall down when it gets to the solicitors - our relaunched free legals offering means solicitors have to sign up to our strict service levels to make sure the process is as smooth after offer as it is before.

To discuss Pepper Money call our sales team on 01403 272625 or email us at sales.team@impactsf.co.uk