Pepper Flex launches to give brokers seamless access to more competitive mortgage options – with no extra steps

Pepper Money has launched its new Pepper Flex proposition, enabling brokers to access competitive mortgage options seamlessly—with no additional work required.

Available across both residential purchase and remortgage products, Pepper Flex has been developed in response to growing customer demand for more inclusive mortgage solutions. The proposition ensures that borrowers receive Pepper’s most competitive mortgage rates, without requiring brokers to remember new product codes, tiers, or processes.

Greater Flexibility for Borrowers

Pepper Flex allows for a broader range of customer circumstances to be accepted, including:

• Customers who have recently started a new job or are currently in their probationary period
• Customers who are married but applying on a sole basis
• Those who have missed a payment on a fixed-term unsecured credit agreement within the last six months
• Customers who have taken out a payday loan within the last 12 months

This launch comes as Pepper Money continues to strengthen its focus on serving creditworthy customers who may not meet the rigid lending criteria of high street banks.

Streamlined Process for Brokers

Unlike traditional offerings, Pepper Flex does not introduce new product tiers or codes. Instead, it integrates directly into Pepper’s existing systems, meaning brokers don’t need to make changes to their application process. Customers receive the best available rate, with just an adjustment to the completion fee to reflect the added flexibility.

“Pepper Flex means that we can say yes to more customers,” said Paul Adams, Sales Director at Pepper Money.
“Whether they’ve missed a recent credit payment, changed jobs, used a payday loan in the last year, or are married but applying solo, we’ve made it easier for brokers to secure our most competitive rates—without added paperwork or product complexity.

We simply adjust the completion fee to fairly reflect the additional flexibility provided.

Meeting the Needs of Today’s Borrowers

As the mortgage market evolves, borrower expectations continue to shift—especially among those with more complex personal or financial histories. Pepper Money remains committed to helping more people achieve homeownership, particularly those who may not fit the conventional lending profile.

With inclusive lending criteria and a broad range of products, Pepper aims to support brokers in helping customers reach their financial goals both now and into the future.

“This latest enhancement to our proposition is a direct response to what customers and brokers have told us they need,” Adams added.
“By removing barriers and maintaining our commitment to exceptional service, we’re proud to help even more people take their next step on the property ladder.”

For more information on Pepper Money’s product range, please visit www.pepper.money.