{"id":120904,"date":"2018-07-18T16:21:58","date_gmt":"2018-07-18T15:21:58","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=120904"},"modified":"2026-02-19T03:56:33","modified_gmt":"2026-02-19T03:56:33","slug":"pepper-money","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/pepper-money","title":{"rendered":"Pepper Money (formerly Optimum Credit) secured loans"},"content":{"rendered":"<style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n.uk-hero-rates .text-xxx-large { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n<\/style>\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\" aria-label=\"Learn more about what Promoted means on Finder\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\">\r\n<use xlink:href=\"#info-circle\"><\/use>\r\n<\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/secured-loan-finder-powered-by-loans-warehouse-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%225e794d89-1ae4-4cce-902a-50f6f8138ce9%22%2C%22product_name%22%3A%22Secured%2BLoan%2BFinder%2Bpowered%2Bby%2BLoans%2BWarehouse%22%2C%22offer_id%22%3A%2224814%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22post_id%22%3A%22120904%22%2C%22post_path%22%3A%22personal-loans%252Fpepper-money%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/69fb1bd553e79.png\" alt=\"Secured Loan Finder powered by Loans Warehouse\" class=\"has-margin-bottom-xsmall has-padding-small no-padding-top has-margin-top-small\" style=\"width: 168px; min-width: 120px; max-height: 140px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/69fb1bd553e79.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/69fb1bd553e79.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/69fb1bd553e79.png?fit=504 504w\" sizes=\"(max-width: 504px) 100vw, 504px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<div class=\"has-margin-bottom-xsmall text-xxx-large weight-normal\">Want to see which lenders can offer you a secured loan?<\/div>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n\r\n\r\n\r\n<li>Loans from \u00a31,000 to \u00a32,500,000<\/li>\r\n\r\n<li>See your quote before you apply<\/li>\r\n\r\n<li>Quote won\u2019t affect your credit score<\/li>\r\n\r\n\r\n\r\n<\/ul>\r\n\r\n\r\n<\/div>\r\n<div class=\"applylinks u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/secured-loan-finder-powered-by-loans-warehouse-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%225e794d89-1ae4-4cce-902a-50f6f8138ce9%22%2C%22product_name%22%3A%22Secured%2BLoan%2BFinder%2Bpowered%2Bby%2BLoans%2BWarehouse%22%2C%22offer_id%22%3A%2224814%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22post_id%22%3A%22120904%22%2C%22post_path%22%3A%22personal-loans%252Fpepper-money%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button\">Check eligibility<\/a>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article><div itemscope itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 id=\"learn\" itemprop=\"name\">Who is Pepper Money?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Since its launch in June 2014, Pepper Money (formerly Optimum Credit Limited) has advanced funds of over \u00a3400 million to homeowners in the UK. Based in Cardiff, it offers a range of variable, fixed and discounted <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/second-charge-mortgages\">second-charge mortgages<\/a> to suit your circumstances.<\/p><p>Whether you\u2019re improving your home or consolidating debt, Pepper Money could help with a <a href=\"https:\/\/www.finder.com\/uk\/secured-loans\">homeowner loan<\/a>. Complete a callback form online at the Pepper Money website to receive a call from one of its specialist mortgage advisors.<\/p><p>If you\u2019re approved for a homeowner loan directly with Pepper Money, it will act as a direct lender, not a broker.<\/p><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What types of loans does Pepper Money offer?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Pepper Money offers secured homeowner loans, specifically in the form of second-charge mortgages.<\/p><p>Second-charge mortgages are available to homeowners who already have a (first-charge) mortgage. Just like your existing mortgage, this type of credit is secured against your property. Many second-charge mortgages are taken out when a homeowner wants to re-organise their finances, such as <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/debt-consolidation\">consolidating debt<\/a> into more manageable monthly payments. <\/p><p>You should be aware that when consolidating existing credit, this may result in you extending the repayment term of your debt and could increase the total amount you repay. Consider this option carefully before you apply to ensure that it is right for your circumstances.<\/p><\/div><\/div><\/div><div itemscope itemprop=\"\" itemtype=\"\"><h3 itemprop=\"\">What are the key features of a pepper Money loan?<\/h3><div itemscope itemprop=\"\" itemtype=\"\"><div itemprop=\"\"><p>Pepper Money provides second-charge mortgages to homeowners. This is a type of loan that is secured against your property.<\/p><ul class=\"list-10\"><li><strong>Borrow \u00a37,500 to \u00a31,000,000.<\/strong> Pepper Money Ltd will lend up to 100% of the value of your home, less the outstanding mortgage.<\/li><li><strong>Repay over 3 to 30 years.<\/strong> Your repayment term will depend on your individual needs and circumstances.<\/li><li><strong>Fixed, discounted or variable rates.<\/strong> Interest rates can be fixed for terms of between 2 and 5 years, and discounts may be available for 12 or 24 months. The rate you are offered will depend on your individual circumstances.<\/li><li><strong>Security.<\/strong> Your home will be used as security on your loan. Missing repayments will put your home at risk, so always ensure that you can afford the loan you are asking for before you apply.<\/li><li><strong>Flexible repayments.<\/strong> Pepper Money allows you to either reduce the term of your second-charge mortgage or reduce your monthly repayments, whichever suits your circumstances best. You may be charged a fee if you settle your loan early in full.<\/li><li><strong>Set-up fees.<\/strong> Pepper Money may charge you a fee for taking out a second-charge mortgage. If it requires your home to be valued before making a decision, you will be asked to pay for this.<\/li><\/ul><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What are the pros and cons of Pepper Money loans?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Access higher borrowing amounts than with unsecured loans<\/li>\n                                    <li>Interest rates are typically lower than with <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\">personal loans<\/a><\/li>\n                                    <li>Make overpayments at any time to reduce future monthly repayments<\/li>\n                                    <li>Keep your <a href=\"https:\/\/www.finder.com\/uk\/mortgages\">first charge mortgage<\/a> in place at its current rate<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>The loan is secured against your property, so if you fail to make repayments on the loan there is a risk that you could lose your home<\/li>\n                                    <li>Repayment periods on secured loans are longer, which means you may end up paying more interest in total over the entire term of the loan<\/li>\n                                    <li>Early repayment charges may be incurred if you decide to repay the total amount early<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What could I use a pepper Money loan for?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Ultimately, a secured loan can be spent on anything you like, so long as it is used for a legal purpose. As secured loans typically allow you to borrow larger amounts than unsecured loans, they\u2019re most commonly used to finance life\u2019s larger expenses, such as <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/home-improvement\">home improvement<\/a> projects or <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/cosmetic-surgery-loans\">cosmetic surgery<\/a>. <\/p><p>Secured loans can also be used as a way of consolidating any existing loan or credit card debt into one monthly repayment. However it\u2019s important to note that the loan is secured against your property, so there is a real risk that you could lose your home if you\u2019re unable to keep up with repayments. <\/p><p>Here are a few examples of how you can use secured loans:<\/p><ul class=\"list-10\"><li>Funding a home improvement project, such as a home extension<\/li><li>Consolidating existing debts into a single monthly repayment<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/wedding\">Financing a wedding<\/a> or honeymoon<\/li><li>Paying for a cosmetic surgery procedure<\/li><li>Covering the costs of a child\u2019s education, including university fees<\/li><li>Purchasing a new car<\/li><li>Funding a holiday or cruise<\/li><\/ul><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Am I eligible for a pepper Money homeowner loan?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>You should only apply for a pepper Money homeowner loan if you are certain you can meet the repayment terms, and you meet the following criteria:<\/p><ul class=\"list-1 has-margin-bottom\"><li><strong>You own your property, with a mortgage.<\/strong> Minimum property values apply depending on the product you choose. If you are a joint property owner, you must become joint borrowers.<\/li><li><strong>You are employed or self-employed.<\/strong><\/li><li><strong>You\u2019re borrowing for acceptable purposes.<\/strong> Pepper Money will lend for most purposes, including consolidating existing debts, home improvements and large ticket purchases such as a new car. Its lending criteria do not allow it to provide funds for transfer of equity, matrimonial settlements, or for business purposes.<\/li><li><strong>You have a minimum of \u00a375,000 equity in your home.<\/strong> Pepper Money can lend up to 100% of your property\u2019s value, less any existing mortgage secured against it. In certain circumstances a valuation may be required on your property. If this is necessary, there may be additional costs to you to cover this.<\/li><\/ul><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How do I apply for a pepper Money secured loan?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><ol><li>Fill out the callback form on the Pepper Money website with some basic personal and contact details.<\/li><li>A specialist mortgage advisor will call you to discuss your specific requirements before recommending a suitable product.<\/li><li>A credit check will be performed based on the information you have given and you will be given a quick decision.<\/li><\/ol><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Can I get a pepper Money loan if I am self-employed?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Yes, Pepper Money can issue secured <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/self-employed-personal-loans\">loans for self-employed<\/a> applicants. However, you must have been trading for a minimum of three years to qualify and you may be required to provide additional documentation in support of your application such as income tax assessments, an Accounts Certificate and SA302s.<\/p><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Do Pepper Money offer payment holidays?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>If you are an existing Pepper Money customer and your income has recently been affected or you are experiencing <a href=\"https:\/\/www.finder.com\/uk\/\">financial difficulties due to coronavirus<\/a>, you may be able to apply for a payment holiday or a payment deferral. <\/p><p>Pepper Money recommends that you contact their team directly at your earliest convenience to discuss the most suitable solution for you.<\/p><\/div><\/div><\/div><\/div><h3>Pepper Money customer reviews<\/h3><p>Pepper Money has received positive reviews from customers, according to review website Trustpilot. It currently has an \u201cExcellent\u201d rating of 4.7 out of 5 based on more than 460 reviews (updated July 2022). Some customers praised its customer service and expertise.<\/p><h3>Our verdict<\/h3><p>Pepper Money aims to offer homeowner loans which meet your individual circumstances, offering a range of fixed, variable and discounted second charge mortgages with the possibility of releasing up to 100% of your property\u2019s value (less your existing mortgage), plus the option to reduce the term or reduce your monthly repayments. While you may be able to find a lender that offers you a better APR, Pepper Money may be a good option for those looking to borrow large loan amounts of up to \u00a31,000,000. <\/p><h3>Alternatives to second-charge mortgages<\/h3><p>A second-charge mortgage is not the only way to access funds that are secured against an asset. You could also consider:<\/p><ul class=\"list-10\"><li><strong>Car loans.<\/strong> These secured loans can be for new or used cars. You can find car loans from most banks and credit unions, as well as dealerships and standalone car loan lenders. You can usually repay the loan at any time by returning the car.<\/li><li><strong>Lines of credit.<\/strong> If you\u2019re looking to renovate, invest in property, go on a holiday or buy a new car, you can consider this type of loan. Also called a \u201chome equity\u201d loan, it can be drawn on continually based on the equity held in your property. This is a flexible way to access funds, which could suit you if the amount of credit you need is going to change over time.<\/li><li><strong>Personal asset secured loans.<\/strong> High-priced assets such as boats, motorbikes and jewellery are accepted by some lenders as a guarantee. Your item or collection of items is valued and then used as security, allowing you to take out the loan you need. You generally won\u2019t find these loans at major banks.<\/li><\/ul><h3> Overview of Pepper Money secured loans <\/h3>\n\n\n<table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Loan amounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">From \u00a37,500 to \u00a31,000,000\n<\/td>\n<\/tr>\n<tr>\n<th>Age<\/th>\n<td class=\"i_infobox_data product_infobox_data\">From 21 to 80 years\n<\/td>\n<\/tr>\n<tr>\n<th>Term<\/th>\n<td class=\"i_infobox_data product_infobox_data\">From 3 to 30 years\n<\/td>\n<\/tr>\n<tr>\n<th>Maximum LTV<\/th>\n<td class=\"i_infobox_data product_infobox_data\">Up to 100%\n<\/td>\n<\/tr>\n<tr>\n<th>Representative APRC<\/th>\n<td class=\"i_infobox_data product_infobox_data\">Up to 15%\n<\/td>\n<\/tr>\n<tr>\n<th>Lender fee<\/th>\n<td class=\"i_infobox_data product_infobox_data\">from \u00a3595\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How much can I borrow?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">The amount you can borrow will depend on your personal circumstances as well as the value of your home. Pepper Money Limited allows you to borrow up to 90% of the value of your home, less the outstanding mortgage on it.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What if I am a joint homeowner?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">You can apply for a pepper Money second-charge mortgage as a joint homeowner, but you will both need to agree to the loan to become joint borrowers.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I make overpayments or repay my loan early?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Pepper Money gives you the flexibility to make overpayments at any time, without incurring any form of financial penalty. You can repay your second-charge mortgage in full at any time, however early repayment charges may apply.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Can I increase my loan during its term?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you find you need further credit while still paying off your loan, Pepper Money will consider increasing your second-charge mortgage. This will depend on your personal circumstances and affordability.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How do I get in touch with Loans Warehouse?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If you have any issues or queries, you can ring Loans Warehouse customer service on 01923 660218.<\/div>\n  <\/div>\n<\/li><\/ul><div class=\"text-center has-margin-bottom\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/secured-loan-finder-powered-by-loans-warehouse-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Get%2Ba%2Bquote%22%2C%22site%22%3A%22UKFPL%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--large%22%2C%22offer_id%22%3A%2224814%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22product_id%22%3A%225e794d89-1ae4-4cce-902a-50f6f8138ce9%22%2C%22product_name%22%3A%22Secured%2BLoan%2BFinder%2Bpowered%2Bby%2BLoans%2BWarehouse%22%2C%22provider_id%22%3A%229013df25-9c60-4805-89c4-66f0a3d013de%22%2C%22provider_name%22%3A%22Loans%2BWarehouse%22%2C%22post_id%22%3A%22120904%22%2C%22post_path%22%3A%22personal-loans%252Fpepper-money%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--large\">Get a quote<\/a><\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Pepper Money provides secured homeowner loans of \u00a3500 to \u00a3500,000. Borrow up to 95 percent of the value of your home. Find out how other lenders compare.<\/p>\n","protected":false},"author":195,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[],"asset_tag":[],"class_list":["post-120904","post","type-post","status-publish","format-standard","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pepper Money review (formerly Optimum Credit) | Loan rates and calculator<\/title>\n<meta name=\"description\" content=\"Apply for Pepper Money secured homeowner loans of \u00a37,500 - \u00a31,000,000. 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