Pepper Money Secured Loans

We've teamed up with award winning broker* Norton Finance to help find the best secured loan for you

  • Competitive and fixed interest rates available

  • Borrow between £3,000 and £500,000

  • Repay your loan between 1 and 30 years

  • Compare secured loans from trusted UK providers

getting a quote won't affect your credit score

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Loan amount


Repayment term

10 years


Home Improvements
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it. Show representative example

Some examples

Here are some example quotes from UK loan providers based on what you've told us. Your Norton Finance advisor will give you tailored recommendations based on your circumstances - complete the enquiry form

    • Pepper logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Shawbrook Bank logo

      Shawbrook Bank

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • West One logo

      West One

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Step One logo

      Step One

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Oplo logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Together logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • United Trust Bank logo

      United Trust Bank

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Norton Home Loans logo

      Norton Home Loans

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Spring Finance logo

      Spring Finance

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Central Trust logo

      Central Trust

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Equifinance logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Lesley Stephen and Co logo

      Lesley Stephen and Co

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Evolution logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments

Please note: Loans displayed have a minimum term of 12 months and a maximum term of 300 months. Maximum APRC charged 49.9%. Rates displayed are the lowest available for each lender based on 60% loan-to-value (LTV).

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

This secured loans comparison and quote service is presented via our partnership with Norton Finance. Data provided is submitted directly to Norton Finance. Nerdwallet Ltd does not form part of the service beyond this introduction.

Norton Finance. Registered at Norton House, Mansfield Road, Rotherham, South Yorkshire, S60 2DR. Registered in England & Wales No 5995692. Authorised and regulated by the Financial Conduct Authority no. 589554.

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Last updated on 27 January 2022.

Pepper Money Secured Loans FAQ

Who is Pepper Money?

Pepper Money is a Wales-based lender of secured loans, in the form of second charge mortgages. They offer different types of second charge mortgages to homeowners in the UK and have been in operation since 2014.

What types of secured loans does Pepper Money offer?

Pepper Money secured loans are offered in the form of second charge mortgages, which are additional mortgages taken out against a property on which you already have a mortgage. The loan is offered on either fixed, variable or discounted interest rate terms, each offering different advantages and disadvantages, so it pays to do some further research before committing to a secured loan.

What could I use an Pepper Money secured loan for?

In theory, you can spend the money you borrow on a secured loan on anything you like. Most borrowers require the cash to cover a large expense, such as a home extension, a garden landscaping project or even for a holiday. Others use the money to pay off existing debts and consolidate their loans into a single debt. However, this type of loan is secured against your property, which means there is a very real chance you could lose your home if you cannot afford to repay the debt.

In addition, if you use a secured loan for debt consolidation, you could end up paying off more overall as you may extend the term of the loan.

What are the lending criteria for an Pepper Money secured loan?

To be accepted for an Pepper Money secured loan, or any other second charge mortgage, you will need to be a homeowner living in the UK. Lenders will usually also check your credit score and your employment status, alongside your financial commitments, to check you can afford the repayments.

How much will Pepper Money lend me?

This all depends on a range of factors, including your financial circumstances, the value of your home and your credit record. You can check your credit record before starting any application process in order to avoid applying and being turned down, which can damage your credit score.

Can I repay by Pepper Money secured loan early?

You are able to repay the total loan amount outstanding whenever you wish. However, you may incur charges for early repayment, so check these details with lenders before deciding which loan is right for you.

Where does NerdWallet get its comparison table information from for Pepper Money secured loans?

We work with a popular secured loan broker, Fluent, which can provide broker services to customers looking to take out a secured loan. Brokers are often used to help borrowers arrange and apply for secured loans and some lenders will only work through brokers. Other borrows prefer to seek out a lender they can work with directly.

What should I do if I am struggling to meet my Pepper Money secured loan repayments?

It’s advisable to contact your secured loan provider as soon as possible if you think you might miss a payment. This can sometimes help you avoid late payment charges. Lenders will also often help you to meet future repayments by restructuring the repayment agreement, although this may lead to your loan term being extended and the total amount repayable may increase as a result.

Services offered by this provider may change over time. Always check Ts&Cs.

Important information

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