The launch will give Scottish intermediaries access to Pepper Money’s specialist lending expertise and dedicated regional broker support, helping them  find solutions for customers whose circumstances may not fit traditional high-street lending criteria. 

Pepper Money already has an established Second Charge mortgage business in Scotland. The planned launch of the First Charge proposition in Scotland will build on its existing Scottish expertise and represents an opportunity to bring its specialist approach, broker support and service proposition to the First Charge market. 

Paul Adams, director of sales at Pepper Money, said: “Scotland is an important market for Pepper Money and a natural next step in our growth strategy. We understand the Scottish mortgage market and home-buying process and see a clear opportunity to bring our specialist expertise to more brokers and their customers. 

“Through this expansion into Scotland, Pepper Money will continue to champion greater choice in residential and buy-to-let mortgages, supporting borrowers who are self-employed, have complex incomes, or have experienced adverse credit. 

“In September, we will launch through a programme of broker engagement and industry activity, focused on building strong relationships with intermediaries.”