Pepper Money (UK) Part-2 Policy Changes

Pepper Money handbook activity (England and Wales)

Changes published per month

5 in the last 24 months, from Dec 2024 to Nov 2026.

Show as a table

Month	Changes
Nov 2026	0
Oct 2026	0
Sep 2026	0
Aug 2026	0
Jul 2026	0
Jun 2026	1
May 2026	0
Apr 2026	0
Mar 2026	0
Feb 2026	0
Jan 2026	0
Dec 2025	0
Nov 2025	0
Oct 2025	0
Sep 2025	0
Aug 2025	0
Jul 2025	0
Jun 2025	1
May 2025	3
Apr 2025	0
Mar 2025	0
Feb 2025	0
Jan 2025	0
Dec 2024	0

Recent changes

• 05/06/2025

  Pepper Money now lends on HMO properties in England and Wales, provided planning permission for HMO use and a valid HMO licence are in place, where it previously did not. It also requires professional third-party supervision for properties built in the last 10 years and has expanded its list of acceptable new home warranty schemes, dropping Zurich Municipal.

  See the full change
• 20/05/2025

  Pepper Money has reduced its minimum notice period for England and Wales from at least 5 working days prior to completion.

  See the full change
• 08/05/2025

  Pepper Money has added a new England and Wales post-completion requirement: a certified copy of the executed mortgage deed must be emailed to the Lender. The list of documents to post and the postal address are unchanged.

  See the full change