One Mortgage System (OMS) has completed a full API integration with Pepper Money for its second charge business.

The integration will see users have direct access to Pepper Money’s second charge range to carry out a full decision in principle, without the need to rekey any data. This will incorporate a full two-way Application Programming Interface (API) to help support and speed up the advice process, sourcing and delivery.

Pepper Money launched its second charge mortgage proposition following the completion of its integration with Optimum Credit back in January 2022. Under the integration, the Optimum Credit brand has been retired, and its operations are continuing under the Pepper Money brand, with the support and resources of the wider group.

OMS is an end-to-end CRM system which covers product areas such as residential, buy-to-let, second charge, equity release, bridging, commercial plus general insurance and protection.

Neal Jannels, managing director of One Mortgage System (OMS), said: “In recent times we’ve seen the second charge sector really starting to make its mark within the wider mortgage industry and in meeting a wider range of borrowing needs. It has also progressed greatly from a tech standpoint and this continues to be evident in ongoing conversations we are having with a raft of second charge specialists and lenders with a second charge arm.

“As a forward-thinking lender with one of the most inclusive specialist offerings, this was a relatively simple conversation as the benefits to both parties were immediately evident. And we hope this integration will help support Pepper Money’s second charge business and in providing an even simpler journey for its intermediary partners.”

Caroline Mirakian (pictured), sales director, second charge mortgages at Pepper Money, added: “Our dedicated teamwork with a range of approved specialist partners to offer second charge mortgages to customers. We are always interested in building new partnerships and we pride ourselves on the lasting relationships we build with our broker intermediaries.

“The OMS platform is a great fit for our proposition and its extensive reach, together with the expertise of the team behind it, we will help even more intermediaries gain access to a competitive range of second charge options backed by a strong service offering, including our experienced team of BDMs.”