Pepper Money is to distribute its complete range of specialist mortgages via the Brilliant Solutions Mortgage Club.

Brokers using Brilliant Solutions now have access to Pepper’s residential and buy-to-let mortgage products, which are designed for clients who experience difficulties obtaining a mortgage via a high street lender.

It means that brokers now have access to Pepper’s mortgages through both Brilliant Solutions Mortgage Club and Brilliant Solutions Packaging Services.

Pepper can consider customers with CCJs or defaults registered as recently as seven months ago. The lender only requires one year’s finalised accounts or SA302 from the self-employed and does not impose LTV restrictions for debt consolidation or first-time buyers.

Rob Barnard (pictured), director of sales at Pepper Money, said: “We are really looking forward to working with Brilliant Solutions to help brokers using its mortgage club to find a home for their interesting cases.

“At Pepper, we recognise that, for many customers, credit scores don’t tell the whole story. So, we review each case on its own merits and our lending decisions are made by a team of skilled and mandated underwriters.”

Matthew Arena, managing director at Brilliant Solutions, added: “We are always reviewing our lender panel to ensure we provide brokers with a comprehensive range of solutions for their clients. Pepper offers a combination of accommodating criteria, personal underwriting and competitive rates, which makes it a great addition for our mortgage club.

“This launch comes on the back of our existing packaging relationship with Pepper and we were keen to broaden the choice of channels for brokers. Brilliant Solutions continues to offer fees free packaging for all Pepper Money mortgages.”