Case Study

Pepper Money
Product Pages & Data Architecture

A ground-up rebuild of mortgage product pages, tables, and backend data infrastructure — replacing inaccessible PNG images and disconnected systems with a single, scalable data source.

Client
Pepper Money UK
Sector
Financial Services
Scope
UX Research · Accessibility · Data Architecture · Product UX
Audience
Mortgage Brokers
2 days → 20 mins
Rate update turnaround — from manual triple-entry to single CSV import
+20%
Revenue increase in the year following the new data architecture launch
1 source
Single CSV data truth feeding tables, calculators and sourcing systems

01 — Research & Audit

The problems with the existing product pages

User feedback and internal workflow analysis identified a set of compounding problems across the product pages. The issues were not just visual — they ran through the data architecture, accessibility compliance, and broker workflows. Each problem made the others worse.

Tables

PNG images, not real text — Product tables were rasterised images — not indexable, not accessible, impossible to render responsively or read with screen readers.

Accessibility

Colour-coded tables failed WCAG — Colour was used as the sole differentiator between product types, presenting significant contrast and comprehension failures for users with visual impairments.

Broker Workflow

Full PDF download required — To view any product detail or criteria, brokers had to download the entire product guide PDF — regardless of whether they needed one product or fifty.

Data Architecture

Three disconnected systems — Product tables, calculators and sourcing system API connectors were entirely separate, causing data discrepancies, version conflicts and regular failures.

Filtering

No product filtering — Brokers had no way to filter or search products by criteria. Every visit required manually scanning the entire table to find relevant products for a client.

Workload

Tripled update effort — Any rate change required manual updates to the product tables, calculators and sourcing systems independently — a 2-day turnaround for every update cycle.

Responsive Design

No mobile optimisation — PNG image tables could not reflow for smaller screens. The pages were effectively unusable on mobile or tablet devices.

Overwhelm

Screen real estate — The product range was extensive with no accordion or grouping system, creating page overwhelm and making it difficult to locate specific product tiers quickly.

02 — Wireframes

Designing the solution

After conducting broker user research and discovery sessions, I wireframed two distinct page types: the product listing overview and the individual product detail page. The wireframes were built to solve the specific problems uncovered in research — accordion grouping, real HTML tables, block-based segmentation, and a dedicated single-product view.

Wireframe — Product listing

Wireframe Mortgage products — overview & rate tables
Product listing wireframe

Wireframe — Single product

Wireframe Single product detail page
Single product wireframe

Wireframe decisions — product listing page

1
Tabbed navigation by product range — Products grouped into tabs (Adverse, Pepper 12, Pepper 18, Pepper 24, Pepper 36, Pepper 48) replacing a single scrolling list. Brokers jump directly to the relevant tier for their client rather than scanning the entire range.
2
HTML rate tables replacing PNG images — Every column (LTV, Product, Rate, APRC, Fee, Max Loan, ERC) built as real text in a proper table element — screen reader compliant, responsive, and searchable by both users and search engines.
3
‘View Product’ button on each row — Beta testing revealed that even the simplified table still presented too much detail. Adding a per-row view button offloads all full criteria to a dedicated page, keeping the overview clean and actionable.
4
Broker Toolkit and Calculators surfaced on page — Application Forms, Rate Sheets, Product Guides, and three calculators (Affordability, Repayment, Stamp Duty) brought onto the product page itself — previously requiring navigation to separate sections.
5
Criteria Guides inline — Lending Criteria Guide, Adverse Credit Guide, Self-Employed Guide and Buy-to-Let Criteria all surfaced as accessible links directly on the product listing page, removing the need to navigate away mid-research.

Wireframe decisions — single product detail page

1
Clear product header with badge and CTAs — Product name, type badge (Limited Edition), Download Product Details and Broker Login/Register presented immediately. No hunting for the application entry point.
2
Two-panel Key Features layout — Product Details and Lending Criteria displayed side by side — mirroring how brokers assess a case (product terms on left, credit acceptability on right). Scannable in seconds without reading linear copy.
3
Fees & Charges as a dedicated section — Application Fee, Product Fee and Valuation Fee broken out with clear formatting. The ‘FREE*’ callout for Valuation Fee is a conversion moment — surfaced prominently rather than buried in footnotes.
4
Incentives as visual highlight blocks — Cashback Available and Free Legal Fees displayed as distinct coloured callout blocks, not as list items in a table. Incentives are a key competitive differentiator — they needed to read as features, not small print.
5
Related Products sidebar — Pepper60, Pepper75 and Pepper85 alternatives shown in a right-hand sidebar with their rates — giving brokers immediate awareness of what else is available without a back-navigation step.
6
Print page function — Clearly signposted print facility at the top of the page captures only this product’s data for output. Eliminates the previous need to download and print the entire PDF product guide for a single product.

03 — Product Listing Page

Wireframe to final — product listing

The new product listing page replaced the previous PNG image tables with a fully accessible, filterable HTML system. Products are grouped by range in tabs, each displaying a condensed rate table with a direct link to the full product detail page.

Wireframe

Wireframe Product listing — structural layout
Product listing wireframe

After — Live site

pepper.money/broker/mortgage-products/residential
Residential mortgage products live

Annotations — what changed on the live product listing page

1
Hero section with benefit icons — Page opens with three clear broker propositions (Flexible Solutions, Competitive Rates, Fast Decisions) replacing the previous full-bleed imagery. Sets context immediately for a broker landing on the page.
2
Product Finder CTA banner — A dedicated ‘Find the right product for your client — Launch Product Finder’ banner inserted before the rate tables. The Product Finder tool grew directly from the filtering work on this project.
3
Tab-based product range navigation — Adverse, Pepper 12, Pepper 18, Pepper 24, Pepper 36, Pepper 48 — each as a tab, replacing the single overwhelming scrolling list. Brokers identify their client’s tier and jump directly to the relevant rates.
4
HTML rate tables — real text throughout — LTV, Product, Rate, APRC, Fee, Max Loan, ERC displayed as a proper HTML table. Screen reader compliant, mobile responsive, and eliminates the previous PNG image inaccessibility issues entirely.
5
Broker Toolkit surfaced on page — Application Forms, Rate Sheets, Product Guides and Marketing Materials brought directly onto the page. Previously these required navigating to a separate Resources section — removing them from the broker’s mid-research flow.
6
Calculators inline — Affordability, Repayment and Stamp Duty calculators accessible from the product page. No more navigating away mid-research — the tools a broker needs are co-located with the rates they’re assessing.
7
Criteria Guides accessible from product page — Lending Criteria Guide, Adverse Credit Guide, Self-Employed Guide and Buy-to-Let Criteria all available as direct downloads from the product listing page — completing the research loop in one place.

04 — Single Product Page

Wireframe to final — single product detail

Each product now has a dedicated detail page built from a reusable template. Brokers can view full criteria, fees, incentives and related products without downloading anything — and print a clean single-product output directly from the page.

Wireframe

Wireframe Single product detail — structural layout
Single product wireframe

After — Live site

pepper.money/broker/mortgage-products/pepper48-light
Single product detail live

Annotations — what changed on the live single product page

1
Product badge and full title in hero — ‘Limited Edition’ badge, full product name, type description, and Download / Broker Login CTAs presented clearly at the top. Replaces the previous generic product header with no quick-access actions.
2
Side-by-side Key Features panel — Product Details (LTV, Rate, APRC, Term, Credit History) and Lending Criteria (Min/Max Loan, Min Income, Max Age) displayed in two columns. Brokers assess product suitability and client eligibility simultaneously.
3
Fees & Charges broken out clearly — Application Fee (£150), Product Fee (£999) and Valuation Fee (FREE*) each on a separate row with amounts right-aligned. The ‘FREE’ callout in green is deliberate — it’s a competitive advantage surfaced as a visual highlight.
4
Incentives as feature callout blocks — Cashback Available (green) and Free Legal Fees (purple) displayed as distinct branded blocks with icons. Pepper Flex highlighted in an orange badge — a key differentiator for edge cases, now impossible to miss.
5
Broker Tools sidebar — Product Finder, Affordability Calculator and Criteria Guide accessible from a persistent right-hand sidebar — broker tools co-located with the product detail they’re being assessed against.
6
Related Products with live rates — Pepper60, Pepper75 and Pepper85 shown with their current rates in the sidebar. A broker can immediately see alternatives without navigating back to the product listing — reducing decision friction.
7
Downloads — targeted PDFs — Product Information Sheet, Key Facts Illustration and Tariff of Charges available as individual PDFs in the sidebar. Previously only available as part of a full product guide download — now surgically accessible.

05 — Data Architecture

The backend problem — and how it was solved

The most complex challenge was not the visual redesign — it was the data. Product rate information arrived as Excel spreadsheets, then had to be manually re-entered into the website tables, the calculators, and the sourcing system endpoints separately. Every rate change required three parallel manual updates, took two days, and introduced regular data discrepancies.

The problem: Three disconnected systems. Three manual update cycles. Two-day turnaround per rate change. No single version of the truth. Any error in one system would not be reflected in the others until the next manual update — meaning brokers could be working from inconsistent data across different tools.

Before — The triple-entry problem

Product Tables
Manually updated separately
Calculators
Manually updated separately
Sourcing Systems
Manually updated separately

↑ Excel spreadsheet → 3× manual entries → 2-day turnaround → high risk of discrepancy

After — Single CSV data source

Excel → Updated Format → CSV Import
Product Tables
Auto-populated from CSV
Calculators
Auto-populated from CSV
Sourcing Systems
Auto-populated from CSV

↑ One import → all systems updated simultaneously → 20 minutes total

The interim solution: A long-term backend rebuild was the eventual goal but required time and budget. Working with the product and development team, I designed an interim system using custom WordPress post types to generate a single structured CSV. The Excel spreadsheet format was updated to align with the input fields required, making the export → import process fast and consistent. This became the single source of truth — one file, one update, everything in sync.

06 — Full Scope of Work

What I did

Every decision connected back to the research. The visual redesign, the accessibility work, the data architecture — each addressed a specific, documented problem identified in the broker discovery sessions.
01
Research
Broker user research & discovery
Internal and external broker interviews conducted to establish pain points, filtering needs, and workflow requirements before any build decisions were made.
02
Accessibility
Real HTML tables replacing PNG images
Product tables rebuilt in real text — now fully screen reader compliant, responsive across all devices, and indexable by search engines.
03
Accessibility
Removed colour-coding — block-based segmentation
Colour backgrounds removed from product differentiation. Products segmented into clearly labelled blocks, improving accessibility and reducing screen overwhelm simultaneously.
04
UX
Accordion system for product range
Products grouped by range, type and naming convention within an accordion layout — dramatically reducing page scroll depth and initial screen load.
05
UX
‘View Product’ button → dedicated product pages
Beta testing revealed remaining information overload. A dedicated single-product page per product removed the detail from the main table entirely, keeping the overview clean and scannable.
06
Workflow
Print page facility — targeted output
Added a clearly signposted print function capturing only the individual product page data, eliminating the need to download and print the entire product guide PDF. Aligned with environmental mandates.
07
Data
Single CSV data source — one truth for everything
Built a custom post-type input system generating a single CSV file. This feeds product tables, affordability calculators and sourcing system endpoints simultaneously — eliminating triple-entry.
08
Data
Rate updates: 2 days → 20 minutes
The unified CSV import reduced mortgage rate updates from a 2-day manual process to a 20-minute operation. Pepper Money could now react to Bank of England rate changes ahead of competitors.
09
Product
Product Finder — new market-leading feature
The product filtering system was extended into a full Product Finder tool, allowing brokers to filter the entire range by client criteria — a new market-leading capability for the broker audience.

07 — Outcome

The result

The product page rebuild delivered measurable improvements across accessibility, broker workflow efficiency, data accuracy and commercial performance.

2 days → 20 mins

Rate updates

A unified CSV data architecture reduced mortgage rate update time by 98% — keeping Pepper ahead of competitor response times.

+20%

Revenue increase

The speed advantage delivered by the new system directly contributed to a 20% revenue increase in the following year.

WCAG

Accessible tables

Real HTML tables, removed colour-coding and accessible typography replaced all PNG image-based product tables across the site.

1 source

Single data truth

One CSV now feeds product tables, mortgage calculators and sourcing system endpoints — eliminating data discrepancies and version conflicts.