Under the integration, the Optimum Credit brand has been retired but its operations will continue under the Pepper Money brand.
This means Pepper Money will now offer second charge mortgages alongside its existing range.
Pepper Money bought second charge lender in Optimum Credit in 2018, which included a second charge loan book of more than £450m at the time.
Laurence Morey (pictured), chief executive at Pepper Money, said: “I am thrilled to announce that today, Pepper Money will be providing second charge mortgages following the successful merger of Pepper Money and Optimum Credit.
“It’s taken over 18 months to plan and execute but we’re now primed and ready to help even more customers.”
Paul Adams, first charge sales director at Pepper Money, added “This is a significant milestone in the development of the Pepper Money business. There are lots of synergies across the new enlarged business and I know that this move will benefit both brokers and customers.
“We have always wanted to offer our brokers a broader range of mortgage services and working alongside my seconds colleagues we can now do just that.”