Residential
Helping you to succeed
We can help you place more specialist Residential mortgage customers, whether they’re first-time buyers with no credit history, self-employed with one year’s trading history, or existing homeowners looking to consolidate their debts.
Our inclusive range of specialist mortgages, combined with our quick turnarounds and direct access to underwriters could be the answer. Our products are structured for simplicity, with tiers based on your customer’s most recently registered adverse credit including CCJs, defaults and secured missed payments.
A little extra flex
Thanks to Pepper Flex, we can say ‘yes’ to more of your customers – with a modest uplift to the completion fee
Unsecured credit
Unsecured credit never affects product tier
Capital raising up to our max LTV
Raise capital for any legal purpose, including debt consolidation up to our max 90% LTV
Helping the self-employed
One year’s self-employed trading or most recent year's accounts accepted
No credit score
Suitable for your customers who may miss credit scoring thresholds
No value limits on CCJs & defaults
No value limit on CCJs and defaults; no need for them to be satisfied
Try our easy to use product finder
Residential Mortgage Product Rates and Criteria
- For Intermediary use only
- November 2025
- LMR = 4.50% (As of 15th September 2025)
Residential - Special Limited Edition Min Loan Value £350K
Pepper48 Light Special Limited EditionSuitable for customers: with no Default in the last 48 months 
never had a CCJ 
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Light Special
Limited Edition
Product Code: R55501
Pepper48 Light Special
Limited Edition
(Remortgage only)
Product Code: R55503
Pepper48 Light Special
Limited Edition
Product Code: R25781
Pepper48 Light Special
Limited Edition
(Remortgage only)
Product Code: R25783
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
This product has a minimum loan size restriction of £350,000
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper48 Special Limited EditionSuitable for customers: with no Default in the last 48 months 
no CCJ in the last 48 months 
Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Pepper48 Special
Limited Edition
Product Code: R55502
Pepper48 Special
Limited Edition
(Remortgage only)
Product Code: R55504
Pepper48 Special
Limited Edition
Product Code: R25782
Pepper48 Special
Limited Edition
(Remortgage only)
Product Code: R25784
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
This product has a minimum loan size restriction of £350,000
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Residential - Limited Edition Special Rate
Pepper48 Light Limited EditionSuitable for customers: with no Default in the last 48 months 
never had a CCJ 
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Light
Limited Edition
Product Code: R55461
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R55467
Pepper48 Light
Limited Edition
Product Code: R55462
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R55468
Pepper48 Light
Limited Edition
Product Code: R55463
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R55469
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper48 Limited EditionSuitable for customers: with no Default in the last 48 months 
no CCJ in the last 48 months 
Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Pepper48
Limited Edition
Product Code: R55464
Pepper48
Limited Edition
(Remortgage only)
Product Code: R55470
Pepper48
Limited Edition
Product Code: R55465
Pepper48
Limited Edition
(Remortgage only)
Product Code: R55471
Pepper48
Limited Edition
Product Code: R55466
Pepper48
Limited Edition
(Remortgage only)
Product Code: R55472
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Residential - Limited Edition Special 90% LTV
Pepper48 Light Limited EditionSuitable for customers: with no Default in the last 48 months 
never had a CCJ 
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Light
Limited Edition
Product Code: R55476
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R55490
Pepper48 Light
Limited Edition
Product Code: R55475
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R55489
Pepper48 Light
Limited Edition
Product Code: R55474
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R55488
Pepper48 Light
Limited Edition
Product Code: R25759
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R25771
Pepper48 Light
Limited Edition
Product Code: R25758
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R25770
Pepper48 Light
Limited Edition
Product Code: R25757
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R25769
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper48 Limited EditionSuitable for customers: with no Default in the last 48 months 
no CCJ in the last 48 months 
Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Pepper48
Limited Edition
Product Code: R55480
Pepper48
Limited Edition
(Remortgage only)
Product Code: R55494
Pepper48
Limited Edition
Product Code: R55479
Pepper48
Limited Edition
(Remortgage only)
Product Code: R55493
Pepper48
Limited Edition
Product Code: R55478
Pepper48
Limited Edition
(Remortgage only)
Product Code: R55492
Pepper48
Limited Edition
Product Code: R25762
Pepper48
Limited Edition
(Remortgage only)
Product Code: R25774
Pepper48
Limited Edition
Product Code: R25761
Pepper48
Limited Edition
(Remortgage only)
Product Code: R25773
Pepper48
Limited Edition
Product Code: R25760
Pepper48
Limited Edition
(Remortgage only)
Product Code: R25772
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 Light Limited EditionSuitable for customers: with no Default in the last 36 months 
never had a CCJ 
Suitable for customers: with no Default in the last 36 months never had a CCJ
Pepper36 Light
Limited Edition
Product Code: R55483
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R55497
Pepper36 Light
Limited Edition
Product Code: R55482
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R55496
Pepper36 Light
Limited Edition
Product Code: R55481
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R55495
Pepper36 Light
Limited Edition
Product Code: R25765
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R25777
Pepper36 Light
Limited Edition
Product Code: R25764
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R25776
Pepper36 Light
Limited Edition
Product Code: R25763
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R25775
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 Limited EditionSuitable for customers: with no Default in the last 36 months 
no CCJ in the last 36 months 
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36
Limited Edition
Product Code: R55486
Pepper36
Limited Edition
(Remortgage only)
Product Code: R55500
Pepper36
Limited Edition
Product Code: R55485
Pepper36
Limited Edition
(Remortgage only)
Product Code: R55499
Pepper36
Limited Edition
Product Code: R55484
Pepper36
Limited Edition
(Remortgage only)
Product Code: R55498
Pepper36
Limited Edition
Product Code: R25768
Pepper36
Limited Edition
(Remortgage only)
Product Code: R25780
Pepper36
Limited Edition
Product Code: R25767
Pepper36
Limited Edition
(Remortgage only)
Product Code: R25779
Pepper36
Limited Edition
Product Code: R25766
Pepper36
Limited Edition
(Remortgage only)
Product Code: R25778
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Residential - STandard range
Pepper48 LightSuitable for customers: with no Default in the last 48 months 
never had a CCJ 
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Light
Product Code: R55205
Pepper48 Light
(Remortgage only)
Product Code: R55214
Pepper48 Light
Product Code: R55202
Pepper48 Light
(Remortgage only)
Product Code: R55211
Pepper48 Light
Product Code: R55199
Pepper48 Light
(Remortgage only)
Product Code: R55208
Pepper48 Light
Product Code: R30671
Pepper48 Light
(Remortgage only)
Product Code: R30674
Pepper48 Light
Product Code: R25501
Pepper48 Light
(Remortgage only)
Product Code: R25510
Pepper48 Light
Product Code: R25498
Pepper48 Light
(Remortgage only)
Product Code: R25507
Pepper48 Light
Product Code: R25495
Pepper48 Light
(Remortgage only)
Product Code: R25504
Pepper48 Light
Product Code: R55206
Pepper48 Light
(Remortgage only)
Product Code: R55215
Pepper48 Light
Product Code: R55203
Pepper48 Light
(Remortgage only)
Product Code: R55212
Pepper48 Light
Product Code: R55200
Pepper48 Light
(Remortgage only)
Product Code: R55209
Pepper48 Light
Product Code: R30672
Pepper48 Light
(Remortgage only)
Product Code: R30675
Pepper48 Light
Product Code: R25502
Pepper48 Light
(Remortgage only)
Product Code: R25511
Pepper48 Light
Product Code: R25499
Pepper48 Light
(Remortgage only)
Product Code: R25508
Pepper48 Light
Product Code: R25496
Pepper48 Light
(Remortgage only)
Product Code: R25505
Pepper48 Light
Product Code: R55207
Pepper48 Light
(Remortgage only)
Product Code: R55216
Pepper48 Light
Product Code: R55204
Pepper48 Light
(Remortgage only)
Product Code: R55213
Pepper48 Light
Product Code: R55201
Pepper48 Light
(Remortgage only)
Product Code: R55210
Pepper48 Light
Product Code: R30673
Pepper48 Light
(Remortgage only)
Product Code: R30676
Pepper48 Light
Product Code: R25503
Pepper48 Light
(Remortgage only)
Product Code: R25512
Pepper48 Light
Product Code: R25500
Pepper48 Light
(Remortgage only)
Product Code: R25509
Pepper48 Light
Product Code: R25497
Pepper48 Light
(Remortgage only)
Product Code: R25506
Pepper48 Light
Product Code: R55473
Pepper48 Light
(Remortgage only)
Product Code: R55487
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months 
no CCJ in the last 48 months 
Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Pepper48
Product Code: R55223
Pepper48
(Remortgage only)
Product Code: R55232
Pepper48
Product Code: R55220
Pepper48
(Remortgage only)
Product Code: R55229
Pepper48
Product Code: R55217
Pepper48
(Remortgage only)
Product Code: R55226
Pepper48
Product Code: R30677
Pepper48
(Remortgage only)
Product Code: R30680
Pepper48
Product Code: R25519
Pepper48
(Remortgage only)
Product Code: R25528
Pepper48
Product Code: R25516
Pepper48
(Remortgage only)
Product Code: R25525
Pepper48
Product Code: R25513
Pepper48
(Remortgage only)
Product Code: R25522
Pepper48
Product Code: R55224
Pepper48
(Remortgage only)
Product Code: R55233
Pepper48
Product Code: R55221
Pepper48
(Remortgage only)
Product Code: R55230
Pepper48
Product Code: R55218
Pepper48
(Remortgage only)
Product Code: R55227
Pepper48
Product Code: R30678
Pepper48
(Remortgage only)
Product Code: R30681
Pepper48
Product Code: R25520
Pepper48
(Remortgage only)
Product Code: R25529
Pepper48
Product Code: R25517
Pepper48
(Remortgage only)
Product Code: R25526
Pepper48
Product Code: R25514
Pepper48
(Remortgage only)
Product Code: R25523
Pepper48
Product Code: R55225
Pepper48
(Remortgage only)
Product Code: R55234
Pepper48
Product Code: R55222
Pepper48
(Remortgage only)
Product Code: R55231
Pepper48
Product Code: R55219
Pepper48
(Remortgage only)
Product Code: R55228
Pepper48
Product Code: R30679
Pepper48
(Remortgage only)
Product Code: R30682
Pepper48
Product Code: R25521
Pepper48
(Remortgage only)
Product Code: R25530
Pepper48
Product Code: R25518
Pepper48
(Remortgage only)
Product Code: R25527
Pepper48
Product Code: R25515
Pepper48
(Remortgage only)
Product Code: R25524
Pepper48
Product Code: R55477
Pepper48
(Remortgage only)
Product Code: R55491
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months 
never had a CCJ 
Suitable for customers: with no Default in the last 36 months never had a CCJ
Pepper36 Light
Product Code: R55241
Pepper36 Light
(Remortgage only)
Product Code: R55250
Pepper36 Light
Product Code: R55238
Pepper36 Light
(Remortgage only)
Product Code: R55247
Pepper36 Light
Product Code: R55235
Pepper36 Light
(Remortgage only)
Product Code: R55244
Pepper36 Light
Product Code: R30683
Pepper36 Light
(Remortgage only)
Product Code: R30686
Pepper36 Light
Product Code: R25537
Pepper36 Light
(Remortgage only)
Product Code: R25546
Pepper36 Light
Product Code: R25534
Pepper36 Light
(Remortgage only)
Product Code: R25543
Pepper36 Light
Product Code: R25531
Pepper36 Light
(Remortgage only)
Product Code: R25540
Pepper36 Light
Product Code: R55242
Pepper36 Light
(Remortgage only)
Product Code: R55251
Pepper36 Light
Product Code: R55239
Pepper36 Light
(Remortgage only)
Product Code: R55248
Pepper36 Light
Product Code: R55236
Pepper36 Light
(Remortgage only)
Product Code: R55245
Pepper36 Light
Product Code: R30684
Pepper36 Light
(Remortgage only)
Product Code: R30687
Pepper36 Light
Product Code: R25538
Pepper36 Light
(Remortgage only)
Product Code: R25547
Pepper36 Light
Product Code: R25535
Pepper36 Light
(Remortgage only)
Product Code: R25544
Pepper36 Light
Product Code: R25532
Pepper36 Light
(Remortgage only)
Product Code: R25541
Pepper36 Light
Product Code: R55243
Pepper36 Light
(Remortgage only)
Product Code: R55252
Pepper36 Light
Product Code: R55240
Pepper36 Light
(Remortgage only)
Product Code: R55249
Pepper36 Light
Product Code: R55237
Pepper36 Light
(Remortgage only)
Product Code: R55246
Pepper36 Light
Product Code: R30685
Pepper36 Light
(Remortgage only)
Product Code: R30688
Pepper36 Light
Product Code: R25539
Pepper36 Light
(Remortgage only)
Product Code: R25548
Pepper36 Light
Product Code: R25536
Pepper36 Light
(Remortgage only)
Product Code: R25545
Pepper36 Light
Product Code: R25533
Pepper36 Light
(Remortgage only)
Product Code: R25542
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months 
no CCJ in the last 36 months 
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36
Product Code: R55259
Pepper36
(Remortgage only)
Product Code: R55268
Pepper36
Product Code: R55256
Pepper36
(Remortgage only)
Product Code: R55265
Pepper36
Product Code: R55253
Pepper36
(Remortgage only)
Product Code: R55262
Pepper36
Product Code: R30689
Pepper36
(Remortgage only)
Product Code: R30692
Pepper36
Product Code: R25555
Pepper36
(Remortgage only)
Product Code: R25564
Pepper36
Product Code: R25552
Pepper36
(Remortgage only)
Product Code: R25561
Pepper36
Product Code: R25549
Pepper36
(Remortgage only)
Product Code: R25558
Pepper36
Product Code: R55260
Pepper36
(Remortgage only)
Product Code: R55269
Pepper36
Product Code: R55257
Pepper36
(Remortgage only)
Product Code: R55266
Pepper36
Product Code: R55254
Pepper36
(Remortgage only)
Product Code: R55263
Pepper36
Product Code: R30690
Pepper36
(Remortgage only)
Product Code: R30693
Pepper36
Product Code: R25556
Pepper36
(Remortgage only)
Product Code: R25565
Pepper36
Product Code: R25553
Pepper36
(Remortgage only)
Product Code: R25562
Pepper36
Product Code: R25550
Pepper36
(Remortgage only)
Product Code: R25559
Pepper36
Product Code: R55261
Pepper36
(Remortgage only)
Product Code: R55270
Pepper36
Product Code: R55258
Pepper36
(Remortgage only)
Product Code: R55267
Pepper36
Product Code: R55255
Pepper36
(Remortgage only)
Product Code: R55264
Pepper36
Product Code: R30691
Pepper36
(Remortgage only)
Product Code: R30694
Pepper36
Product Code: R25557
Pepper36
(Remortgage only)
Product Code: R25566
Pepper36
Product Code: R25554
Pepper36
(Remortgage only)
Product Code: R25563
Pepper36
Product Code: R25551
Pepper36
(Remortgage only)
Product Code: R25560
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months 
never had a CCJ 
Suitable for customers: with no Default in the last 24 months never had a CCJ
Pepper24 Light
Product Code: R55277
Pepper24 Light
(Remortgage only)
Product Code: R55286
Pepper24 Light
Product Code: R55274
Pepper24 Light
(Remortgage only)
Product Code: R55283
Pepper24 Light
Product Code: R55271
Pepper24 Light
(Remortgage only)
Product Code: R55280
Pepper24 Light
Product Code: R30695
Pepper24 Light
(Remortgage only)
Product Code: R30698
Pepper24 Light
Product Code: R25573
Pepper24 Light
(Remortgage only)
Product Code: R25582
Pepper24 Light
Product Code: R25570
Pepper24 Light
(Remortgage only)
Product Code: R25579
Pepper24 Light
Product Code: R25567
Pepper24 Light
(Remortgage only)
Product Code: R25576
Pepper24 Light
Product Code: R55278
Pepper24 Light
(Remortgage only)
Product Code: R55287
Pepper24 Light
Product Code: R55275
Pepper24 Light
(Remortgage only)
Product Code: R55284
Pepper24 Light
Product Code: R55272
Pepper24 Light
(Remortgage only)
Product Code: R55281
Pepper24 Light
Product Code: R30696
Pepper24 Light
(Remortgage only)
Product Code: R30699
Pepper24 Light
Product Code: R25574
Pepper24 Light
(Remortgage only)
Product Code: R25583
Pepper24 Light
Product Code: R25571
Pepper24 Light
(Remortgage only)
Product Code: R25580
Pepper24 Light
Product Code: R25568
Pepper24 Light
(Remortgage only)
Product Code: R25577
Pepper24 Light
Product Code: R55279
Pepper24 Light
(Remortgage only)
Product Code: R55288
Pepper24 Light
Product Code: R55276
Pepper24 Light
(Remortgage only)
Product Code: R55285
Pepper24 Light
Product Code: R55273
Pepper24 Light
(Remortgage only)
Product Code: R55282
Pepper24 Light
Product Code: R30697
Pepper24 Light
(Remortgage only)
Product Code: R30700
Pepper24 Light
Product Code: R25575
Pepper24 Light
(Remortgage only)
Product Code: R25584
Pepper24 Light
Product Code: R25572
Pepper24 Light
(Remortgage only)
Product Code: R25581
Pepper24 Light
Product Code: R25569
Pepper24 Light
(Remortgage only)
Product Code: R25578
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months 
no CCJ in the last 24 months 
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24
Product Code: R55295
Pepper24
(Remortgage only)
Product Code: R55304
Pepper24
Product Code: R55292
Pepper24
(Remortgage only)
Product Code: R55301
Pepper24
Product Code: R55289
Pepper24
(Remortgage only)
Product Code: R55298
Pepper24
Product Code: R30701
Pepper24
(Remortgage only)
Product Code: R30704
Pepper24
Product Code: R25591
Pepper24
(Remortgage only)
Product Code: R25600
Pepper24
Product Code: R25588
Pepper24
(Remortgage only)
Product Code: R25597
Pepper24
Product Code: R25585
Pepper24
(Remortgage only)
Product Code: R25594
Pepper24
Product Code: R55296
Pepper24
(Remortgage only)
Product Code: R55305
Pepper24
Product Code: R55293
Pepper24
(Remortgage only)
Product Code: R55302
Pepper24
Product Code: R55290
Pepper24
(Remortgage only)
Product Code: R55299
Pepper24
Product Code: R30702
Pepper24
(Remortgage only)
Product Code: R30705
Pepper24
Product Code: R25592
Pepper24
(Remortgage only)
Product Code: R25601
Pepper24
Product Code: R25589
Pepper24
(Remortgage only)
Product Code: R25598
Pepper24
Product Code: R25586
Pepper24
(Remortgage only)
Product Code: R25595
Pepper24
Product Code: R55297
Pepper24
(Remortgage only)
Product Code: R55306
Pepper24
Product Code: R55294
Pepper24
(Remortgage only)
Product Code: R55303
Pepper24
Product Code: R55291
Pepper24
(Remortgage only)
Product Code: R55300
Pepper24
Product Code: R30703
Pepper24
(Remortgage only)
Product Code: R30706
Pepper24
Product Code: R25593
Pepper24
(Remortgage only)
Product Code: R25602
Pepper24
Product Code: R25590
Pepper24
(Remortgage only)
Product Code: R25599
Pepper24
Product Code: R25587
Pepper24
(Remortgage only)
Product Code: R25596
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months 
never had a CCJ 
Suitable for customers: with no Default in the last 18 months never had a CCJ
Pepper18 Light
Product Code: R55315
Pepper18 Light
(Remortgage only)
Product Code: R55327
Pepper18 Light
Product Code: R55311
Pepper18 Light
(Remortgage only)
Product Code: R55323
Pepper18 Light
Product Code: R55307
Pepper18 Light
(Remortgage only)
Product Code: R55319
Pepper18 Light
Product Code: R25611
Pepper18 Light
(Remortgage only)
Product Code: R25623
Pepper18 Light
Product Code: R25607
Pepper18 Light
(Remortgage only)
Product Code: R25619
Pepper18 Light
Product Code: R25603
Pepper18 Light
(Remortgage only)
Product Code: R25615
Pepper18 Light
Product Code: R55316
Pepper18 Light
(Remortgage only)
Product Code: R55328
Pepper18 Light
Product Code: R55312
Pepper18 Light
(Remortgage only)
Product Code: R55324
Pepper18 Light
Product Code: R55308
Pepper18 Light
(Remortgage only)
Product Code: R55320
Pepper18 Light
Product Code: R25612
Pepper18 Light
(Remortgage only)
Product Code: R25624
Pepper18 Light
Product Code: R25608
Pepper18 Light
(Remortgage only)
Product Code: R25620
Pepper18 Light
Product Code: R25604
Pepper18 Light
(Remortgage only)
Product Code: R25616
Pepper18 Light
Product Code: R55317
Pepper18 Light
(Remortgage only)
Product Code: R55329
Pepper18 Light
Product Code: R55313
Pepper18 Light
(Remortgage only)
Product Code: R55325
Pepper18 Light
Product Code: R55309
Pepper18 Light
(Remortgage only)
Product Code: R55321
Pepper18 Light
Product Code: R25613
Pepper18 Light
(Remortgage only)
Product Code: R25625
Pepper18 Light
Product Code: R25609
Pepper18 Light
(Remortgage only)
Product Code: R25621
Pepper18 Light
Product Code: R25605
Pepper18 Light
(Remortgage only)
Product Code: R25617
Pepper18 Light
Product Code: R55318
Pepper18 Light
(Remortgage only)
Product Code: R55330
Pepper18 Light
Product Code: R55314
Pepper18 Light
(Remortgage only)
Product Code: R55326
Pepper18 Light
Product Code: R55310
Pepper18 Light
(Remortgage only)
Product Code: R55322
Pepper18 Light
Product Code: R25614
Pepper18 Light
(Remortgage only)
Product Code: R25626
Pepper18 Light
Product Code: R25610
Pepper18 Light
(Remortgage only)
Product Code: R25622
Pepper18 Light
Product Code: R25606
Pepper18 Light
(Remortgage only)
Product Code: R25618
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months 
no CCJ in the last 18 months 
Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Pepper18
Product Code: R55339
Pepper18
(Remortgage only)
Product Code: R55351
Pepper18
Product Code: R55335
Pepper18
(Remortgage only)
Product Code: R55347
Pepper18
Product Code: R55331
Pepper18
(Remortgage only)
Product Code: R55343
Pepper18
Product Code: R25635
Pepper18
(Remortgage only)
Product Code: R25647
Pepper18
Product Code: R25631
Pepper18
(Remortgage only)
Product Code: R25643
Pepper18
Product Code: R25627
Pepper18
(Remortgage only)
Product Code: R25639
Pepper18
Product Code: R55340
Pepper18
(Remortgage only)
Product Code: R55352
Pepper18
Product Code: R55336
Pepper18
(Remortgage only)
Product Code: R55348
Pepper18
Product Code: R55332
Pepper18
(Remortgage only)
Product Code: R55344
Pepper18
Product Code: R25636
Pepper18
(Remortgage only)
Product Code: R25648
Pepper18
Product Code: R25632
Pepper18
(Remortgage only)
Product Code: R25644
Pepper18
Product Code: R25628
Pepper18
(Remortgage only)
Product Code: R25640
Pepper18
Product Code: R55341
Pepper18
(Remortgage only)
Product Code: R55353
Pepper18
Product Code: R55337
Pepper18
(Remortgage only)
Product Code: R55349
Pepper18
Product Code: R55333
Pepper18
(Remortgage only)
Product Code: R55345
Pepper18
Product Code: R25637
Pepper18
(Remortgage only)
Product Code: R25649
Pepper18
Product Code: R25633
Pepper18
(Remortgage only)
Product Code: R25645
Pepper18
Product Code: R25629
Pepper18
(Remortgage only)
Product Code: R25641
Pepper18
Product Code: R55342
Pepper18
(Remortgage only)
Product Code: R55354
Pepper18
Product Code: R55338
Pepper18
(Remortgage only)
Product Code: R55350
Pepper18
Product Code: R55334
Pepper18
(Remortgage only)
Product Code: R55346
Pepper18
Product Code: R25638
Pepper18
(Remortgage only)
Product Code: R25650
Pepper18
Product Code: R25634
Pepper18
(Remortgage only)
Product Code: R25646
Pepper18
Product Code: R25630
Pepper18
(Remortgage only)
Product Code: R25642
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months 
never had a CCJ 
Suitable for customers: with no Default in the last 12 months never had a CCJ
Pepper12 Light
Product Code: R55363
Pepper12 Light
(Remortgage only)
Product Code: R55375
Pepper12 Light
Product Code: R55359
Pepper12 Light
(Remortgage only)
Product Code: R55371
Pepper12 Light
Product Code: R55355
Pepper12 Light
(Remortgage only)
Product Code: R55367
Pepper12 Light
Product Code: R25659
Pepper12 Light
(Remortgage only)
Product Code: R25671
Pepper12 Light
Product Code: R25655
Pepper12 Light
(Remortgage only)
Product Code: R25667
Pepper12 Light
Product Code: R25651
Pepper12 Light
(Remortgage only)
Product Code: R25663
Pepper12 Light
Product Code: R55364
Pepper12 Light
(Remortgage only)
Product Code: R55376
Pepper12 Light
Product Code: R55360
Pepper12 Light
(Remortgage only)
Product Code: R55372
Pepper12 Light
Product Code: R55356
Pepper12 Light
(Remortgage only)
Product Code: R55368
Pepper12 Light
Product Code: R25660
Pepper12 Light
(Remortgage only)
Product Code: R25672
Pepper12 Light
Product Code: R25656
Pepper12 Light
(Remortgage only)
Product Code: R25668
Pepper12 Light
Product Code: R25652
Pepper12 Light
(Remortgage only)
Product Code: R25664
Pepper12 Light
Product Code: R55365
Pepper12 Light
(Remortgage only)
Product Code: R55377
Pepper12 Light
Product Code: R55361
Pepper12 Light
(Remortgage only)
Product Code: R55373
Pepper12 Light
Product Code: R55357
Pepper12 Light
(Remortgage only)
Product Code: R55369
Pepper12 Light
Product Code: R25661
Pepper12 Light
(Remortgage only)
Product Code: R25673
Pepper12 Light
Product Code: R25657
Pepper12 Light
(Remortgage only)
Product Code: R25669
Pepper12 Light
Product Code: R25653
Pepper12 Light
(Remortgage only)
Product Code: R25665
Pepper12 Light
Product Code: R55366
Pepper12 Light
(Remortgage only)
Product Code: R55378
Pepper12 Light
Product Code: R55362
Pepper12 Light
(Remortgage only)
Product Code: R55374
Pepper12 Light
Product Code: R55358
Pepper12 Light
(Remortgage only)
Product Code: R55370
Pepper12 Light
Product Code: R25662
Pepper12 Light
(Remortgage only)
Product Code: R25674
Pepper12 Light
Product Code: R25658
Pepper12 Light
(Remortgage only)
Product Code: R25670
Pepper12 Light
Product Code: R25654
Pepper12 Light
(Remortgage only)
Product Code: R25666
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months 
no CCJ in the last 12 months 
Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Pepper12
Product Code: R55387
Pepper12
(Remortgage only)
Product Code: R55399
Pepper12
Product Code: R55383
Pepper12
(Remortgage only)
Product Code: R55395
Pepper12
Product Code: R55379
Pepper12
(Remortgage only)
Product Code: R55391
Pepper12
Product Code: R25683
Pepper12
(Remortgage only)
Product Code: R25695
Pepper12
Product Code: R25679
Pepper12
(Remortgage only)
Product Code: R25691
Pepper12
Product Code: R25675
Pepper12
(Remortgage only)
Product Code: R25687
Pepper12
Product Code: R55388
Pepper12
(Remortgage only)
Product Code: R55400
Pepper12
Product Code: R55384
Pepper12
(Remortgage only)
Product Code: R55396
Pepper12
Product Code: R55380
Pepper12
(Remortgage only)
Product Code: R55392
Pepper12
Product Code: R25684
Pepper12
(Remortgage only)
Product Code: R25696
Pepper12
Product Code: R25680
Pepper12
(Remortgage only)
Product Code: R25692
Pepper12
Product Code: R25676
Pepper12
(Remortgage only)
Product Code: R25688
Pepper12
Product Code: R55389
Pepper12
(Remortgage only)
Product Code: R55401
Pepper12
Product Code: R55385
Pepper12
(Remortgage only)
Product Code: R55397
Pepper12
Product Code: R55381
Pepper12
(Remortgage only)
Product Code: R55393
Pepper12
Product Code: R25685
Pepper12
(Remortgage only)
Product Code: R25697
Pepper12
Product Code: R25681
Pepper12
(Remortgage only)
Product Code: R25693
Pepper12
Product Code: R25677
Pepper12
(Remortgage only)
Product Code: R25689
Pepper12
Product Code: R55390
Pepper12
(Remortgage only)
Product Code: R55402
Pepper12
Product Code: R55386
Pepper12
(Remortgage only)
Product Code: R55398
Pepper12
Product Code: R55382
Pepper12
(Remortgage only)
Product Code: R55394
Pepper12
Product Code: R25686
Pepper12
(Remortgage only)
Product Code: R25698
Pepper12
Product Code: R25682
Pepper12
(Remortgage only)
Product Code: R25694
Pepper12
Product Code: R25678
Pepper12
(Remortgage only)
Product Code: R25690
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper6 LightSuitable for customers: with no Default in the last 6 months 
never had a CCJ 
Suitable for customers: with no Default in the last 6 months never had a CCJ
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R55409
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55418
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R55406
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55415
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R55403
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55412
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R25705
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25714
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R25702
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25711
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R25699
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25708
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R55410
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55419
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R55407
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55416
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R55404
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55413
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R25706
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25715
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R25703
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25712
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R25700
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25709
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R55411
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55420
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R55408
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55417
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R55405
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55414
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R25707
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25716
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R25704
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25713
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R25701
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25710
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper6Suitable for customers: with no Default in the last 6 months 
no CCJ in the last 6 months 
Suitable for customers: with no Default in the last 6 months no CCJ in the last 6 months
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R55427
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55436
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R55424
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55433
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R55421
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55430
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R25723
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25732
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R25720
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25729
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R25717
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25726
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R55428
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55437
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R55425
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55434
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R55422
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55431
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R25724
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25733
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R25721
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25730
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R25718
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25727
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R55429
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55438
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R55426
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55435
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R55423
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R55432
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R25725
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25734
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R25722
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25731
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R25719
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R25728
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Try our Residential affordability calculator
Existing Customers (Remortgages only)
Pepper48 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 48 months 
never had a CCJ 
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR50219
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR20219
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR50220
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR20220
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR50221
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR20221
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 36 months 
no CCJ in the last 36 months 
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR50222
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR20222
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR50223
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR20223
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR50224
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR20224
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 24 months 
no CCJ in the last 24 months 
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR50225
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR20225
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR50226
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR20226
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR50227
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR20227
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
DMP (Debt Management Plan)
Pepper24 DMPSuitable for customers: with no Default in the last 24 months 
no CCJ in the last 24 months 
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 DMP
(Remortgage only)
Product Code: RD50997
Pepper24 DMP
Product Code: RD51003
Pepper24 DMP
(Remortgage only)
Product Code: RD50994
Pepper24 DMP
Product Code: RD51000
Pepper24 DMP
(Remortgage only)
Product Code: RD30103
Pepper24 DMP
Product Code: RD30106
Pepper24 DMP
(Remortgage only)
Product Code: RD21107
Pepper24 DMP
Product Code: RD21113
Pepper24 DMP
(Remortgage only)
Product Code: RD21104
Pepper24 DMP
Product Code: RD21110
Pepper24 DMP
(Remortgage only)
Product Code: RD50998
Pepper24 DMP
Product Code: RD51004
Pepper24 DMP
(Remortgage only)
Product Code: RD50995
Pepper24 DMP
Product Code: RD51001
Pepper24 DMP
(Remortgage only)
Product Code: RD30104
Pepper24 DMP
Product Code: RD30107
Pepper24 DMP
(Remortgage only)
Product Code: RD21108
Pepper24 DMP
Product Code: RD21114
Pepper24 DMP
(Remortgage only)
Product Code: RD21105
Pepper24 DMP
Product Code: RD21111
Pepper24 DMP
(Remortgage only)
Product Code: RD50999
Pepper24 DMP
Product Code: RD51005
Pepper24 DMP
(Remortgage only)
Product Code: RD50996
Pepper24 DMP
Product Code: RD51002
Pepper24 DMP
(Remortgage only)
Product Code: RD30105
Pepper24 DMP
Product Code: RD30108
Pepper24 DMP
(Remortgage only)
Product Code: RD21109
Pepper24 DMP
Product Code: RD21115
Pepper24 DMP
(Remortgage only)
Product Code: RD21106
Pepper24 DMP
Product Code: RD21112
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | For active DMPs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Pepper18 DMPSuitable for customers: with no Default in the last 18 months 
no CCJ in the last 18 months 
Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Pepper18 DMP
(Remortgage only)
Product Code: RD51010
Pepper18 DMP
Product Code: RD51018
Pepper18 DMP
(Remortgage only)
Product Code: RD51006
Pepper18 DMP
Product Code: RD51014
Pepper18 DMP
(Remortgage only)
Product Code: RD30109
Pepper18 DMP
Product Code: RD30113
Pepper18 DMP
(Remortgage only)
Product Code: RD21120
Pepper18 DMP
Product Code: RD21128
Pepper18 DMP
(Remortgage only)
Product Code: RD21116
Pepper18 DMP
Product Code: RD21124
Pepper18 DMP
(Remortgage only)
Product Code: RD51011
Pepper18 DMP
Product Code: RD51019
Pepper18 DMP
(Remortgage only)
Product Code: RD51007
Pepper18 DMP
Product Code: RD51015
Pepper18 DMP
(Remortgage only)
Product Code: RD30110
Pepper18 DMP
Product Code: RD30114
Pepper18 DMP
(Remortgage only)
Product Code: RD21121
Pepper18 DMP
Product Code: RD21129
Pepper18 DMP
(Remortgage only)
Product Code: RD21117
Pepper18 DMP
Product Code: RD21125
Pepper18 DMP
(Remortgage only)
Product Code: RD51012
Pepper18 DMP
Product Code: RD51020
Pepper18 DMP
(Remortgage only)
Product Code: RD51008
Pepper18 DMP
Product Code: RD51016
Pepper18 DMP
(Remortgage only)
Product Code: RD30111
Pepper18 DMP
Product Code: RD30115
Pepper18 DMP
(Remortgage only)
Product Code: RD21122
Pepper18 DMP
Product Code: RD21130
Pepper18 DMP
(Remortgage only)
Product Code: RD21118
Pepper18 DMP
Product Code: RD21126
Pepper18 DMP
(Remortgage only)
Product Code: RD51013
Pepper18 DMP
Product Code: RD51021
Pepper18 DMP
(Remortgage only)
Product Code: RD51009
Pepper18 DMP
Product Code: RD51017
Pepper18 DMP
(Remortgage only)
Product Code: RD30112
Pepper18 DMP
Product Code: RD30116
Pepper18 DMP
(Remortgage only)
Product Code: RD21123
Pepper18 DMP
Product Code: RD21131
Pepper18 DMP
(Remortgage only)
Product Code: RD21119
Pepper18 DMP
Product Code: RD21127
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | For active DMPs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Pepper12 DMPSuitable for customers: with no Default in the last 12 months 
no CCJ in the last 12 months 
Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Pepper12 DMP
(Remortgage only)
Product Code: RD51026
Pepper12 DMP
Product Code: RD51034
Pepper12 DMP
(Remortgage only)
Product Code: RD51022
Pepper12 DMP
Product Code: RD51030
Pepper12 DMP
(Remortgage only)
Product Code: RD30117
Pepper12 DMP
Product Code: RD30121
Pepper12 DMP
(Remortgage only)
Product Code: RD21136
Pepper12 DMP
Product Code: RD21144
Pepper12 DMP
(Remortgage only)
Product Code: RD21132
Pepper12 DMP
Product Code: RD21140
Pepper12 DMP
(Remortgage only)
Product Code: RD51027
Pepper12 DMP
Product Code: RD51035
Pepper12 DMP
(Remortgage only)
Product Code: RD51023
Pepper12 DMP
Product Code: RD51031
Pepper12 DMP
(Remortgage only)
Product Code: RD30118
Pepper12 DMP
Product Code: RD30122
Pepper12 DMP
(Remortgage only)
Product Code: RD21137
Pepper12 DMP
Product Code: RD21145
Pepper12 DMP
(Remortgage only)
Product Code: RD21133
Pepper12 DMP
Product Code: RD21141
Pepper12 DMP
(Remortgage only)
Product Code: RD51028
Pepper12 DMP
Product Code: RD51036
Pepper12 DMP
(Remortgage only)
Product Code: RD51024
Pepper12 DMP
Product Code: RD51032
Pepper12 DMP
(Remortgage only)
Product Code: RD30119
Pepper12 DMP
Product Code: RD30123
Pepper12 DMP
(Remortgage only)
Product Code: RD21138
Pepper12 DMP
Product Code: RD21146
Pepper12 DMP
(Remortgage only)
Product Code: RD21134
Pepper12 DMP
Product Code: RD21142
Pepper12 DMP
(Remortgage only)
Product Code: RD51029
Pepper12 DMP
Product Code: RD51037
Pepper12 DMP
(Remortgage only)
Product Code: RD51025
Pepper12 DMP
Product Code: RD51033
Pepper12 DMP
(Remortgage only)
Product Code: RD30120
Pepper12 DMP
Product Code: RD30124
Pepper12 DMP
(Remortgage only)
Product Code: RD21139
Pepper12 DMP
Product Code: RD21147
Pepper12 DMP
(Remortgage only)
Product Code: RD21135
Pepper12 DMP
Product Code: RD21143
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | For active DMPs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Bankruptcy & IVA
Pepper24 Bankruptcy and IVASuitable for customers: that have a satisfied Bankruptcy Order 
or Individual Voluntary Arrangement over 3 year ago 
Suitable for customers: that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 year ago
Pepper24 Bankruptcy and IVA
Product Code: RB50041
Pepper24 Bankruptcy and IVA
Product Code: RB20041
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 3 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 Bankruptcy and IVASuitable for customers: that have a satisfied Bankruptcy Order 
or Individual Voluntary Arrangement over 3 year ago 
Suitable for customers: that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 year ago
Pepper12 Bankruptcy and IVA
Product Code: RB50042
Pepper12 Bankruptcy and IVA
Product Code: RB20042
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 3 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Residential Criteria
| Applicant Details | |
|---|---|
| Minimum Age | 21 years |
| Maximum Age | 80 years at end of term. The term cannot extend beyond applicants stated retirement age. Maximum allowable stated retirement age of 75 |
| Maximum Applicants | 2 |
| Employed | Minimum of 3 months in current job with 6 months' continuous employment and not in probation. Evidence of employment history is required to cover last 6 months |
| Self-Employed | Must have been in their current business for a minimum of 12 months and able to supply 1 year's trading accounts |
| Loan Size | |
|---|---|
| Loan Size | |
| Minimum | £25,001 |
| Maximum | Up to £1million available to 75% LTV Up to £750,000 available to 85% LTV |
| Repayment | |
| Repayment | Captial & Interest. Interest only to 60%, supported by an acceptable repayment strategy |
| Property Value | |
| Minimum | £70,000 |
| Term | |
| Minimum | 5 years and 1 month |
| Maximum | 40 years |
Affordability Calculator
How much could we lend your customers?
It’s easy to find out. Simply tell us their basic information to get a maximum loan amount.
For a more comprehensive result, include their commitments and expenditure.
Applicant One
Applicant Two
Applicant One
Applicant Two
Final results
We’re currently reviewing all applications to ensure the income is sustainable in current market conditions. Based on the information provided please find details below on what your customer(s) could borrow with us.
| Indicative maximum available subject to a DIP | |
|---|---|
| 2 Year Fixed: | £150,000.00 |
| 5 Year Fixed: | £200,000.00 |
| Basic Information | |||
|---|---|---|---|
| Number of Applicants: | Number of Children: | ||
| Required loan amount: | Repayment Type: | ||
| Term: | Years | Product: |
| Income Applicant One | |
|---|---|
| Primary Annual Income | |
| Secondary Annual Income | |
| Annual Overtime | |
| Annual Bonus or Commission | |
| Car Allowance | |
| Maintenance Income (calculated at 50%) | |
| Rental Income (calculated at 50%) | |
| Allowable Income | |
| Total | |
| Commitments Applicant One | |
|---|---|
| Mortgages or secured loans | |
| Unsecured loans or hire purchase | |
| Credit or store cards Balance | |
| Overdraft arrangements Balance | |
| School fees | |
| Maintenance | |
| Student loans | |
| Other | |
| Total monthly commitments | |
| Expenditure | |
|---|---|
| Housekeeping | |
| Utilities | |
| Telephone | |
| Council tax | |
| Buildings insurance | |
| Ground rent | |
| Leasehold service charges | |
| Essential travel | |
| Clothing | |
| Personal goods | |
| Household goods | |
| Basic recreation | |
| Total | |
Important notice
Based on the information entered, an underwriter will carry out a full review at Decision in Principle. Please complete the DIP to confirm the maximum loan amount available.
These results are indicative and are meant to be used as a guide only. Should you wish to submit a DIP, it'll be subject to our full lending criteria, a credit check and an underwriter review which could result in a different value.
Please note by changing the loan amount figure you may change the loan to value. This may change the interest rate charged. If you're going to change any details we strongly recommend you start a new calculation to ensure it is as accurate as possible.
Before submitting business to us, you’ll need to register with us. It’s a quick and simple process and shouldn’t take more than 5 minutes.
If you've already registered, please Login and complete our online application form.
If you have any questions, call our team on 03333 701 101 option 1, Monday to Friday between 9am and 5pm.
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To discuss a case, or find out more about our products, call our experienced team. Ready to submit? Log into the application portal to get started, or register if it’s your first case with Pepper Money.
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