Residential Mortgage Tables
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, existing homeowners looking to consolidate their debts and existing customers wishing to stay with Pepper. Our range of specialist mortgages could be the answer.
Our product range is structured around your customer’s most recent financial event including CCJs, defaults and secured missed payments.
Up to 85% LTV
Available up to 85% LTV including on our Pepper 36 Light range
Unsecured Credit
Unsecured credit never affects product tier
No value limits
No value limit on CCJs and defaults; no need for them to be satisfied
Interest Only Options
Interest only up to 60% LTV with no amendments to criteria
Helping self-employed
One year’s self-employed trading accepted
Wide age brackets
Earned income accepted to age 75
Residential Mortgage Tables Rates & Criteria
- For Intermediary use only
- March 2024
- LMR = 6.15% (As of 15th November 2023)
We’ve updated our Residential Mortgage Product tables to make them more accessible and include individual product pages with an easy print view.
- For Intermediary use only
- March 2024
- LMR = 6.15% (As of 15th November 2023)
Pepper
Residential
Pepper48 Light- Suitable for customers that haven’t had a Default in the last 48 months and who have never had a CCJ
Pepper48 - Suitable for customers that haven’t had a CCJ or Default in the last 48 months
Pepper36 Light - Suitable for customers that haven’t had a Default in the last 36 months and who have never had a CCJ
Pepper36 - Suitable for customers that haven’t had a CCJ or Default in the last 36 months
Pepper24 Light - Suitable for customers that haven’t had a Default in the last 24 months and who have never had a CCJ
Pepper24 - Suitable for customers that haven’t had a CCJ or Default in the last 24 months
Pepper18 Light - Suitable for customers that haven’t had a Default in the last 18 months and who have never had a CCJ
Pepper18 - Suitable for customers that haven’t had a CCJ or Default in the last 18 months
Pepper12 Light - Suitable for customers that haven’t had a Default in the last 12 months and who have never had a CCJ
Pepper12 - Suitable for customers that haven’t had a CCJ or Default in the last 12 months
Pepper6 Light - Suitable for customers that haven’t had a Default in the last 6 months and who have never had a CCJ
Pepper6 - Suitable for customers that haven’t had a CCJ or Default in the last 6 months
Pepper
Existing Customers
Pepper48 Existing Customer - Suitable for customers that haven’t had a CCJ or Default in the last 48 months
Pepper36 Existing Customer - Suitable for customers that haven’t had a CCJ or Default in the last 36 months
Pepper24 Existing Customer - Suitable for customers that haven’t had a CCJ or Default in the last 24 months
Pepper
DMP (Debt Management Plan)
Pepper24 DMP - Suitable for customers that haven’t had a CCJ or Default in the last 24 months
Pepper18 DMP - Suitable for customers that haven’t had a CCJ or Default in the last 18 months
Pepper12 DMP - Suitable for customers that haven’t had a CCJ or Default in the last 12 months
Pepper
Bankruptcy & IVA
Pepper24 Bankruptcy and IVA - Suitable for customers that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 years ago
Pepper12 Bankruptcy and IVA - Suitable for customers that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 years ago
Pepper
Residential Criteria
Key Criteria
Try our residential affordability calculator
Looking to find out how much your client could borrow? Our residential calculator has been built with you in mind.
Resources
Our Residential Intermediary tool kit has all the information you need
Product Guides
Criteria Guides
Packaging
Downloads
Need help with your mortgage case?
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.