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
- February 2026
- LMR = 4.25% (As of 15th January 2026)
Residential - Remortgage Only Limited Edition
Pepper48 Light Remortgage Only 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 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26461
Pepper48 Light Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26467
Pepper48 Light Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26462
Pepper48 Light Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26468
Pepper48 Light Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26463
Pepper48 Light Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26469
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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 Remortage Only 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 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26464
Pepper48 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26470
Pepper48 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26465
Pepper48 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26471
Pepper48 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26466
Pepper48 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26472
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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 - 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: R56185
Pepper48 Light Special
Limited Edition
(Remortgage only)
Product Code: R56187
Pepper48 Light Special
Limited Edition
Product Code: R26481
Pepper48 Light Special
Limited Edition
(Remortgage only)
Product Code: R26483
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56186
Pepper48 Special
Limited Edition
(Remortgage only)
Product Code: R56188
Pepper48 Special
Limited Edition
Product Code: R26482
Pepper48 Special
Limited Edition
(Remortgage only)
Product Code: R26484
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56189
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56195
Pepper48 Light
Limited Edition
Product Code: R56190
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56196
Pepper48 Light
Limited Edition
Product Code: R56191
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56197
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56192
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56198
Pepper48
Limited Edition
Product Code: R56193
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56199
Pepper48
Limited Edition
Product Code: R56194
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56200
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56147
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56153
Pepper48 Light
Limited Edition
Product Code: R56146
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56152
Pepper48 Light
Limited Edition
Product Code: R56145
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56151
Pepper48 Light
Limited Edition
Product Code: R26423
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R26429
Pepper48 Light
Limited Edition
Product Code: R26422
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R26428
Pepper48 Light
Limited Edition
Product Code: R26421
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R26427
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56150
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56156
Pepper48
Limited Edition
Product Code: R56149
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56155
Pepper48
Limited Edition
Product Code: R56148
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56154
Pepper48
Limited Edition
Product Code: R26426
Pepper48
Limited Edition
(Remortgage only)
Product Code: R26432
Pepper48
Limited Edition
Product Code: R26425
Pepper48
Limited Edition
(Remortgage only)
Product Code: R26431
Pepper48
Limited Edition
Product Code: R26424
Pepper48
Limited Edition
(Remortgage only)
Product Code: R26430
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56215
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R56221
Pepper36 Light
Limited Edition
Product Code: R56214
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R56220
Pepper36 Light
Limited Edition
Product Code: R56213
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R56219
Pepper36 Light
Limited Edition
Product Code: R26487
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R26493
Pepper36 Light
Limited Edition
Product Code: R26486
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R26492
Pepper36 Light
Limited Edition
Product Code: R26485
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R26491
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56218
Pepper36
Limited Edition
(Remortgage only)
Product Code: R56224
Pepper36
Limited Edition
Product Code: R56217
Pepper36
Limited Edition
(Remortgage only)
Product Code: R56223
Pepper36
Limited Edition
Product Code: R56216
Pepper36
Limited Edition
(Remortgage only)
Product Code: R56222
Pepper36
Limited Edition
Product Code: R26490
Pepper36
Limited Edition
(Remortgage only)
Product Code: R26496
Pepper36
Limited Edition
Product Code: R26489
Pepper36
Limited Edition
(Remortgage only)
Product Code: R26495
Pepper36
Limited Edition
Product Code: R26488
Pepper36
Limited Edition
(Remortgage only)
Product Code: R26494
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R55747
Pepper48 Light
(Remortgage only)
Product Code: R55767
Pepper48 Light
Product Code: R55744
Pepper48 Light
(Remortgage only)
Product Code: R55764
Pepper48 Light
Product Code: R55741
Pepper48 Light
(Remortgage only)
Product Code: R55761
Pepper48 Light
Product Code: R30719
Pepper48 Light
(Remortgage only)
Product Code: R30725
Pepper48 Light
Product Code: R26027
Pepper48 Light
(Remortgage only)
Product Code: R26045
Pepper48 Light
Product Code: R26024
Pepper48 Light
(Remortgage only)
Product Code: R26042
Pepper48 Light
Product Code: R26021
Pepper48 Light
(Remortgage only)
Product Code: R26039
Pepper48 Light
Product Code: R55748
Pepper48 Light
(Remortgage only)
Product Code: R55768
Pepper48 Light
Product Code: R55745
Pepper48 Light
(Remortgage only)
Product Code: R55765
Pepper48 Light
Product Code: R55742
Pepper48 Light
(Remortgage only)
Product Code: R55762
Pepper48 Light
Product Code: R30720
Pepper48 Light
(Remortgage only)
Product Code: R30726
Pepper48 Light
Product Code: R26028
Pepper48 Light
(Remortgage only)
Product Code: R26046
Pepper48 Light
Product Code: R26025
Pepper48 Light
(Remortgage only)
Product Code: R26043
Pepper48 Light
Product Code: R26022
Pepper48 Light
(Remortgage only)
Product Code: R26040
Pepper48 Light
Product Code: R55749
Pepper48 Light
(Remortgage only)
Product Code: R55769
Pepper48 Light
Product Code: R55746
Pepper48 Light
(Remortgage only)
Product Code: R55766
Pepper48 Light
Product Code: R55743
Pepper48 Light
(Remortgage only)
Product Code: R55763
Pepper48 Light
Product Code: R30721
Pepper48 Light
(Remortgage only)
Product Code: R30727
Pepper48 Light
Product Code: R26029
Pepper48 Light
(Remortgage only)
Product Code: R26047
Pepper48 Light
Product Code: R26026
Pepper48 Light
(Remortgage only)
Product Code: R26044
Pepper48 Light
Product Code: R26023
Pepper48 Light
(Remortgage only)
Product Code: R26041
Pepper48 Light
Product Code: R56209
Pepper48 Light
(Remortgage only)
Product Code: R56211
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R55757
Pepper48
(Remortgage only)
Product Code: R55777
Pepper48
Product Code: R55754
Pepper48
(Remortgage only)
Product Code: R55774
Pepper48
Product Code: R55751
Pepper48
(Remortgage only)
Product Code: R55771
Pepper48
Product Code: R30722
Pepper48
(Remortgage only)
Product Code: R30728
Pepper48
Product Code: R26036
Pepper48
(Remortgage only)
Product Code: R26054
Pepper48
Product Code: R26033
Pepper48
(Remortgage only)
Product Code: R26051
Pepper48
Product Code: R26030
Pepper48
(Remortgage only)
Product Code: R26048
Pepper48
Product Code: R55758
Pepper48
(Remortgage only)
Product Code: R55778
Pepper48
Product Code: R55755
Pepper48
(Remortgage only)
Product Code: R55775
Pepper48
Product Code: R55752
Pepper48
(Remortgage only)
Product Code: R55772
Pepper48
Product Code: R30723
Pepper48
(Remortgage only)
Product Code: R30729
Pepper48
Product Code: R26037
Pepper48
(Remortgage only)
Product Code: R26055
Pepper48
Product Code: R26034
Pepper48
(Remortgage only)
Product Code: R26052
Pepper48
Product Code: R26031
Pepper48
(Remortgage only)
Product Code: R26049
Pepper48
Product Code: R55759
Pepper48
(Remortgage only)
Product Code: R55779
Pepper48
Product Code: R55756
Pepper48
(Remortgage only)
Product Code: R55776
Pepper48
Product Code: R55753
Pepper48
(Remortgage only)
Product Code: R55773
Pepper48
Product Code: R30724
Pepper48
(Remortgage only)
Product Code: R30730
Pepper48
Product Code: R26038
Pepper48
(Remortgage only)
Product Code: R26056
Pepper48
Product Code: R26035
Pepper48
(Remortgage only)
Product Code: R26053
Pepper48
Product Code: R26032
Pepper48
(Remortgage only)
Product Code: R26050
Pepper48
Product Code: R56210
Pepper48
(Remortgage only)
Product Code: R56212
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R55811
Pepper36 Light
(Remortgage only)
Product Code: R55829
Pepper36 Light
Product Code: R55808
Pepper36 Light
(Remortgage only)
Product Code: R55826
Pepper36 Light
Product Code: R55805
Pepper36 Light
(Remortgage only)
Product Code: R55823
Pepper36 Light
Product Code: R30731
Pepper36 Light
(Remortgage only)
Product Code: R30737
Pepper36 Light
Product Code: R26087
Pepper36 Light
(Remortgage only)
Product Code: R26105
Pepper36 Light
Product Code: R26084
Pepper36 Light
(Remortgage only)
Product Code: R26102
Pepper36 Light
Product Code: R26081
Pepper36 Light
(Remortgage only)
Product Code: R26099
Pepper36 Light
Product Code: R55812
Pepper36 Light
(Remortgage only)
Product Code: R55830
Pepper36 Light
Product Code: R55809
Pepper36 Light
(Remortgage only)
Product Code: R55827
Pepper36 Light
Product Code: R55806
Pepper36 Light
(Remortgage only)
Product Code: R55824
Pepper36 Light
Product Code: R30732
Pepper36 Light
(Remortgage only)
Product Code: R30738
Pepper36 Light
Product Code: R26088
Pepper36 Light
(Remortgage only)
Product Code: R26106
Pepper36 Light
Product Code: R26085
Pepper36 Light
(Remortgage only)
Product Code: R26103
Pepper36 Light
Product Code: R26082
Pepper36 Light
(Remortgage only)
Product Code: R26100
Pepper36 Light
Product Code: R55813
Pepper36 Light
(Remortgage only)
Product Code: R55831
Pepper36 Light
Product Code: R55810
Pepper36 Light
(Remortgage only)
Product Code: R55828
Pepper36 Light
Product Code: R55807
Pepper36 Light
(Remortgage only)
Product Code: R55825
Pepper36 Light
Product Code: R30733
Pepper36 Light
(Remortgage only)
Product Code: R30739
Pepper36 Light
Product Code: R26089
Pepper36 Light
(Remortgage only)
Product Code: R26107
Pepper36 Light
Product Code: R26086
Pepper36 Light
(Remortgage only)
Product Code: R26104
Pepper36 Light
Product Code: R26083
Pepper36 Light
(Remortgage only)
Product Code: R26101
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R55820
Pepper36
(Remortgage only)
Product Code: R55838
Pepper36
Product Code: R55817
Pepper36
(Remortgage only)
Product Code: R55835
Pepper36
Product Code: R55814
Pepper36
(Remortgage only)
Product Code: R55832
Pepper36
Product Code: R30734
Pepper36
(Remortgage only)
Product Code: R30740
Pepper36
Product Code: R26096
Pepper36
(Remortgage only)
Product Code: R26114
Pepper36
Product Code: R26093
Pepper36
(Remortgage only)
Product Code: R26111
Pepper36
Product Code: R26090
Pepper36
(Remortgage only)
Product Code: R26108
Pepper36
Product Code: R55821
Pepper36
(Remortgage only)
Product Code: R55839
Pepper36
Product Code: R55818
Pepper36
(Remortgage only)
Product Code: R55836
Pepper36
Product Code: R55815
Pepper36
(Remortgage only)
Product Code: R55833
Pepper36
Product Code: R30735
Pepper36
(Remortgage only)
Product Code: R30741
Pepper36
Product Code: R26097
Pepper36
(Remortgage only)
Product Code: R26115
Pepper36
Product Code: R26094
Pepper36
(Remortgage only)
Product Code: R26112
Pepper36
Product Code: R26091
Pepper36
(Remortgage only)
Product Code: R26109
Pepper36
Product Code: R55822
Pepper36
(Remortgage only)
Product Code: R55840
Pepper36
Product Code: R55819
Pepper36
(Remortgage only)
Product Code: R55837
Pepper36
Product Code: R55816
Pepper36
(Remortgage only)
Product Code: R55834
Pepper36
Product Code: R30736
Pepper36
(Remortgage only)
Product Code: R30742
Pepper36
Product Code: R26098
Pepper36
(Remortgage only)
Product Code: R26116
Pepper36
Product Code: R26095
Pepper36
(Remortgage only)
Product Code: R26113
Pepper36
Product Code: R26092
Pepper36
(Remortgage only)
Product Code: R26110
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R55871
Pepper24 Light
(Remortgage only)
Product Code: R55889
Pepper24 Light
Product Code: R55868
Pepper24 Light
(Remortgage only)
Product Code: R55886
Pepper24 Light
Product Code: R55865
Pepper24 Light
(Remortgage only)
Product Code: R55883
Pepper24 Light
Product Code: R30743
Pepper24 Light
(Remortgage only)
Product Code: R30749
Pepper24 Light
Product Code: R26147
Pepper24 Light
(Remortgage only)
Product Code: R26165
Pepper24 Light
Product Code: R26144
Pepper24 Light
(Remortgage only)
Product Code: R26162
Pepper24 Light
Product Code: R26141
Pepper24 Light
(Remortgage only)
Product Code: R26159
Pepper24 Light
Product Code: R55872
Pepper24 Light
(Remortgage only)
Product Code: R55890
Pepper24 Light
Product Code: R55869
Pepper24 Light
(Remortgage only)
Product Code: R55887
Pepper24 Light
Product Code: R55866
Pepper24 Light
(Remortgage only)
Product Code: R55884
Pepper24 Light
Product Code: R30744
Pepper24 Light
(Remortgage only)
Product Code: R30750
Pepper24 Light
Product Code: R26148
Pepper24 Light
(Remortgage only)
Product Code: R26166
Pepper24 Light
Product Code: R26145
Pepper24 Light
(Remortgage only)
Product Code: R26163
Pepper24 Light
Product Code: R26142
Pepper24 Light
(Remortgage only)
Product Code: R26160
Pepper24 Light
Product Code: R55873
Pepper24 Light
(Remortgage only)
Product Code: R55891
Pepper24 Light
Product Code: R55870
Pepper24 Light
(Remortgage only)
Product Code: R55888
Pepper24 Light
Product Code: R55867
Pepper24 Light
(Remortgage only)
Product Code: R55885
Pepper24 Light
Product Code: R30745
Pepper24 Light
(Remortgage only)
Product Code: R30751
Pepper24 Light
Product Code: R26149
Pepper24 Light
(Remortgage only)
Product Code: R26167
Pepper24 Light
Product Code: R26146
Pepper24 Light
(Remortgage only)
Product Code: R26164
Pepper24 Light
Product Code: R26143
Pepper24 Light
(Remortgage only)
Product Code: R26161
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R55880
Pepper24
(Remortgage only)
Product Code: R55898
Pepper24
Product Code: R55877
Pepper24
(Remortgage only)
Product Code: R55895
Pepper24
Product Code: R55874
Pepper24
(Remortgage only)
Product Code: R55892
Pepper24
Product Code: R30746
Pepper24
(Remortgage only)
Product Code: R30752
Pepper24
Product Code: R26156
Pepper24
(Remortgage only)
Product Code: R26174
Pepper24
Product Code: R26153
Pepper24
(Remortgage only)
Product Code: R26171
Pepper24
Product Code: R26150
Pepper24
(Remortgage only)
Product Code: R26168
Pepper24
Product Code: R55881
Pepper24
(Remortgage only)
Product Code: R55899
Pepper24
Product Code: R55878
Pepper24
(Remortgage only)
Product Code: R55896
Pepper24
Product Code: R55875
Pepper24
(Remortgage only)
Product Code: R55893
Pepper24
Product Code: R30747
Pepper24
(Remortgage only)
Product Code: R30753
Pepper24
Product Code: R26157
Pepper24
(Remortgage only)
Product Code: R26175
Pepper24
Product Code: R26154
Pepper24
(Remortgage only)
Product Code: R26172
Pepper24
Product Code: R26151
Pepper24
(Remortgage only)
Product Code: R26169
Pepper24
Product Code: R55882
Pepper24
(Remortgage only)
Product Code: R55900
Pepper24
Product Code: R55879
Pepper24
(Remortgage only)
Product Code: R55897
Pepper24
Product Code: R55876
Pepper24
(Remortgage only)
Product Code: R55894
Pepper24
Product Code: R30748
Pepper24
(Remortgage only)
Product Code: R30754
Pepper24
Product Code: R26158
Pepper24
(Remortgage only)
Product Code: R26176
Pepper24
Product Code: R26155
Pepper24
(Remortgage only)
Product Code: R26173
Pepper24
Product Code: R26152
Pepper24
(Remortgage only)
Product Code: R26170
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R55933
Pepper18 Light
(Remortgage only)
Product Code: R55957
Pepper18 Light
Product Code: R55929
Pepper18 Light
(Remortgage only)
Product Code: R55953
Pepper18 Light
Product Code: R55925
Pepper18 Light
(Remortgage only)
Product Code: R55949
Pepper18 Light
Product Code: R26209
Pepper18 Light
(Remortgage only)
Product Code: R26233
Pepper18 Light
Product Code: R26205
Pepper18 Light
(Remortgage only)
Product Code: R26229
Pepper18 Light
Product Code: R26201
Pepper18 Light
(Remortgage only)
Product Code: R26225
Pepper18 Light
Product Code: R55934
Pepper18 Light
(Remortgage only)
Product Code: R55958
Pepper18 Light
Product Code: R55930
Pepper18 Light
(Remortgage only)
Product Code: R55954
Pepper18 Light
Product Code: R55926
Pepper18 Light
(Remortgage only)
Product Code: R55950
Pepper18 Light
Product Code: R26210
Pepper18 Light
(Remortgage only)
Product Code: R26234
Pepper18 Light
Product Code: R26206
Pepper18 Light
(Remortgage only)
Product Code: R26230
Pepper18 Light
Product Code: R26202
Pepper18 Light
(Remortgage only)
Product Code: R26226
Pepper18 Light
Product Code: R55935
Pepper18 Light
(Remortgage only)
Product Code: R55959
Pepper18 Light
Product Code: R55931
Pepper18 Light
(Remortgage only)
Product Code: R55955
Pepper18 Light
Product Code: R55927
Pepper18 Light
(Remortgage only)
Product Code: R55951
Pepper18 Light
Product Code: R26211
Pepper18 Light
(Remortgage only)
Product Code: R26235
Pepper18 Light
Product Code: R26207
Pepper18 Light
(Remortgage only)
Product Code: R26231
Pepper18 Light
Product Code: R26203
Pepper18 Light
(Remortgage only)
Product Code: R26227
Pepper18 Light
Product Code: R55936
Pepper18 Light
(Remortgage only)
Product Code: R55960
Pepper18 Light
Product Code: R55932
Pepper18 Light
(Remortgage only)
Product Code: R55956
Pepper18 Light
Product Code: R55928
Pepper18 Light
(Remortgage only)
Product Code: R55952
Pepper18 Light
Product Code: R26212
Pepper18 Light
(Remortgage only)
Product Code: R26236
Pepper18 Light
Product Code: R26208
Pepper18 Light
(Remortgage only)
Product Code: R26232
Pepper18 Light
Product Code: R26204
Pepper18 Light
(Remortgage only)
Product Code: R26228
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R55945
Pepper18
(Remortgage only)
Product Code: R55969
Pepper18
Product Code: R55941
Pepper18
(Remortgage only)
Product Code: R55965
Pepper18
Product Code: R55937
Pepper18
(Remortgage only)
Product Code: R55961
Pepper18
Product Code: R26221
Pepper18
(Remortgage only)
Product Code: R26245
Pepper18
Product Code: R26217
Pepper18
(Remortgage only)
Product Code: R26241
Pepper18
Product Code: R26213
Pepper18
(Remortgage only)
Product Code: R26237
Pepper18
Product Code: R55946
Pepper18
(Remortgage only)
Product Code: R55970
Pepper18
Product Code: R55942
Pepper18
(Remortgage only)
Product Code: R55966
Pepper18
Product Code: R55938
Pepper18
(Remortgage only)
Product Code: R55962
Pepper18
Product Code: R26222
Pepper18
(Remortgage only)
Product Code: R26246
Pepper18
Product Code: R26218
Pepper18
(Remortgage only)
Product Code: R26242
Pepper18
Product Code: R26214
Pepper18
(Remortgage only)
Product Code: R26238
Pepper18
Product Code: R55947
Pepper18
(Remortgage only)
Product Code: R55971
Pepper18
Product Code: R55943
Pepper18
(Remortgage only)
Product Code: R55967
Pepper18
Product Code: R55939
Pepper18
(Remortgage only)
Product Code: R55963
Pepper18
Product Code: R26223
Pepper18
(Remortgage only)
Product Code: R26247
Pepper18
Product Code: R26219
Pepper18
(Remortgage only)
Product Code: R26243
Pepper18
Product Code: R26215
Pepper18
(Remortgage only)
Product Code: R26239
Pepper18
Product Code: R55948
Pepper18
(Remortgage only)
Product Code: R55972
Pepper18
Product Code: R55944
Pepper18
(Remortgage only)
Product Code: R55968
Pepper18
Product Code: R55940
Pepper18
(Remortgage only)
Product Code: R55964
Pepper18
Product Code: R26224
Pepper18
(Remortgage only)
Product Code: R26248
Pepper18
Product Code: R26220
Pepper18
(Remortgage only)
Product Code: R26244
Pepper18
Product Code: R26216
Pepper18
(Remortgage only)
Product Code: R26240
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56013
Pepper12 Light
(Remortgage only)
Product Code: R56037
Pepper12 Light
Product Code: R56009
Pepper12 Light
(Remortgage only)
Product Code: R56033
Pepper12 Light
Product Code: R56005
Pepper12 Light
(Remortgage only)
Product Code: R56029
Pepper12 Light
Product Code: R26289
Pepper12 Light
(Remortgage only)
Product Code: R26313
Pepper12 Light
Product Code: R26285
Pepper12 Light
(Remortgage only)
Product Code: R26309
Pepper12 Light
Product Code: R26281
Pepper12 Light
(Remortgage only)
Product Code: R26305
Pepper12 Light
Product Code: R56014
Pepper12 Light
(Remortgage only)
Product Code: R56038
Pepper12 Light
Product Code: R56010
Pepper12 Light
(Remortgage only)
Product Code: R56034
Pepper12 Light
Product Code: R56006
Pepper12 Light
(Remortgage only)
Product Code: R56030
Pepper12 Light
Product Code: R26290
Pepper12 Light
(Remortgage only)
Product Code: R26314
Pepper12 Light
Product Code: R26286
Pepper12 Light
(Remortgage only)
Product Code: R26310
Pepper12 Light
Product Code: R26282
Pepper12 Light
(Remortgage only)
Product Code: R26306
Pepper12 Light
Product Code: R56015
Pepper12 Light
(Remortgage only)
Product Code: R56039
Pepper12 Light
Product Code: R56011
Pepper12 Light
(Remortgage only)
Product Code: R56035
Pepper12 Light
Product Code: R56007
Pepper12 Light
(Remortgage only)
Product Code: R56031
Pepper12 Light
Product Code: R26291
Pepper12 Light
(Remortgage only)
Product Code: R26315
Pepper12 Light
Product Code: R26287
Pepper12 Light
(Remortgage only)
Product Code: R26311
Pepper12 Light
Product Code: R26283
Pepper12 Light
(Remortgage only)
Product Code: R26307
Pepper12 Light
Product Code: R56016
Pepper12 Light
(Remortgage only)
Product Code: R56040
Pepper12 Light
Product Code: R56012
Pepper12 Light
(Remortgage only)
Product Code: R56036
Pepper12 Light
Product Code: R56008
Pepper12 Light
(Remortgage only)
Product Code: R56032
Pepper12 Light
Product Code: R26292
Pepper12 Light
(Remortgage only)
Product Code: R26316
Pepper12 Light
Product Code: R26288
Pepper12 Light
(Remortgage only)
Product Code: R26312
Pepper12 Light
Product Code: R26284
Pepper12 Light
(Remortgage only)
Product Code: R26308
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56025
Pepper12
(Remortgage only)
Product Code: R56049
Pepper12
Product Code: R56021
Pepper12
(Remortgage only)
Product Code: R56045
Pepper12
Product Code: R56017
Pepper12
(Remortgage only)
Product Code: R56041
Pepper12
Product Code: R26301
Pepper12
(Remortgage only)
Product Code: R26325
Pepper12
Product Code: R26297
Pepper12
(Remortgage only)
Product Code: R26321
Pepper12
Product Code: R26293
Pepper12
(Remortgage only)
Product Code: R26317
Pepper12
Product Code: R56026
Pepper12
(Remortgage only)
Product Code: R56050
Pepper12
Product Code: R56022
Pepper12
(Remortgage only)
Product Code: R56046
Pepper12
Product Code: R56018
Pepper12
(Remortgage only)
Product Code: R56042
Pepper12
Product Code: R26302
Pepper12
(Remortgage only)
Product Code: R26326
Pepper12
Product Code: R26298
Pepper12
(Remortgage only)
Product Code: R26322
Pepper12
Product Code: R26294
Pepper12
(Remortgage only)
Product Code: R26318
Pepper12
Product Code: R56027
Pepper12
(Remortgage only)
Product Code: R56051
Pepper12
Product Code: R56023
Pepper12
(Remortgage only)
Product Code: R56047
Pepper12
Product Code: R56019
Pepper12
(Remortgage only)
Product Code: R56043
Pepper12
Product Code: R26303
Pepper12
(Remortgage only)
Product Code: R26327
Pepper12
Product Code: R26299
Pepper12
(Remortgage only)
Product Code: R26323
Pepper12
Product Code: R26295
Pepper12
(Remortgage only)
Product Code: R26319
Pepper12
Product Code: R56028
Pepper12
(Remortgage only)
Product Code: R56052
Pepper12
Product Code: R56024
Pepper12
(Remortgage only)
Product Code: R56048
Pepper12
Product Code: R56020
Pepper12
(Remortgage only)
Product Code: R56044
Pepper12
Product Code: R26304
Pepper12
(Remortgage only)
Product Code: R26328
Pepper12
Product Code: R26300
Pepper12
(Remortgage only)
Product Code: R26324
Pepper12
Product Code: R26296
Pepper12
(Remortgage only)
Product Code: R26320
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56091
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56109
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56088
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56106
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56085
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56103
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26367
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26385
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26364
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26382
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26361
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26379
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56092
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56110
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56089
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56107
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56086
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56104
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26368
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26386
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26365
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26383
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26362
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26380
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56093
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56111
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56090
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56108
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56087
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56105
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26369
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26387
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26366
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26384
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26363
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26381
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: R56100
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56118
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56097
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56115
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56094
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56112
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26376
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26394
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26373
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26391
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26370
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26388
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56101
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56119
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56098
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56116
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56095
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56113
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26377
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26395
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26374
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26392
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26371
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26389
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56102
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56120
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56099
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56117
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56096
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56114
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26378
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26396
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26375
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26393
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26372
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26390
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** 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: RR50237
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR20237
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR50238
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR20238
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR50239
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR20239
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: RR50240
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR20240
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR50241
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR20241
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR50242
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR20242
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: RR50243
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR20243
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR50244
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR20244
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR50245
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR20245
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
Product Code: RD51041
Pepper24 DMP
(Remortgage only)
Product Code: RD51047
Pepper24 DMP
Product Code: RD51038
Pepper24 DMP
(Remortgage only)
Product Code: RD51044
Pepper24 DMP
Product Code: RD30125
Pepper24 DMP
(Remortgage only)
Product Code: RD30128
Pepper24 DMP
Product Code: RD21151
Pepper24 DMP
(Remortgage only)
Product Code: RD21157
Pepper24 DMP
Product Code: RD21148
Pepper24 DMP
(Remortgage only)
Product Code: RD21154
Pepper24 DMP
Product Code: RD51042
Pepper24 DMP
(Remortgage only)
Product Code: RD51048
Pepper24 DMP
Product Code: RD51039
Pepper24 DMP
(Remortgage only)
Product Code: RD51045
Pepper24 DMP
Product Code: RD30126
Pepper24 DMP
(Remortgage only)
Product Code: RD30129
Pepper24 DMP
Product Code: RD21152
Pepper24 DMP
(Remortgage only)
Product Code: RD21158
Pepper24 DMP
Product Code: RD21149
Pepper24 DMP
(Remortgage only)
Product Code: RD21155
Pepper24 DMP
Product Code: RD51043
Pepper24 DMP
(Remortgage only)
Product Code: RD51049
Pepper24 DMP
Product Code: RD51040
Pepper24 DMP
(Remortgage only)
Product Code: RD51046
Pepper24 DMP
Product Code: RD30127
Pepper24 DMP
(Remortgage only)
Product Code: RD30130
Pepper24 DMP
Product Code: RD21153
Pepper24 DMP
(Remortgage only)
Product Code: RD21159
Pepper24 DMP
Product Code: RD21150
Pepper24 DMP
(Remortgage only)
Product Code: RD21156
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives for Remortgages only ** 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
Product Code: RD51054
Pepper18 DMP
(Remortgage only)
Product Code: RD51062
Pepper18 DMP
Product Code: RD51050
Pepper18 DMP
(Remortgage only)
Product Code: RD51058
Pepper18 DMP
Product Code: RD30131
Pepper18 DMP
(Remortgage only)
Product Code: RD30135
Pepper18 DMP
Product Code: RD21164
Pepper18 DMP
(Remortgage only)
Product Code: RD21172
Pepper18 DMP
Product Code: RD21160
Pepper18 DMP
(Remortgage only)
Product Code: RD21168
Pepper18 DMP
Product Code: RD51055
Pepper18 DMP
(Remortgage only)
Product Code: RD51063
Pepper18 DMP
Product Code: RD51051
Pepper18 DMP
(Remortgage only)
Product Code: RD51059
Pepper18 DMP
Product Code: RD30132
Pepper18 DMP
(Remortgage only)
Product Code: RD30136
Pepper18 DMP
Product Code: RD21165
Pepper18 DMP
(Remortgage only)
Product Code: RD21173
Pepper18 DMP
Product Code: RD21161
Pepper18 DMP
(Remortgage only)
Product Code: RD21169
Pepper18 DMP
Product Code: RD51056
Pepper18 DMP
(Remortgage only)
Product Code: RD51064
Pepper18 DMP
Product Code: RD51052
Pepper18 DMP
(Remortgage only)
Product Code: RD51060
Pepper18 DMP
Product Code: RD30133
Pepper18 DMP
(Remortgage only)
Product Code: RD30137
Pepper18 DMP
Product Code: RD21166
Pepper18 DMP
(Remortgage only)
Product Code: RD21174
Pepper18 DMP
Product Code: RD21162
Pepper18 DMP
(Remortgage only)
Product Code: RD21170
Pepper18 DMP
Product Code: RD51057
Pepper18 DMP
(Remortgage only)
Product Code: RD51065
Pepper18 DMP
Product Code: RD51053
Pepper18 DMP
(Remortgage only)
Product Code: RD51061
Pepper18 DMP
Product Code: RD30134
Pepper18 DMP
(Remortgage only)
Product Code: RD30138
Pepper18 DMP
Product Code: RD21167
Pepper18 DMP
(Remortgage only)
Product Code: RD21175
Pepper18 DMP
Product Code: RD21163
Pepper18 DMP
(Remortgage only)
Product Code: RD21171
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives for Remortgages only ** 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
Product Code: RD51070
Pepper12 DMP
(Remortgage only)
Product Code: RD51078
Pepper12 DMP
Product Code: RD51066
Pepper12 DMP
(Remortgage only)
Product Code: RD51074
Pepper12 DMP
Product Code: RD30139
Pepper12 DMP
(Remortgage only)
Product Code: RD30143
Pepper12 DMP
Product Code: RD21180
Pepper12 DMP
(Remortgage only)
Product Code: RD21188
Pepper12 DMP
Product Code: RD21176
Pepper12 DMP
(Remortgage only)
Product Code: RD21184
Pepper12 DMP
Product Code: RD51071
Pepper12 DMP
(Remortgage only)
Product Code: RD51079
Pepper12 DMP
Product Code: RD51067
Pepper12 DMP
(Remortgage only)
Product Code: RD51075
Pepper12 DMP
Product Code: RD30140
Pepper12 DMP
(Remortgage only)
Product Code: RD30144
Pepper12 DMP
Product Code: RD21181
Pepper12 DMP
(Remortgage only)
Product Code: RD21189
Pepper12 DMP
Product Code: RD21177
Pepper12 DMP
(Remortgage only)
Product Code: RD21185
Pepper12 DMP
Product Code: RD51072
Pepper12 DMP
(Remortgage only)
Product Code: RD51080
Pepper12 DMP
Product Code: RD51068
Pepper12 DMP
(Remortgage only)
Product Code: RD51076
Pepper12 DMP
Product Code: RD30141
Pepper12 DMP
(Remortgage only)
Product Code: RD30145
Pepper12 DMP
Product Code: RD21182
Pepper12 DMP
(Remortgage only)
Product Code: RD21190
Pepper12 DMP
Product Code: RD21178
Pepper12 DMP
(Remortgage only)
Product Code: RD21186
Pepper12 DMP
Product Code: RD51073
Pepper12 DMP
(Remortgage only)
Product Code: RD51081
Pepper12 DMP
Product Code: RD51069
Pepper12 DMP
(Remortgage only)
Product Code: RD51077
Pepper12 DMP
Product Code: RD30142
Pepper12 DMP
(Remortgage only)
Product Code: RD30146
Pepper12 DMP
Product Code: RD21183
Pepper12 DMP
(Remortgage only)
Product Code: RD21191
Pepper12 DMP
Product Code: RD21179
Pepper12 DMP
(Remortgage only)
Product Code: RD21187
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives for Remortgages only ** 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: RB50043
Pepper24 Bankruptcy and IVA
Product Code: RB20043
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: RB50044
Pepper12 Bankruptcy and IVA
Product Code: RB20044
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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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.
Resources
Broker toolkit and guides
Our Broker Toolkit has all the information you need for Products, Calculators and Guides