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
- September 2026
- LMR = 4.25% (As of 15th January 2026)
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: R500052609175
Pepper48 Light
(Remortgage only)
Product Code: R500792609175
Pepper48 Light
Product Code: R500062609175
Pepper48 Light
(Remortgage only)
Product Code: R500802609175
Pepper48 Light
Product Code: R500072609175
Pepper48 Light
(Remortgage only)
Product Code: R500812609175
Pepper48 Light
Product Code: R300042609175
Pepper48 Light
(Remortgage only)
Product Code: R300402609175
Pepper48 Light
Product Code: R200012609175
Pepper48 Light
(Remortgage only)
Product Code: R200762609175
Pepper48 Light
Product Code: R200022609175
Pepper48 Light
(Remortgage only)
Product Code: R200772609175
Pepper48 Light
Product Code: R200032609175
Pepper48 Light
(Remortgage only)
Product Code: R200782609175
Pepper48 Light
Product Code: R500052609180
Pepper48 Light
(Remortgage only)
Product Code: R500792609180
Pepper48 Light
Product Code: R500062609180
Pepper48 Light
(Remortgage only)
Product Code: R500802609180
Pepper48 Light
Product Code: R500072609180
Pepper48 Light
(Remortgage only)
Product Code: R500812609180
Pepper48 Light
Product Code: R300042609180
Pepper48 Light
(Remortgage only)
Product Code: R300402609180
Pepper48 Light
Product Code: R200012609180
Pepper48 Light
(Remortgage only)
Product Code: R200762609180
Pepper48 Light
Product Code: R200022609180
Pepper48 Light
(Remortgage only)
Product Code: R200772609180
Pepper48 Light
Product Code: R200032609180
Pepper48 Light
(Remortgage only)
Product Code: R200782609180
Pepper48 Light
Product Code: R500052609185
Pepper48 Light
(Remortgage only)
Product Code: R500792609185
Pepper48 Light
Product Code: R500062609185
Pepper48 Light
(Remortgage only)
Product Code: R500802609185
Pepper48 Light
Product Code: R500072609185
Pepper48 Light
(Remortgage only)
Product Code: R500812609185
Pepper48 Light
Product Code: R300042609185
Pepper48 Light
(Remortgage only)
Product Code: R300402609185
Pepper48 Light
Product Code: R200012609185
Pepper48 Light
(Remortgage only)
Product Code: R200762609185
Pepper48 Light
Product Code: R200022609185
Pepper48 Light
(Remortgage only)
Product Code: R200772609185
Pepper48 Light
Product Code: R200032609185
Pepper48 Light
(Remortgage only)
Product Code: R200782609185
Pepper48 Light
Product Code: R501632609190
Pepper48 Light
(Remortgage only)
Product Code: R501752609190
Pepper48 Light
Product Code: R501642609190
Pepper48 Light
(Remortgage only)
Product Code: R501762609190
Pepper48 Light
Product Code: R501652609190
Pepper48 Light
(Remortgage only)
Product Code: R501772609190
Pepper48 Light
Product Code: R201602609190
Pepper48 Light
(Remortgage only)
Product Code: R201722609190
Pepper48 Light
Product Code: R201612609190
Pepper48 Light
(Remortgage only)
Product Code: R201732609190
Pepper48 Light
Product Code: R201622609190
Pepper48 Light
(Remortgage only)
Product Code: R201742609190
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: R500122609175
Pepper48
(Remortgage only)
Product Code: R500822609175
Pepper48
Product Code: R500132609175
Pepper48
(Remortgage only)
Product Code: R500832609175
Pepper48
Product Code: R500142609175
Pepper48
(Remortgage only)
Product Code: R500842609175
Pepper48
Product Code: R300112609175
Pepper48
(Remortgage only)
Product Code: R300412609175
Pepper48
Product Code: R200082609175
Pepper48
(Remortgage only)
Product Code: R200792609175
Pepper48
Product Code: R200092609175
Pepper48
(Remortgage only)
Product Code: R200802609175
Pepper48
Product Code: R200102609175
Pepper48
(Remortgage only)
Product Code: R200812609175
Pepper48
Product Code: R500122609180
Pepper48
(Remortgage only)
Product Code: R500822609180
Pepper48
Product Code: R500132609180
Pepper48
(Remortgage only)
Product Code: R500832609180
Pepper48
Product Code: R500142609180
Pepper48
(Remortgage only)
Product Code: R500842609180
Pepper48
Product Code: R300112609180
Pepper48
(Remortgage only)
Product Code: R300412609180
Pepper48
Product Code: R200082609180
Pepper48
(Remortgage only)
Product Code: R200792609180
Pepper48
Product Code: R200092609180
Pepper48
(Remortgage only)
Product Code: R200802609180
Pepper48
Product Code: R200102609180
Pepper48
(Remortgage only)
Product Code: R200812609180
Pepper48
Product Code: R500122609185
Pepper48
(Remortgage only)
Product Code: R500822609185
Pepper48
Product Code: R500132609185
Pepper48
(Remortgage only)
Product Code: R500832609185
Pepper48
Product Code: R500142609185
Pepper48
(Remortgage only)
Product Code: R500842609185
Pepper48
Product Code: R300112609185
Pepper48
(Remortgage only)
Product Code: R300412609185
Pepper48
Product Code: R200082609185
Pepper48
(Remortgage only)
Product Code: R200792609185
Pepper48
Product Code: R200092609185
Pepper48
(Remortgage only)
Product Code: R200802609185
Pepper48
Product Code: R200102609185
Pepper48
(Remortgage only)
Product Code: R200812609185
Pepper48
Product Code: R501662609190
Pepper48
(Remortgage only)
Product Code: R501782609190
Pepper48
Product Code: R501672609190
Pepper48
(Remortgage only)
Product Code: R501792609190
Pepper48
Product Code: R501682609190
Pepper48
(Remortgage only)
Product Code: R501802609190
Pepper48
Product Code: R201632609190
Pepper48
(Remortgage only)
Product Code: R201752609190
Pepper48
Product Code: R201642609190
Pepper48
(Remortgage only)
Product Code: R201762609190
Pepper48
Product Code: R201652609190
Pepper48
(Remortgage only)
Product Code: R201772609190
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: R500192609175
Pepper36 Light
(Remortgage only)
Product Code: R500852609175
Pepper36 Light
Product Code: R500202609175
Pepper36 Light
(Remortgage only)
Product Code: R500862609175
Pepper36 Light
Product Code: R500212609175
Pepper36 Light
(Remortgage only)
Product Code: R500872609175
Pepper36 Light
Product Code: R300182609175
Pepper36 Light
(Remortgage only)
Product Code: R300422609175
Pepper36 Light
Product Code: R200152609175
Pepper36 Light
(Remortgage only)
Product Code: R200822609175
Pepper36 Light
Product Code: R200162609175
Pepper36 Light
(Remortgage only)
Product Code: R200832609175
Pepper36 Light
Product Code: R200172609175
Pepper36 Light
(Remortgage only)
Product Code: R200842609175
Pepper36 Light
Product Code: R500192609180
Pepper36 Light
(Remortgage only)
Product Code: R500852609180
Pepper36 Light
Product Code: R500202609180
Pepper36 Light
(Remortgage only)
Product Code: R500862609180
Pepper36 Light
Product Code: R500212609180
Pepper36 Light
(Remortgage only)
Product Code: R500872609180
Pepper36 Light
Product Code: R300182609180
Pepper36 Light
(Remortgage only)
Product Code: R300422609180
Pepper36 Light
Product Code: R200152609180
Pepper36 Light
(Remortgage only)
Product Code: R200822609180
Pepper36 Light
Product Code: R200162609180
Pepper36 Light
(Remortgage only)
Product Code: R200832609180
Pepper36 Light
Product Code: R200172609180
Pepper36 Light
(Remortgage only)
Product Code: R200842609180
Pepper36 Light
Product Code: R500192609185
Pepper36 Light
(Remortgage only)
Product Code: R500852609185
Pepper36 Light
Product Code: R500202609185
Pepper36 Light
(Remortgage only)
Product Code: R500862609185
Pepper36 Light
Product Code: R500212609185
Pepper36 Light
(Remortgage only)
Product Code: R500872609185
Pepper36 Light
Product Code: R300182609185
Pepper36 Light
(Remortgage only)
Product Code: R300422609185
Pepper36 Light
Product Code: R200152609185
Pepper36 Light
(Remortgage only)
Product Code: R200822609185
Pepper36 Light
Product Code: R200162609185
Pepper36 Light
(Remortgage only)
Product Code: R200832609185
Pepper36 Light
Product Code: R200172609185
Pepper36 Light
(Remortgage only)
Product Code: R200842609185
Pepper36 Light
Product Code: R501692609190
Pepper36 Light
(Remortgage only)
Product Code: R501812609190
Pepper36 Light
Product Code: R501702609190
Pepper36 Light
(Remortgage only)
Product Code: R501822609190
Pepper36 Light
Product Code: R501712609190
Pepper36 Light
(Remortgage only)
Product Code: R501832609190
Pepper36 Light
Product Code: R201662609190
Pepper36 Light
(Remortgage only)
Product Code: R201782609190
Pepper36 Light
Product Code: R201672609190
Pepper36 Light
(Remortgage only)
Product Code: R201792609190
Pepper36 Light
Product Code: R201682609190
Pepper36 Light
(Remortgage only)
Product Code: R201802609190
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: R500262609175
Pepper36
(Remortgage only)
Product Code: R500882609175
Pepper36
Product Code: R500272609175
Pepper36
(Remortgage only)
Product Code: R500892609175
Pepper36
Product Code: R500282609175
Pepper36
(Remortgage only)
Product Code: R500902609175
Pepper36
Product Code: R300252609175
Pepper36
(Remortgage only)
Product Code: R300432609175
Pepper36
Product Code: R200222609175
Pepper36
(Remortgage only)
Product Code: R200852609175
Pepper36
Product Code: R200232609175
Pepper36
(Remortgage only)
Product Code: R200862609175
Pepper36
Product Code: R200242609175
Pepper36
(Remortgage only)
Product Code: R200872609175
Pepper36
Product Code: R500262609180
Pepper36
(Remortgage only)
Product Code: R500882609180
Pepper36
Product Code: R500272609180
Pepper36
(Remortgage only)
Product Code: R500892609180
Pepper36
Product Code: R500282609180
Pepper36
(Remortgage only)
Product Code: R500902609180
Pepper36
Product Code: R300252609180
Pepper36
(Remortgage only)
Product Code: R300432609180
Pepper36
Product Code: R200222609180
Pepper36
(Remortgage only)
Product Code: R200852609180
Pepper36
Product Code: R200232609180
Pepper36
(Remortgage only)
Product Code: R200862609180
Pepper36
Product Code: R200242609180
Pepper36
(Remortgage only)
Product Code: R200872609180
Pepper36
Product Code: R500262609185
Pepper36
(Remortgage only)
Product Code: R500882609185
Pepper36
Product Code: R500272609185
Pepper36
(Remortgage only)
Product Code: R500892609185
Pepper36
Product Code: R500282609185
Pepper36
(Remortgage only)
Product Code: R500902609185
Pepper36
Product Code: R300252609185
Pepper36
(Remortgage only)
Product Code: R300432609185
Pepper36
Product Code: R200222609185
Pepper36
(Remortgage only)
Product Code: R200852609185
Pepper36
Product Code: R200232609185
Pepper36
(Remortgage only)
Product Code: R200862609185
Pepper36
Product Code: R200242609185
Pepper36
(Remortgage only)
Product Code: R200872609185
Pepper36
Product Code: R501722609190
Pepper36
(Remortgage only)
Product Code: R501842609190
Pepper36
Product Code: R501732609190
Pepper36
(Remortgage only)
Product Code: R501852609190
Pepper36
Product Code: R501742609190
Pepper36
(Remortgage only)
Product Code: R501862609190
Pepper36
Product Code: R201692609190
Pepper36
(Remortgage only)
Product Code: R201812609190
Pepper36
Product Code: R201702609190
Pepper36
(Remortgage only)
Product Code: R201822609190
Pepper36
Product Code: R201712609190
Pepper36
(Remortgage only)
Product Code: R201832609190
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: R500332609175
Pepper24 Light
(Remortgage only)
Product Code: R500912609175
Pepper24 Light
Product Code: R500342609175
Pepper24 Light
(Remortgage only)
Product Code: R500922609175
Pepper24 Light
Product Code: R500352609175
Pepper24 Light
(Remortgage only)
Product Code: R500932609175
Pepper24 Light
Product Code: R300322609175
Pepper24 Light
(Remortgage only)
Product Code: R300442609175
Pepper24 Light
Product Code: R200292609175
Pepper24 Light
(Remortgage only)
Product Code: R200882609175
Pepper24 Light
Product Code: R200302609175
Pepper24 Light
(Remortgage only)
Product Code: R200892609175
Pepper24 Light
Product Code: R200312609175
Pepper24 Light
(Remortgage only)
Product Code: R200902609175
Pepper24 Light
Product Code: R500332609180
Pepper24 Light
(Remortgage only)
Product Code: R500912609180
Pepper24 Light
Product Code: R500342609180
Pepper24 Light
(Remortgage only)
Product Code: R500922609180
Pepper24 Light
Product Code: R500352609180
Pepper24 Light
(Remortgage only)
Product Code: R500932609180
Pepper24 Light
Product Code: R300322609180
Pepper24 Light
(Remortgage only)
Product Code: R300442609180
Pepper24 Light
Product Code: R200292609180
Pepper24 Light
(Remortgage only)
Product Code: R200882609180
Pepper24 Light
Product Code: R200302609180
Pepper24 Light
(Remortgage only)
Product Code: R200892609180
Pepper24 Light
Product Code: R200312609180
Pepper24 Light
(Remortgage only)
Product Code: R200902609180
Pepper24 Light
Product Code: R500332609185
Pepper24 Light
(Remortgage only)
Product Code: R500912609185
Pepper24 Light
Product Code: R500342609185
Pepper24 Light
(Remortgage only)
Product Code: R500922609185
Pepper24 Light
Product Code: R500352609185
Pepper24 Light
(Remortgage only)
Product Code: R500932609185
Pepper24 Light
Product Code: R300322609185
Pepper24 Light
(Remortgage only)
Product Code: R300442609185
Pepper24 Light
Product Code: R200292609185
Pepper24 Light
(Remortgage only)
Product Code: R200882609185
Pepper24 Light
Product Code: R200302609185
Pepper24 Light
(Remortgage only)
Product Code: R200892609185
Pepper24 Light
Product Code: R200312609185
Pepper24 Light
(Remortgage only)
Product Code: R200902609185
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: R500402609175
Pepper24
(Remortgage only)
Product Code: R500942609175
Pepper24
Product Code: R500412609175
Pepper24
(Remortgage only)
Product Code: R500952609175
Pepper24
Product Code: R500422609175
Pepper24
(Remortgage only)
Product Code: R500962609175
Pepper24
Product Code: R300392609175
Pepper24
(Remortgage only)
Product Code: R300452609175
Pepper24
Product Code: R200362609175
Pepper24
(Remortgage only)
Product Code: R200912609175
Pepper24
Product Code: R200372609175
Pepper24
(Remortgage only)
Product Code: R200922609175
Pepper24
Product Code: R200382609175
Pepper24
(Remortgage only)
Product Code: R200932609175
Pepper24
Product Code: R500402609180
Pepper24
(Remortgage only)
Product Code: R500942609180
Pepper24
Product Code: R500412609180
Pepper24
(Remortgage only)
Product Code: R500952609180
Pepper24
Product Code: R500422609180
Pepper24
(Remortgage only)
Product Code: R500962609180
Pepper24
Product Code: R300392609180
Pepper24
(Remortgage only)
Product Code: R300452609180
Pepper24
Product Code: R200362609180
Pepper24
(Remortgage only)
Product Code: R200912609180
Pepper24
Product Code: R200372609180
Pepper24
(Remortgage only)
Product Code: R200922609180
Pepper24
Product Code: R200382609180
Pepper24
(Remortgage only)
Product Code: R200932609180
Pepper24
Product Code: R500402609185
Pepper24
(Remortgage only)
Product Code: R500942609185
Pepper24
Product Code: R500412609185
Pepper24
(Remortgage only)
Product Code: R500952609185
Pepper24
Product Code: R500422609185
Pepper24
(Remortgage only)
Product Code: R500962609185
Pepper24
Product Code: R300392609185
Pepper24
(Remortgage only)
Product Code: R300452609185
Pepper24
Product Code: R200362609185
Pepper24
(Remortgage only)
Product Code: R200912609185
Pepper24
Product Code: R200372609185
Pepper24
(Remortgage only)
Product Code: R200922609185
Pepper24
Product Code: R200382609185
Pepper24
(Remortgage only)
Product Code: R200932609185
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: R500462609170
Pepper18 Light
(Remortgage only)
Product Code: R500972609170
Pepper18 Light
Product Code: R500472609170
Pepper18 Light
(Remortgage only)
Product Code: R500982609170
Pepper18 Light
Product Code: R500482609170
Pepper18 Light
(Remortgage only)
Product Code: R500992609170
Pepper18 Light
Product Code: R200432609170
Pepper18 Light
(Remortgage only)
Product Code: R200942609170
Pepper18 Light
Product Code: R200442609170
Pepper18 Light
(Remortgage only)
Product Code: R200952609170
Pepper18 Light
Product Code: R200452609170
Pepper18 Light
(Remortgage only)
Product Code: R200962609170
Pepper18 Light
Product Code: R500462609175
Pepper18 Light
(Remortgage only)
Product Code: R500972609175
Pepper18 Light
Product Code: R500472609175
Pepper18 Light
(Remortgage only)
Product Code: R500982609175
Pepper18 Light
Product Code: R500482609175
Pepper18 Light
(Remortgage only)
Product Code: R500992609175
Pepper18 Light
Product Code: R200432609175
Pepper18 Light
(Remortgage only)
Product Code: R200942609175
Pepper18 Light
Product Code: R200442609175
Pepper18 Light
(Remortgage only)
Product Code: R200952609175
Pepper18 Light
Product Code: R200452609175
Pepper18 Light
(Remortgage only)
Product Code: R200962609175
Pepper18 Light
Product Code: R500462609180
Pepper18 Light
(Remortgage only)
Product Code: R500972609180
Pepper18 Light
Product Code: R500472609180
Pepper18 Light
(Remortgage only)
Product Code: R500982609180
Pepper18 Light
Product Code: R500482609180
Pepper18 Light
(Remortgage only)
Product Code: R500992609180
Pepper18 Light
Product Code: R200432609180
Pepper18 Light
(Remortgage only)
Product Code: R200942609180
Pepper18 Light
Product Code: R200442609180
Pepper18 Light
(Remortgage only)
Product Code: R200952609180
Pepper18 Light
Product Code: R200452609180
Pepper18 Light
(Remortgage only)
Product Code: R200962609180
Pepper18 Light
Product Code: R500462609185
Pepper18 Light
(Remortgage only)
Product Code: R500972609185
Pepper18 Light
Product Code: R500472609185
Pepper18 Light
(Remortgage only)
Product Code: R500982609185
Pepper18 Light
Product Code: R500482609185
Pepper18 Light
(Remortgage only)
Product Code: R500992609185
Pepper18 Light
Product Code: R200432609185
Pepper18 Light
(Remortgage only)
Product Code: R200942609185
Pepper18 Light
Product Code: R200442609185
Pepper18 Light
(Remortgage only)
Product Code: R200952609185
Pepper18 Light
Product Code: R200452609185
Pepper18 Light
(Remortgage only)
Product Code: R200962609185
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: R500522609170
Pepper18
(Remortgage only)
Product Code: R501002609170
Pepper18
Product Code: R500532609170
Pepper18
(Remortgage only)
Product Code: R501012609170
Pepper18
Product Code: R500542609170
Pepper18
(Remortgage only)
Product Code: R501022609170
Pepper18
Product Code: R200492609170
Pepper18
(Remortgage only)
Product Code: R200972609170
Pepper18
Product Code: R200502609170
Pepper18
(Remortgage only)
Product Code: R200982609170
Pepper18
Product Code: R200512609170
Pepper18
(Remortgage only)
Product Code: R200992609170
Pepper18
Product Code: R500522609175
Pepper18
(Remortgage only)
Product Code: R501002609175
Pepper18
Product Code: R500532609175
Pepper18
(Remortgage only)
Product Code: R501012609175
Pepper18
Product Code: R500542609175
Pepper18
(Remortgage only)
Product Code: R501022609175
Pepper18
Product Code: R200492609175
Pepper18
(Remortgage only)
Product Code: R200972609175
Pepper18
Product Code: R200502609175
Pepper18
(Remortgage only)
Product Code: R200982609175
Pepper18
Product Code: R200512609175
Pepper18
(Remortgage only)
Product Code: R200992609175
Pepper18
Product Code: R500522609180
Pepper18
(Remortgage only)
Product Code: R501002609180
Pepper18
Product Code: R500532609180
Pepper18
(Remortgage only)
Product Code: R501012609180
Pepper18
Product Code: R500542609180
Pepper18
(Remortgage only)
Product Code: R501022609180
Pepper18
Product Code: R200492609180
Pepper18
(Remortgage only)
Product Code: R200972609180
Pepper18
Product Code: R200502609180
Pepper18
(Remortgage only)
Product Code: R200982609180
Pepper18
Product Code: R200512609180
Pepper18
(Remortgage only)
Product Code: R200992609180
Pepper18
Product Code: R500522609185
Pepper18
(Remortgage only)
Product Code: R501002609185
Pepper18
Product Code: R500532609185
Pepper18
(Remortgage only)
Product Code: R501012609185
Pepper18
Product Code: R500542609185
Pepper18
(Remortgage only)
Product Code: R501022609185
Pepper18
Product Code: R200492609185
Pepper18
(Remortgage only)
Product Code: R200972609185
Pepper18
Product Code: R200502609185
Pepper18
(Remortgage only)
Product Code: R200982609185
Pepper18
Product Code: R200512609185
Pepper18
(Remortgage only)
Product Code: R200992609185
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: R500582609170
Pepper12 Light
(Remortgage only)
Product Code: R501032609170
Pepper12 Light
Product Code: R500592609170
Pepper12 Light
(Remortgage only)
Product Code: R501042609170
Pepper12 Light
Product Code: R500602609170
Pepper12 Light
(Remortgage only)
Product Code: R501052609170
Pepper12 Light
Product Code: R200552609170
Pepper12 Light
(Remortgage only)
Product Code: R201002609170
Pepper12 Light
Product Code: R200562609170
Pepper12 Light
(Remortgage only)
Product Code: R201012609170
Pepper12 Light
Product Code: R200572609170
Pepper12 Light
(Remortgage only)
Product Code: R201022609170
Pepper12 Light
Product Code: R500582609175
Pepper12 Light
(Remortgage only)
Product Code: R501032609175
Pepper12 Light
Product Code: R500592609175
Pepper12 Light
(Remortgage only)
Product Code: R501042609175
Pepper12 Light
Product Code: R500602609175
Pepper12 Light
(Remortgage only)
Product Code: R501052609175
Pepper12 Light
Product Code: R200552609175
Pepper12 Light
(Remortgage only)
Product Code: R201002609175
Pepper12 Light
Product Code: R200562609175
Pepper12 Light
(Remortgage only)
Product Code: R201012609175
Pepper12 Light
Product Code: R200572609175
Pepper12 Light
(Remortgage only)
Product Code: R201022609175
Pepper12 Light
Product Code: R500582609180
Pepper12 Light
(Remortgage only)
Product Code: R501032609180
Pepper12 Light
Product Code: R500592609180
Pepper12 Light
(Remortgage only)
Product Code: R501042609180
Pepper12 Light
Product Code: R500602609180
Pepper12 Light
(Remortgage only)
Product Code: R501052609180
Pepper12 Light
Product Code: R200552609180
Pepper12 Light
(Remortgage only)
Product Code: R201002609180
Pepper12 Light
Product Code: R200562609180
Pepper12 Light
(Remortgage only)
Product Code: R201012609180
Pepper12 Light
Product Code: R200572609180
Pepper12 Light
(Remortgage only)
Product Code: R201022609180
Pepper12 Light
Product Code: R500582609185
Pepper12 Light
(Remortgage only)
Product Code: R501032609185
Pepper12 Light
Product Code: R500592609185
Pepper12 Light
(Remortgage only)
Product Code: R501042609185
Pepper12 Light
Product Code: R500602609185
Pepper12 Light
(Remortgage only)
Product Code: R501052609185
Pepper12 Light
Product Code: R200552609185
Pepper12 Light
(Remortgage only)
Product Code: R201002609185
Pepper12 Light
Product Code: R200562609185
Pepper12 Light
(Remortgage only)
Product Code: R201012609185
Pepper12 Light
Product Code: R200572609185
Pepper12 Light
(Remortgage only)
Product Code: R201022609185
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: R500642609170
Pepper12
(Remortgage only)
Product Code: R501062609170
Pepper12
Product Code: R500652609170
Pepper12
(Remortgage only)
Product Code: R501072609170
Pepper12
Product Code: R500662609170
Pepper12
(Remortgage only)
Product Code: R501082609170
Pepper12
Product Code: R200612609170
Pepper12
(Remortgage only)
Product Code: R201032609170
Pepper12
Product Code: R200622609170
Pepper12
(Remortgage only)
Product Code: R201042609170
Pepper12
Product Code: R200632609170
Pepper12
(Remortgage only)
Product Code: R201052609170
Pepper12
Product Code: R500642609175
Pepper12
(Remortgage only)
Product Code: R501062609175
Pepper12
Product Code: R500652609175
Pepper12
(Remortgage only)
Product Code: R501072609175
Pepper12
Product Code: R500662609175
Pepper12
(Remortgage only)
Product Code: R501082609175
Pepper12
Product Code: R200612609175
Pepper12
(Remortgage only)
Product Code: R201032609175
Pepper12
Product Code: R200622609175
Pepper12
(Remortgage only)
Product Code: R201042609175
Pepper12
Product Code: R200632609175
Pepper12
(Remortgage only)
Product Code: R201052609175
Pepper12
Product Code: R500642609180
Pepper12
(Remortgage only)
Product Code: R501062609180
Pepper12
Product Code: R500652609180
Pepper12
(Remortgage only)
Product Code: R501072609180
Pepper12
Product Code: R500662609180
Pepper12
(Remortgage only)
Product Code: R501082609180
Pepper12
Product Code: R200612609180
Pepper12
(Remortgage only)
Product Code: R201032609180
Pepper12
Product Code: R200622609180
Pepper12
(Remortgage only)
Product Code: R201042609180
Pepper12
Product Code: R200632609180
Pepper12
(Remortgage only)
Product Code: R201052609180
Pepper12
Product Code: R500642609185
Pepper12
(Remortgage only)
Product Code: R501062609185
Pepper12
Product Code: R500652609185
Pepper12
(Remortgage only)
Product Code: R501072609185
Pepper12
Product Code: R500662609185
Pepper12
(Remortgage only)
Product Code: R501082609185
Pepper12
Product Code: R200612609185
Pepper12
(Remortgage only)
Product Code: R201032609185
Pepper12
Product Code: R200622609185
Pepper12
(Remortgage only)
Product Code: R201042609185
Pepper12
Product Code: R200632609185
Pepper12
(Remortgage only)
Product Code: R201052609185
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: R500702609170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092609170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712609170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102609170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722609170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112609170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672609170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062609170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682609170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072609170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692609170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082609170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702609175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092609175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712609175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102609175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722609175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112609175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672609175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062609175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682609175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072609175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692609175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082609175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702609180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092609180
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712609180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102609180
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722609180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112609180
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672609180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062609180
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682609180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072609180
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692609180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082609180
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: R500762609170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122609170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772609170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132609170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782609170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142609170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732609170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092609170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742609170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102609170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752609170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112609170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762609175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122609175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772609175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132609175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782609175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142609175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732609175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092609175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742609175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102609175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752609175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112609175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762609180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122609180
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772609180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132609180
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782609180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142609180
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732609180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092609180
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742609180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102609180
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752609180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112609180
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 |
Residential - LIMITED EDITION 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
Limited Edition
(Remortgage only)
Product Code: R202002609175
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202012609175
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202032609180
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202042609180
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202062609185
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202072609185
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202092609190
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202102609190
Application fee = £0 *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
Limited Edition
(Remortgage only)
Product Code: R202122609175
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202132609175
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202152609180
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202162609180
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202182609185
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202192609185
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202212609190
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202222609190
Application fee = £0 *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
Limited Edition
(Remortgage only)
Product Code: R202242609175
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202252609175
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202272609180
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202282609180
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202302609185
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202312609185
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202332609190
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202342609190
Application fee = £0 *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
Limited Edition
(Remortgage only)
Product Code: R202362609175
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202372609175
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202392609180
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202402609180
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202422609185
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202432609185
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202452609190
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202462609190
Application fee = £0 *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
Limited Edition
(Remortgage only)
Product Code: R202482609175
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202492609175
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202512609180
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202522609180
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202542609185
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202552609185
Application fee = £0 *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
Limited Edition
(Remortgage only)
Product Code: R202572609175
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202582609175
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202602609180
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202612609180
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202632609185
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202642609185
Application fee = £0 *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
Limited Edition
(Remortgage only)
Product Code: R202662609170
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202672609170
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202692609175
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202702609175
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202722609180
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202732609180
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202752609185
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202762609185
Application fee = £0 *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
Limited Edition
(Remortgage only)
Product Code: R202782609170
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202792609170
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202812609175
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202822609175
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202842609180
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202852609180
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202872609185
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202882609185
Application fee = £0 *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
Limited Edition
(Remortgage only)
Product Code: R202902609170
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202912609170
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202932609175
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202942609175
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202962609180
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202972609180
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202992609185
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R203002609185
Application fee = £0 *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
Limited Edition
(Remortgage only)
Product Code: R203022609170
Pepper12
Limited Edition
(Remortgage only)
Product Code: R203032609170
Pepper12
Limited Edition
(Remortgage only)
Product Code: R203052609175
Pepper12
Limited Edition
(Remortgage only)
Product Code: R203062609175
Pepper12
Limited Edition
(Remortgage only)
Product Code: R203082609180
Pepper12
Limited Edition
(Remortgage only)
Product Code: R203092609180
Pepper12
Limited Edition
(Remortgage only)
Product Code: R203112609185
Pepper12
Limited Edition
(Remortgage only)
Product Code: R203122609185
Application fee = £0 *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
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203142609170
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203152609170
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203172609175
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203182609175
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203202609180
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203212609180
Application fee = £0 *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
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203232609170
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203242609170
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203262609175
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203272609175
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203292609180
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R203302609180
Application fee = £0 *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
Product Code: RR500012609175
Pepper48 Existing Customer
Product Code: RR200012609175
Pepper48 Existing Customer
Product Code: RR500012609180
Pepper48 Existing Customer
Product Code: RR200012609180
Pepper48 Existing Customer
Product Code: RR500012609185
Pepper48 Existing Customer
Product Code: RR200012609185
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
Product Code: RR500022609175
Pepper36 Existing Customer
Product Code: RR200022609175
Pepper36 Existing Customer
Product Code: RR500022609180
Pepper36 Existing Customer
Product Code: RR200022609180
Pepper36 Existing Customer
Product Code: RR500022609185
Pepper36 Existing Customer
Product Code: RR200022609185
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
Product Code: RR500032609175
Pepper24 Existing Customer
Product Code: RR200032609175
Pepper24 Existing Customer
Product Code: RR500032609180
Pepper24 Existing Customer
Product Code: RR200032609180
Pepper24 Existing Customer
Product Code: RR500032609185
Pepper24 Existing Customer
Product Code: RR200032609185
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: RD500012609175
Pepper24 DMP
(Remortgage only)
Product Code: RD500072609175
Pepper24 DMP
Product Code: RD500022609175
Pepper24 DMP
(Remortgage only)
Product Code: RD500082609175
Pepper24 DMP
Product Code: RD300012609175
Pepper24 DMP
(Remortgage only)
Product Code: RD300042609175
Pepper24 DMP
Product Code: RD200012609175
Pepper24 DMP
(Remortgage only)
Product Code: RD200072609175
Pepper24 DMP
Product Code: RD200022609175
Pepper24 DMP
(Remortgage only)
Product Code: RD200082609175
Pepper24 DMP
Product Code: RD500012609180
Pepper24 DMP
(Remortgage only)
Product Code: RD500072609180
Pepper24 DMP
Product Code: RD500022609180
Pepper24 DMP
(Remortgage only)
Product Code: RD500082609180
Pepper24 DMP
Product Code: RD300012609180
Pepper24 DMP
(Remortgage only)
Product Code: RD300042609180
Pepper24 DMP
Product Code: RD200012609180
Pepper24 DMP
(Remortgage only)
Product Code: RD200072609180
Pepper24 DMP
Product Code: RD200022609180
Pepper24 DMP
(Remortgage only)
Product Code: RD200082609180
Pepper24 DMP
Product Code: RD500012609185
Pepper24 DMP
(Remortgage only)
Product Code: RD500072609185
Pepper24 DMP
Product Code: RD500022609185
Pepper24 DMP
(Remortgage only)
Product Code: RD500082609185
Pepper24 DMP
Product Code: RD300012609185
Pepper24 DMP
(Remortgage only)
Product Code: RD300042609185
Pepper24 DMP
Product Code: RD200012609185
Pepper24 DMP
(Remortgage only)
Product Code: RD200072609185
Pepper24 DMP
Product Code: RD200022609185
Pepper24 DMP
(Remortgage only)
Product Code: RD200082609185
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: RD500032609170
Pepper18 DMP
(Remortgage only)
Product Code: RD500092609170
Pepper18 DMP
Product Code: RD500042609170
Pepper18 DMP
(Remortgage only)
Product Code: RD500102609170
Pepper18 DMP
Product Code: RD300022609170
Pepper18 DMP
(Remortgage only)
Product Code: RD300052609170
Pepper18 DMP
Product Code: RD200032609170
Pepper18 DMP
(Remortgage only)
Product Code: RD200092609170
Pepper18 DMP
Product Code: RD200042609170
Pepper18 DMP
(Remortgage only)
Product Code: RD200102609170
Pepper18 DMP
Product Code: RD500032609175
Pepper18 DMP
(Remortgage only)
Product Code: RD500092609175
Pepper18 DMP
Product Code: RD500042609175
Pepper18 DMP
(Remortgage only)
Product Code: RD500102609175
Pepper18 DMP
Product Code: RD300022609175
Pepper18 DMP
(Remortgage only)
Product Code: RD300052609175
Pepper18 DMP
Product Code: RD200032609175
Pepper18 DMP
(Remortgage only)
Product Code: RD200092609175
Pepper18 DMP
Product Code: RD200042609175
Pepper18 DMP
(Remortgage only)
Product Code: RD200102609175
Pepper18 DMP
Product Code: RD500032609180
Pepper18 DMP
(Remortgage only)
Product Code: RD500092609180
Pepper18 DMP
Product Code: RD500042609180
Pepper18 DMP
(Remortgage only)
Product Code: RD500102609180
Pepper18 DMP
Product Code: RD300022609180
Pepper18 DMP
(Remortgage only)
Product Code: RD300052609180
Pepper18 DMP
Product Code: RD200032609180
Pepper18 DMP
(Remortgage only)
Product Code: RD200092609180
Pepper18 DMP
Product Code: RD200042609180
Pepper18 DMP
(Remortgage only)
Product Code: RD200102609180
Pepper18 DMP
Product Code: RD500032609185
Pepper18 DMP
(Remortgage only)
Product Code: RD500092609185
Pepper18 DMP
Product Code: RD500042609185
Pepper18 DMP
(Remortgage only)
Product Code: RD500102609185
Pepper18 DMP
Product Code: RD300022609185
Pepper18 DMP
(Remortgage only)
Product Code: RD300052609185
Pepper18 DMP
Product Code: RD200032609185
Pepper18 DMP
(Remortgage only)
Product Code: RD200092609185
Pepper18 DMP
Product Code: RD200042609185
Pepper18 DMP
(Remortgage only)
Product Code: RD200102609185
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: RD500052609170
Pepper12 DMP
(Remortgage only)
Product Code: RD500112609170
Pepper12 DMP
Product Code: RD500062609170
Pepper12 DMP
(Remortgage only)
Product Code: RD500122609170
Pepper12 DMP
Product Code: RD300032609170
Pepper12 DMP
(Remortgage only)
Product Code: RD300062609170
Pepper12 DMP
Product Code: RD200052609170
Pepper12 DMP
(Remortgage only)
Product Code: RD200112609170
Pepper12 DMP
Product Code: RD200062609170
Pepper12 DMP
(Remortgage only)
Product Code: RD200122609170
Pepper12 DMP
Product Code: RD500052609175
Pepper12 DMP
(Remortgage only)
Product Code: RD500112609175
Pepper12 DMP
Product Code: RD500062609175
Pepper12 DMP
(Remortgage only)
Product Code: RD500122609175
Pepper12 DMP
Product Code: RD300032609175
Pepper12 DMP
(Remortgage only)
Product Code: RD300062609175
Pepper12 DMP
Product Code: RD200052609175
Pepper12 DMP
(Remortgage only)
Product Code: RD200112609175
Pepper12 DMP
Product Code: RD200062609175
Pepper12 DMP
(Remortgage only)
Product Code: RD200122609175
Pepper12 DMP
Product Code: RD500052609180
Pepper12 DMP
(Remortgage only)
Product Code: RD500112609180
Pepper12 DMP
Product Code: RD500062609180
Pepper12 DMP
(Remortgage only)
Product Code: RD500122609180
Pepper12 DMP
Product Code: RD300032609180
Pepper12 DMP
(Remortgage only)
Product Code: RD300062609180
Pepper12 DMP
Product Code: RD200052609180
Pepper12 DMP
(Remortgage only)
Product Code: RD200112609180
Pepper12 DMP
Product Code: RD200062609180
Pepper12 DMP
(Remortgage only)
Product Code: RD200122609180
Pepper12 DMP
Product Code: RD500052609185
Pepper12 DMP
(Remortgage only)
Product Code: RD500112609185
Pepper12 DMP
Product Code: RD500062609185
Pepper12 DMP
(Remortgage only)
Product Code: RD500122609185
Pepper12 DMP
Product Code: RD300032609185
Pepper12 DMP
(Remortgage only)
Product Code: RD300062609185
Pepper12 DMP
Product Code: RD200052609185
Pepper12 DMP
(Remortgage only)
Product Code: RD200112609185
Pepper12 DMP
Product Code: RD200062609185
Pepper12 DMP
(Remortgage only)
Product Code: RD200122609185
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: RB500012609175
Pepper24 Bankruptcy and IVA
Product Code: RB200012609175
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: RB500022609175
Pepper12 Bankruptcy and IVA
Product Code: RB200022609175
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.
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