Residential Mortgage Products

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. 

Up to 85% LTV

Available up to 85% LTV

Unsecured credit

Unsecured credit never affects product tier

No value limits

No value limit on CCJs and defaults; no need for them to be satisfied

Capital raising up to max LTV

Raise capital for any legal purpose, including debt consolidation up to our 85% LTV

Helping the self-employed

One year’s self-employed trading or most recent year's accounts accepted

Boosting affordability

Multiple income streams and 100% of monthly bonuses, overtime & commission accepted. Plus, maximum term of 40yrs

Residential Mortgage Products Rates & Criteria

We’ve made finding the right product for your customer even easier. You can can either view the product tables below or use our product finder to help narrow down your search.

Pepper Residential

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • 75%
  • 6.19%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 75%
  • 6.19%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.34%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.34%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.49%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.49%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.49%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.49%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 75%
  • 6.74%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 6.74%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.89%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.89%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.04%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.04%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 6.24%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 6.24%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.39%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.39%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.54%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.54%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.59%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.59%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 80%
  • 6.84%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 6.84%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.99%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.99%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.14%
  • £0
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.14%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 6.99%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 6.99%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.14%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.14%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.29%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.29%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.64%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.64%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 85%
  • 7.89%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 7.89%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.04%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.04%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.19%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.19%
  • £0
  • 4.40%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • 75%
  • 6.29%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 75%
  • 6.29%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.44%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.44%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.59%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.59%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.59%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.59%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 75%
  • 6.84%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 6.84%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.99%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.99%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.14%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.14%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 6.34%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 6.34%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.49%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.49%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.64%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.64%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.69%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.69%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 80%
  • 6.94%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 6.94%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.09%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.09%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.24%
  • £0
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.24%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 7.09%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 7.09%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.24%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.24%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.39%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.39%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.74%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.74%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 85%
  • 7.99%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 7.99%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.14%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.14%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.29%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.29%
  • £0
  • 4.40%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • 75%
  • 6.29%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 75%
  • 6.29%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.44%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.44%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.59%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.59%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.49%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.49%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 75%
  • 6.74%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 6.74%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.89%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.89%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.04%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.04%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 6.34%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 6.34%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.49%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.49%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.64%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.64%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.59%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.59%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 80%
  • 6.84%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 6.84%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.99%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.99%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.14%
  • £0
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.14%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 7.09%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 7.09%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.24%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.24%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.39%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.39%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.64%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.64%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 85%
  • 7.89%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 7.89%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.04%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.04%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.19%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.19%
  • £0
  • 4.40%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • 75%
  • 6.39%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 75%
  • 6.39%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.54%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.54%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.69%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.69%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.59%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.59%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 75%
  • 6.84%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 6.84%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.99%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.99%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.14%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.14%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 6.44%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 6.44%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.59%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.59%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.74%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.74%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.69%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.69%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 80%
  • 6.94%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 6.94%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.09%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.09%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.24%
  • £0
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.24%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 7.19%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 7.19%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.34%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.34%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.49%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.49%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.74%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.74%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 85%
  • 7.99%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 7.99%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.14%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.14%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.29%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.29%
  • £0
  • 4.40%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • 75%
  • 6.59%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 75%
  • 6.59%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.74%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.74%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.89%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.89%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.84%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.84%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 75%
  • 6.89%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 6.89%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.04%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.04%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.19%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.19%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 6.64%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 6.64%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.79%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.79%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.94%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.94%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.94%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.94%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 80%
  • 6.99%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 6.99%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.14%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.14%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.29%
  • £0
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.29%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 7.54%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 7.54%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.69%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.69%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.84%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.84%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.89%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.89%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 85%
  • 8.09%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.09%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.24%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.24%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.39%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.39%
  • £0
  • 4.40%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • 75%
  • 6.69%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 75%
  • 6.69%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.84%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.84%
  • £795
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.99%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.99%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.94%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.94%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 75%
  • 6.99%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 6.99%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.14%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.14%
  • £795
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.29%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.29%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 6.74%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 6.74%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.89%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.89%
  • £795
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.04%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.04%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.04%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.04%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 80%
  • 7.09%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.09%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.24%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.24%
  • £795
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.39%
  • £0
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.39%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 7.64%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 7.64%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.79%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.79%
  • £795
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.94%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.94%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 85%
  • 7.99%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.99%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 85%
  • 8.19%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.19%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.34%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.34%
  • £795
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.49%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.49%
  • £0
  • 4.40%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Cashback
  • 75%
  • 6.74%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.74%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.89%
  • £795
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.89%
  • £795
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.04%
  • £0
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.04%
  • £0
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.09%
  • £1495
  • 4.20%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.09%
  • £1495
  • 4.20%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.24%
  • £795
  • 4.20%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.24%
  • £795
  • 4.20%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.39%
  • £0
  • 4.20%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.39%
  • £0
  • 4.20%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 6.89%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 6.89%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.04%
  • £795
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.04%
  • £795
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.19%
  • £0
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.19%
  • £0
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.29%
  • £1495
  • 4.45%
  • 3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 7.29%
  • £1495
  • 4.45%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.44%
  • £795
  • 4.45%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.44%
  • £795
  • 4.45%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.59%
  • £0
  • 4.45%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.59%
  • £0
  • 4.45%
  • 3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.09%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 8.09%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.24%
  • £795
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.24%
  • £795
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.39%
  • £0
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.39%
  • £0
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.24%
  • £1495
  • 4.70%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.24%
  • £1495
  • 4.70%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.39%
  • £795
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.39%
  • £795
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.54%
  • £0
  • 4.70%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.54%
  • £0
  • 4.70%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Cashback
  • 75%
  • 6.84%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.84%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.99%
  • £795
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.99%
  • £795
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.14%
  • £0
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.14%
  • £0
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.19%
  • £1495
  • 4.20%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.19%
  • £1495
  • 4.20%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.34%
  • £795
  • 4.20%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.34%
  • £795
  • 4.20%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.49%
  • £0
  • 4.20%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.49%
  • £0
  • 4.20%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 6.99%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 6.99%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.14%
  • £795
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.14%
  • £795
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.29%
  • £0
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.29%
  • £0
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.39%
  • £1495
  • 4.45%
  • 3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 7.39%
  • £1495
  • 4.45%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.54%
  • £795
  • 4.45%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.54%
  • £795
  • 4.45%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.69%
  • £0
  • 4.45%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.69%
  • £0
  • 4.45%
  • 3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.19%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 8.19%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.34%
  • £795
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.34%
  • £795
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.49%
  • £0
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.49%
  • £0
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.34%
  • £1495
  • 4.70%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.34%
  • £1495
  • 4.70%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.49%
  • £795
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.49%
  • £795
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.64%
  • £0
  • 4.70%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.64%
  • £0
  • 4.70%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Cashback
  • 75%
  • 6.89%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.89%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.04%
  • £795
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.04%
  • £795
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.19%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.19%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.29%
  • £1495
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.29%
  • £1495
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.44%
  • £795
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.44%
  • £795
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.59%
  • £0
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.59%
  • £0
  • 4.60%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.14%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 7.14%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.29%
  • £795
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.29%
  • £795
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.44%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.44%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.69%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 7.69%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.84%
  • £795
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.84%
  • £795
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.99%
  • £0
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.99%
  • £0
  • 4.85%
  • 3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.49%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 8.49%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.64%
  • £795
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.64%
  • £795
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.79%
  • £0
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.79%
  • £0
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.74%
  • £1495
  • 5.00%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.74%
  • £1495
  • 5.00%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.89%
  • £795
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.89%
  • £795
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 9.04%
  • £0
  • 5.00%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 9.04%
  • £0
  • 5.00%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Cashback
  • 75%
  • 6.99%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.99%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.14%
  • £795
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.14%
  • £795
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.29%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.29%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.39%
  • £1495
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.39%
  • £1495
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.54%
  • £795
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.54%
  • £795
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.69%
  • £0
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.69%
  • £0
  • 4.60%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.24%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 7.24%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.39%
  • £795
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.39%
  • £795
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.54%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.54%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.79%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 7.79%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.94%
  • £795
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.94%
  • £795
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 8.09%
  • £0
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 8.09%
  • £0
  • 4.85%
  • 3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.59%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 8.59%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.74%
  • £795
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.74%
  • £795
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.89%
  • £0
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.89%
  • £0
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.84%
  • £1495
  • 5.00%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.84%
  • £1495
  • 5.00%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.99%
  • £795
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.99%
  • £795
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 9.14%
  • £0
  • 5.00%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 9.14%
  • £0
  • 5.00%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • 70%
  • 7.24%
  • £1495
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 70%
  • 7.24%
  • £1495
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 70%
  • 7.39%
  • £795
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.39%
  • £795
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.54%
  • £0
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 70%
  • 7.54%
  • £0
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 70%
  • 7.54%
  • £1495
  • 4.35%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.69%
  • £795
  • 4.35%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 70%
  • 7.69%
  • £795
  • 4.35%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.84%
  • £0
  • 4.35%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 70%
  • 7.84%
  • £0
  • 4.35%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 7.34%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 75%
  • 7.34%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.49%
  • £795
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.49%
  • £795
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.64%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.64%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.64%
  • £1495
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.79%
  • £795
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.79%
  • £795
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.94%
  • £0
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.94%
  • £0
  • 4.60%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.54%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 7.54%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.69%
  • £795
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.69%
  • £795
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.84%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.84%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.94%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 8.09%
  • £795
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 8.09%
  • £795
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 8.24%
  • £0
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 8.24%
  • £0
  • 4.85%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard

Credit Criteria
CCJs: None
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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • 70%
  • 7.34%
  • £1495
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 70%
  • 7.34%
  • £1495
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 70%
  • 7.49%
  • £795
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.49%
  • £795
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.64%
  • £0
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 70%
  • 7.64%
  • £0
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 70%
  • 7.64%
  • £1495
  • 4.35%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 70%
  • 7.64%
  • £1495
  • 4.35%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.79%
  • £795
  • 4.35%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 70%
  • 7.79%
  • £795
  • 4.35%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.94%
  • £0
  • 4.35%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 70%
  • 7.94%
  • £0
  • 4.35%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 7.44%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 75%
  • 7.44%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.59%
  • £795
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.59%
  • £795
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.74%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.74%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.74%
  • £1495
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.74%
  • £1495
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.89%
  • £795
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.89%
  • £795
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 8.04%
  • £0
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 8.04%
  • £0
  • 4.60%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.64%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 7.64%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.79%
  • £795
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.79%
  • £795
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.94%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.94%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 8.04%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 8.04%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 8.19%
  • £795
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 8.19%
  • £795
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 8.34%
  • £0
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 8.34%
  • £0
  • 4.85%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Pepper Existing Customers

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.29%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.84%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.34%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.94%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.09%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.99%
  • £0
  • 4.40%
  • 3%,2%

One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.39%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.84%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.44%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.94%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.19%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.99%
  • £0
  • 4.40%
  • 3%,2%

One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.69%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.99%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.74%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.09%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 7.64%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.19%
  • £0
  • 4.40%
  • 3%,2%

One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.

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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Pepper DMP (Debt Management Plan)

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Cashback
  • 75%
  • 6.99%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.99%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.29%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.29%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • 75%
  • 7.24%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • 75%
  • 7.24%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 75%
  • 7.29%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.29%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.59%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.59%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 7.04%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.04%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.34%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.34%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • 80%
  • 7.34%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • 80%
  • 7.34%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 80%
  • 7.39%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.39%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.69%
  • £0
  • 4.15%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.69%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 7.94%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 7.94%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.24%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.24%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • 85%
  • 8.29%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • 85%
  • 8.29%
  • £1495
  • 4.40%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 85%
  • 8.49%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.49%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.79%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.79%
  • £0
  • 4.40%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

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
Reposessions: 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:

  • Must have been active for a minimum of 12 months
  • Must be able to provide proof of satisfactory payments from DMP provider
  • If active, doesn’t have to be repaid at completion
  • For remortgages, capital raising can be considered to clear the DMP
  • No more than 1 active DMP per application

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Cashback
  • 75%
  • 7.14%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 7.14%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.44%
  • £0
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.44%
  • £0
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • 75%
  • 7.29%
  • £1495
  • 4.20%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • 75%
  • 7.29%
  • £1495
  • 4.20%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 75%
  • 7.49%
  • £1495
  • 4.20%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.49%
  • £1495
  • 4.20%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.79%
  • £0
  • 4.20%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.79%
  • £0
  • 4.20%
  • 3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 7.29%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.29%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.59%
  • £0
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.59%
  • £0
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • 80%
  • 7.49%
  • £1495
  • 4.45%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • 80%
  • 7.49%
  • £1495
  • 4.45%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 80%
  • 7.69%
  • £1495
  • 4.45%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.69%
  • £1495
  • 4.45%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.99%
  • £0
  • 4.45%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.99%
  • £0
  • 4.45%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 8.49%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.49%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.79%
  • £0
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.79%
  • £0
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • 85%
  • 8.59%
  • £1495
  • 4.70%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • 85%
  • 8.59%
  • £1495
  • 4.70%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 85%
  • 8.64%
  • £1495
  • 4.70%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.64%
  • £1495
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.94%
  • £0
  • 4.70%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.94%
  • £0
  • 4.70%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

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
Reposessions: 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:

  • Must have been active for a minimum of 12 months
  • Must be able to provide proof of satisfactory payments from DMP provider
  • If active, doesn’t have to be repaid at completion
  • For remortgages, capital raising can be considered to clear the DMP
  • No more than 1 active DMP per application

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Cashback
  • 75%
  • 7.29%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 7.29%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.59%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.59%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • 75%
  • 7.49%
  • £1495
  • 4.60%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • 75%
  • 7.49%
  • £1495
  • 4.60%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 75%
  • 7.69%
  • £1495
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.69%
  • £1495
  • 4.60%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.99%
  • £0
  • 4.60%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.99%
  • £0
  • 4.60%
  • 3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 7.54%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.54%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.84%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.84%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • 80%
  • 7.89%
  • £1495
  • 4.85%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • 80%
  • 7.89%
  • £1495
  • 4.85%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 80%
  • 8.09%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 8.09%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 8.39%
  • £0
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 8.39%
  • £0
  • 4.85%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 8.89%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.89%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 9.19%
  • £0
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 9.19%
  • £0
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • 85%
  • 8.99%
  • £1495
  • 5.00%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • 85%
  • 8.99%
  • £1495
  • 5.00%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 85%
  • 9.14%
  • £1495
  • 5.00%
  • 3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 9.14%
  • £1495
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 9.44%
  • £0
  • 5.00%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 9.44%
  • £0
  • 5.00%
  • 3%,2%

Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.

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
Reposessions: 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:

  • Must have been active for a minimum of 12 months
  • Must be able to provide proof of satisfactory payments from DMP provider
  • If active, doesn’t have to be repaid at completion
  • For remortgages, capital raising can be considered to clear the DMP
  • No more than 1 active DMP per application

Pepper Bankruptcy & IVA

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • 75%
  • 7.69%
  • £1295
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • 75%
  • 7.99%
  • £1295
  • 4.60%
  • 3%,2%
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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • 75%
  • 7.99%
  • £1295
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • 75%
  • 8.39%
  • £1295
  • 4.60%
  • 3%,2%
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
Reposessions: None in last 6 years
Debt Management Plan: Considered if satisfied over 12 months ago

Pepper Residential Criteria

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