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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.
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
Try our easy to use product finder
Residential Mortgage Product Rates and Criteria
- For Intermediary use only
- January 2025
- LMR = 5.60% (As of 14th November 2024)
- For Intermediary use only
- January 2025
- LMR = 5.60% (As of 14th November 2024)
Residential
Pepper48 Light - Suitable for customers that haven’t had a Default in the last 48 months and who have never had a CCJ
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 75%
- 5.74%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 75%
- 5.74%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 5.89%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 5.89%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.04%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.04%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 75%
- 5.94%
- £1495
- 3.90%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 75%
- 5.94%
- £1495
- 3.90%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 75%
- 6.04%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- -
- 75%
- 6.04%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.19%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.19%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.34%
- £0
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.34%
- £0
- 3.90%
- 3%,2%
- 5 Years
- Cashback
- -
- 80%
- 6.14%
- £1495
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 80%
- 6.14%
- £1495
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 6.29%
- £795
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.29%
- £795
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 6.44%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.44%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 3 Years
- Free Legals
- Free Valuation
- 80%
- 6.34%
- £1495
- 4.15%
- 3%,2%,1%
- 3 Years
- Cashback
- Free Valuation
- 80%
- 6.34%
- £1495
- 4.15%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 80%
- 6.44%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- -
- 80%
- 6.44%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.59%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.59%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.74%
- £0
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.74%
- £0
- 4.15%
- 3%,2%
- 5 Years
- Free Legals
- -
- 85%
- 6.54%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 85%
- 6.54%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.69%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.69%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.84%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.84%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 85%
- 6.74%
- £1495
- 4.40%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 85%
- 6.74%
- £1495
- 4.40%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 85%
- 6.84%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- -
- 85%
- 6.84%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 6.99%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 6.99%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.14%
- £0
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.14%
- £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 |
Pepper48 - Suitable for customers that haven’t had a CCJ or Default in the last 48 months
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 75%
- 5.84%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 75%
- 5.84%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 5.99%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 5.99%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.14%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.14%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 75%
- 6.04%
- £1495
- 3.90%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 75%
- 6.04%
- £1495
- 3.90%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 75%
- 6.14%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- -
- 75%
- 6.14%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.29%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.29%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.44%
- £0
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.44%
- £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
- Cashback
- Free Valuation
- 80%
- 6.54%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.54%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 3 Years
- Free Legals
- Free Valuation
- 80%
- 6.44%
- £1495
- 4.15%
- 3%,2%,1%
- 3 Years
- Cashback
- Free Valuation
- 80%
- 6.44%
- £1495
- 4.15%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 80%
- 6.54%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- -
- 80%
- 6.54%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.69%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.69%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.84%
- £0
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.84%
- £0
- 4.15%
- 3%,2%
- 5 Years
- Free Legals
- -
- 85%
- 6.64%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 85%
- 6.64%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.79%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.79%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.94%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.94%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 85%
- 6.84%
- £1495
- 4.40%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 85%
- 6.84%
- £1495
- 4.40%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 85%
- 6.94%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- -
- 85%
- 6.94%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.09%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.09%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.24%
- £0
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.24%
- £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 |
Pepper36 Light - Suitable for customers that haven’t had a Default in the last 36 months and who have never had a CCJ
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 75%
- 6.04%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 75%
- 6.04%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.19%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.19%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.34%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.34%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 75%
- 6.24%
- £1495
- 3.90%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 75%
- 6.24%
- £1495
- 3.90%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 75%
- 6.34%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- -
- 75%
- 6.34%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.49%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.49%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.64%
- £0
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.64%
- £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
- Cashback
- Free Valuation
- 80%
- 6.54%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.54%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 3 Years
- Free Legals
- Free Valuation
- 80%
- 6.44%
- £1495
- 4.15%
- 3%,2%,1%
- 3 Years
- Cashback
- Free Valuation
- 80%
- 6.44%
- £1495
- 4.15%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 80%
- 6.54%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- -
- 80%
- 6.54%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.69%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.69%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.84%
- £0
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.84%
- £0
- 4.15%
- 3%,2%
- 5 Years
- Free Legals
- -
- 85%
- 6.69%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 85%
- 6.69%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.84%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.84%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.99%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.99%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 85%
- 6.84%
- £1495
- 4.40%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 85%
- 6.84%
- £1495
- 4.40%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 85%
- 6.99%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- -
- 85%
- 6.99%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.14%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.14%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.29%
- £0
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.29%
- £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: | 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 |
Pepper36 - Suitable for customers that haven’t had a CCJ or Default in the last 36 months
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 75%
- 6.14%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 75%
- 6.14%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.29%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.29%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.44%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.44%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 75%
- 6.34%
- £1495
- 3.90%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 75%
- 6.34%
- £1495
- 3.90%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 75%
- 6.44%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- -
- 75%
- 6.44%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.59%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.59%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.74%
- £0
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.74%
- £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
- Cashback
- Free Valuation
- 80%
- 6.64%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.64%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 3 Years
- Free Legals
- Free Valuation
- 80%
- 6.54%
- £1495
- 4.15%
- 3%,2%,1%
- 3 Years
- Cashback
- Free Valuation
- 80%
- 6.54%
- £1495
- 4.15%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 80%
- 6.64%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- -
- 80%
- 6.64%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.79%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.79%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.94%
- £0
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.94%
- £0
- 4.15%
- 3%,2%
- 5 Years
- Free Legals
- -
- 85%
- 6.79%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 85%
- 6.79%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.94%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.94%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 7.09%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 7.09%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 85%
- 6.94%
- £1495
- 4.40%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 85%
- 6.94%
- £1495
- 4.40%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 85%
- 7.09%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- -
- 85%
- 7.09%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.24%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.24%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.39%
- £0
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.39%
- £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: | 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 |
Pepper24 Light - Suitable for customers that haven’t had a Default in the last 24 months and who have never had a CCJ
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 75%
- 6.24%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 75%
- 6.24%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.39%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.39%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.54%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.54%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 75%
- 6.44%
- £1495
- 3.90%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 75%
- 6.44%
- £1495
- 3.90%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 75%
- 6.54%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- -
- 75%
- 6.54%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.69%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.69%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.84%
- £0
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.84%
- £0
- 3.90%
- 3%,2%
- 5 Years
- Cashback
- -
- 80%
- 6.39%
- £1495
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 80%
- 6.39%
- £1495
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 6.54%
- £795
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.54%
- £795
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 6.69%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.69%
- £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
- Free Legals
- -
- 80%
- 6.69%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- -
- 80%
- 6.69%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.84%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.84%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.99%
- £0
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.99%
- £0
- 4.15%
- 3%,2%
- 5 Years
- Free Legals
- -
- 85%
- 7.04%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 85%
- 7.04%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 7.19%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 7.19%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 7.34%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 7.34%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 85%
- 7.34%
- £1495
- 4.40%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 85%
- 7.34%
- £1495
- 4.40%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 85%
- 7.44%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- -
- 85%
- 7.44%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.59%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.59%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.74%
- £0
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.74%
- £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 |
Pepper24 - Suitable for customers that haven’t had a CCJ or Default in the last 24 months
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 75%
- 6.34%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 75%
- 6.34%
- £1495
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.49%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.49%
- £795
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.64%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.64%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 75%
- 6.54%
- £1495
- 3.90%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 75%
- 6.54%
- £1495
- 3.90%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 75%
- 6.64%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- -
- 75%
- 6.64%
- £1495
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.79%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.79%
- £795
- 3.90%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.94%
- £0
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.94%
- £0
- 3.90%
- 3%,2%
- 5 Years
- Cashback
- -
- 80%
- 6.49%
- £1495
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 80%
- 6.49%
- £1495
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 6.64%
- £795
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.64%
- £795
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 6.79%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.79%
- £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
- Free Legals
- -
- 80%
- 6.79%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- -
- 80%
- 6.79%
- £1495
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 6.94%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.94%
- £795
- 4.15%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.09%
- £0
- 4.15%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.09%
- £0
- 4.15%
- 3%,2%
- 5 Years
- Free Legals
- -
- 85%
- 7.14%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 85%
- 7.14%
- £1495
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 7.29%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 7.29%
- £795
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 7.44%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 7.44%
- £0
- 4.40%
- 4%,4%,3%,3%,2%
- 3 Years
- Cashback
- Free Valuation
- 85%
- 7.44%
- £1495
- 4.40%
- 3%,2%,1%
- 3 Years
- Free Legals
- Free Valuation
- 85%
- 7.44%
- £1495
- 4.40%
- 3%,2%,1%
- 2 Years
- Free Legals
- -
- 85%
- 7.54%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- -
- 85%
- 7.54%
- £1495
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.69%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.69%
- £795
- 4.40%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.84%
- £0
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.84%
- £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 |
Pepper18 Light - Suitable for customers that haven’t had a Default in the last 18 months and who have never had a CCJ
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 70%
- 6.45%
- £1495
- 4.05%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 70%
- 6.45%
- £1495
- 4.05%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 6.60%
- £795
- 4.05%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 6.60%
- £795
- 4.05%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 6.75%
- £0
- 4.05%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 6.75%
- £0
- 4.05%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 70%
- 6.70%
- £1495
- 4.05%
- 3%,2%
- 2 Years
- Free Legals
- -
- 70%
- 6.70%
- £1495
- 4.05%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 6.85%
- £795
- 4.05%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 6.85%
- £795
- 4.05%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 7.00%
- £0
- 4.05%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 7.00%
- £0
- 4.05%
- 3%,2%
- 5 Years
- Cashback
- -
- 75%
- 6.50%
- £1495
- 4.20%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 75%
- 6.50%
- £1495
- 4.20%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.65%
- £795
- 4.20%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.65%
- £795
- 4.20%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.80%
- £0
- 4.20%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.80%
- £0
- 4.20%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 75%
- 6.75%
- £1495
- 4.20%
- 3%,2%
- 2 Years
- Free Legals
- -
- 75%
- 6.75%
- £1495
- 4.20%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.90%
- £795
- 4.20%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.90%
- £795
- 4.20%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.05%
- £0
- 4.20%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.05%
- £0
- 4.20%
- 3%,2%
- 5 Years
- Free Legals
- -
- 80%
- 6.80%
- £1495
- 4.45%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 80%
- 6.80%
- £1495
- 4.45%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.95%
- £795
- 4.45%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 6.95%
- £795
- 4.45%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.10%
- £0
- 4.45%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.10%
- £0
- 4.45%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 80%
- 7.15%
- £1495
- 4.45%
- 3%,2%
- 2 Years
- Free Legals
- -
- 80%
- 7.15%
- £1495
- 4.45%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.30%
- £795
- 4.45%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.30%
- £795
- 4.45%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.45%
- £0
- 4.45%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.45%
- £0
- 4.45%
- 3%,2%
- 5 Years
- Cashback
- -
- 85%
- 7.64%
- £1495
- 4.70%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 85%
- 7.64%
- £1495
- 4.70%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 7.79%
- £795
- 4.70%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 7.79%
- £795
- 4.70%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 7.94%
- £0
- 4.70%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 7.94%
- £0
- 4.70%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 85%
- 7.74%
- £1495
- 4.70%
- 3%,2%
- 2 Years
- Free Legals
- -
- 85%
- 7.74%
- £1495
- 4.70%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.89%
- £795
- 4.70%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.89%
- £795
- 4.70%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 8.04%
- £0
- 4.70%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 8.04%
- £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 |
Pepper18 - Suitable for customers that haven’t had a CCJ or Default in the last 18 months
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 70%
- 6.55%
- £1495
- 4.05%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 70%
- 6.55%
- £1495
- 4.05%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 6.70%
- £795
- 4.05%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 6.70%
- £795
- 4.05%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 6.85%
- £0
- 4.05%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 6.85%
- £0
- 4.05%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 70%
- 6.80%
- £1495
- 4.05%
- 3%,2%
- 2 Years
- Free Legals
- -
- 70%
- 6.80%
- £1495
- 4.05%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 6.95%
- £795
- 4.05%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 6.95%
- £795
- 4.05%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 7.10%
- £0
- 4.05%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 7.10%
- £0
- 4.05%
- 3%,2%
- 5 Years
- Cashback
- -
- 75%
- 6.60%
- £1495
- 4.20%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 75%
- 6.60%
- £1495
- 4.20%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.75%
- £795
- 4.20%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.75%
- £795
- 4.20%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.90%
- £0
- 4.20%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.90%
- £0
- 4.20%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 75%
- 6.85%
- £1495
- 4.20%
- 3%,2%
- 2 Years
- Free Legals
- -
- 75%
- 6.85%
- £1495
- 4.20%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.00%
- £795
- 4.20%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.00%
- £795
- 4.20%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.15%
- £0
- 4.20%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.15%
- £0
- 4.20%
- 3%,2%
- 5 Years
- Free Legals
- -
- 80%
- 6.90%
- £1495
- 4.45%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 80%
- 6.90%
- £1495
- 4.45%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.05%
- £795
- 4.45%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.05%
- £795
- 4.45%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.20%
- £0
- 4.45%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.20%
- £0
- 4.45%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 80%
- 7.25%
- £1495
- 4.45%
- 3%,2%
- 2 Years
- Free Legals
- -
- 80%
- 7.25%
- £1495
- 4.45%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.40%
- £795
- 4.45%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.40%
- £795
- 4.45%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.55%
- £0
- 4.45%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.55%
- £0
- 4.45%
- 3%,2%
- 5 Years
- Cashback
- -
- 85%
- 7.74%
- £1495
- 4.70%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 85%
- 7.74%
- £1495
- 4.70%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 7.89%
- £795
- 4.70%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 7.89%
- £795
- 4.70%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 8.04%
- £0
- 4.70%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 8.04%
- £0
- 4.70%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 85%
- 7.84%
- £1495
- 4.70%
- 3%,2%
- 2 Years
- Free Legals
- -
- 85%
- 7.84%
- £1495
- 4.70%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.99%
- £795
- 4.70%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.99%
- £795
- 4.70%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 8.14%
- £0
- 4.70%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 8.14%
- £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 |
Pepper12 Light - Suitable for customers that haven’t had a Default in the last 12 months and who have never had a CCJ
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 70%
- 6.60%
- £1495
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 70%
- 6.60%
- £1495
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 6.75%
- £795
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 6.75%
- £795
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 6.90%
- £0
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 6.90%
- £0
- 4.35%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 70%
- 6.85%
- £1495
- 4.35%
- 3%,2%
- 2 Years
- Free Legals
- -
- 70%
- 6.85%
- £1495
- 4.35%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 7.00%
- £795
- 4.35%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 7.00%
- £795
- 4.35%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 7.15%
- £0
- 4.35%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 7.15%
- £0
- 4.35%
- 3%,2%
- 5 Years
- Cashback
- -
- 75%
- 6.65%
- £1495
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 75%
- 6.65%
- £1495
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.80%
- £795
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.80%
- £795
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.95%
- £0
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.95%
- £0
- 4.60%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 75%
- 6.90%
- £1495
- 4.60%
- 3%,2%
- 2 Years
- Free Legals
- -
- 75%
- 6.90%
- £1495
- 4.60%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.05%
- £795
- 4.60%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.05%
- £795
- 4.60%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.20%
- £0
- 4.60%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.20%
- £0
- 4.60%
- 3%,2%
- 5 Years
- Free Legals
- -
- 80%
- 6.95%
- £1495
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 80%
- 6.95%
- £1495
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.10%
- £795
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.10%
- £795
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.25%
- £0
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.25%
- £0
- 4.85%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 80%
- 7.30%
- £1495
- 4.85%
- 3%,2%
- 2 Years
- Free Legals
- -
- 80%
- 7.30%
- £1495
- 4.85%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.45%
- £795
- 4.85%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.45%
- £795
- 4.85%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.60%
- £0
- 4.85%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.60%
- £0
- 4.85%
- 3%,2%
- 5 Years
- Cashback
- -
- 85%
- 7.80%
- £1495
- 5.00%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 85%
- 7.80%
- £1495
- 5.00%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 7.95%
- £795
- 5.00%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 7.95%
- £795
- 5.00%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 8.10%
- £0
- 5.00%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 8.10%
- £0
- 5.00%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 85%
- 8.00%
- £1495
- 5.00%
- 3%,2%
- 2 Years
- Free Legals
- -
- 85%
- 8.00%
- £1495
- 5.00%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 8.15%
- £795
- 5.00%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 8.15%
- £795
- 5.00%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 8.30%
- £0
- 5.00%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 8.30%
- £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 |
Pepper12 - Suitable for customers that haven’t had a CCJ or Default in the last 12 months
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 70%
- 6.70%
- £1495
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 70%
- 6.70%
- £1495
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 6.85%
- £795
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 6.85%
- £795
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 7.00%
- £0
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 7.00%
- £0
- 4.35%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 70%
- 6.95%
- £1495
- 4.35%
- 3%,2%
- 2 Years
- Free Legals
- -
- 70%
- 6.95%
- £1495
- 4.35%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 7.10%
- £795
- 4.35%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 7.10%
- £795
- 4.35%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 7.25%
- £0
- 4.35%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 7.25%
- £0
- 4.35%
- 3%,2%
- 5 Years
- Cashback
- -
- 75%
- 6.75%
- £1495
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 75%
- 6.75%
- £1495
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.90%
- £795
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.90%
- £795
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 7.05%
- £0
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 7.05%
- £0
- 4.60%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 75%
- 7.00%
- £1495
- 4.60%
- 3%,2%
- 2 Years
- Free Legals
- -
- 75%
- 7.00%
- £1495
- 4.60%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.15%
- £795
- 4.60%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.15%
- £795
- 4.60%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.30%
- £0
- 4.60%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.30%
- £0
- 4.60%
- 3%,2%
- 5 Years
- Free Legals
- -
- 80%
- 7.05%
- £1495
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 80%
- 7.05%
- £1495
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.20%
- £795
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.20%
- £795
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.35%
- £0
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.35%
- £0
- 4.85%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 80%
- 7.40%
- £1495
- 4.85%
- 3%,2%
- 2 Years
- Free Legals
- -
- 80%
- 7.40%
- £1495
- 4.85%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.55%
- £795
- 4.85%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.55%
- £795
- 4.85%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.70%
- £0
- 4.85%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.70%
- £0
- 4.85%
- 3%,2%
- 5 Years
- Cashback
- -
- 85%
- 7.90%
- £1495
- 5.00%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 85%
- 7.90%
- £1495
- 5.00%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 8.05%
- £795
- 5.00%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 8.05%
- £795
- 5.00%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 8.20%
- £0
- 5.00%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 8.20%
- £0
- 5.00%
- 4%,4%,3%,3%,2%
- 2 Years
- Cashback
- -
- 85%
- 8.10%
- £1495
- 5.00%
- 3%,2%
- 2 Years
- Free Legals
- -
- 85%
- 8.10%
- £1495
- 5.00%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 8.25%
- £795
- 5.00%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 8.25%
- £795
- 5.00%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 8.40%
- £0
- 5.00%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 8.40%
- £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 |
Pepper6 Light - Suitable for customers that haven’t had a Default in the last 6 months and who have never had a CCJ
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 70%
- 6.75%
- £1495
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 70%
- 6.75%
- £1495
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 6.90%
- £795
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 6.90%
- £795
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 7.05%
- £0
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 7.05%
- £0
- 4.35%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- -
- 70%
- 7.00%
- £1495
- 4.35%
- 3%,2%
- 2 Years
- Cashback
- -
- 70%
- 7.00%
- £1495
- 4.35%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 7.15%
- £795
- 4.35%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 7.15%
- £795
- 4.35%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 7.30%
- £0
- 4.35%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 7.30%
- £0
- 4.35%
- 3%,2%
- 5 Years
- Cashback
- -
- 75%
- 6.80%
- £1495
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 75%
- 6.80%
- £1495
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.95%
- £795
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.95%
- £795
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 7.10%
- £0
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 7.10%
- £0
- 4.60%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- -
- 75%
- 7.05%
- £1495
- 4.60%
- 3%,2%
- 2 Years
- Cashback
- -
- 75%
- 7.05%
- £1495
- 4.60%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.20%
- £795
- 4.60%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.20%
- £795
- 4.60%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.35%
- £0
- 4.60%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.35%
- £0
- 4.60%
- 3%,2%
- 5 Years
- Free Legals
- -
- 80%
- 7.30%
- £1495
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 80%
- 7.30%
- £1495
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.45%
- £795
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.45%
- £795
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.60%
- £0
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.60%
- £0
- 4.85%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- -
- 80%
- 7.50%
- £1495
- 4.85%
- 3%,2%
- 2 Years
- Cashback
- -
- 80%
- 7.50%
- £1495
- 4.85%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.65%
- £795
- 4.85%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.65%
- £795
- 4.85%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.80%
- £0
- 4.85%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.80%
- £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 |
Pepper6 - Suitable for customers that haven’t had a CCJ or Default in the last 6 months
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- -
- 70%
- 6.85%
- £1495
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 70%
- 6.85%
- £1495
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 7.00%
- £795
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 7.00%
- £795
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 70%
- 7.15%
- £0
- 4.35%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 70%
- 7.15%
- £0
- 4.35%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- -
- 70%
- 7.10%
- £1495
- 4.35%
- 3%,2%
- 2 Years
- Cashback
- -
- 70%
- 7.10%
- £1495
- 4.35%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 7.25%
- £795
- 4.35%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 7.25%
- £795
- 4.35%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 70%
- 7.40%
- £0
- 4.35%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 70%
- 7.40%
- £0
- 4.35%
- 3%,2%
- 5 Years
- Cashback
- -
- 75%
- 6.90%
- £1495
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- -
- 75%
- 6.90%
- £1495
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 7.05%
- £795
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 7.05%
- £795
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 7.20%
- £0
- 4.60%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 7.20%
- £0
- 4.60%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- -
- 75%
- 7.15%
- £1495
- 4.60%
- 3%,2%
- 2 Years
- Cashback
- -
- 75%
- 7.15%
- £1495
- 4.60%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.30%
- £795
- 4.60%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.30%
- £795
- 4.60%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 7.45%
- £0
- 4.60%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 7.45%
- £0
- 4.60%
- 3%,2%
- 5 Years
- Free Legals
- -
- 80%
- 7.40%
- £1495
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- -
- 80%
- 7.40%
- £1495
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.55%
- £795
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.55%
- £795
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 7.70%
- £0
- 4.85%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 80%
- 7.70%
- £0
- 4.85%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- -
- 80%
- 7.60%
- £1495
- 4.85%
- 3%,2%
- 2 Years
- Cashback
- -
- 80%
- 7.60%
- £1495
- 4.85%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.75%
- £795
- 4.85%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.75%
- £795
- 4.85%
- 3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 7.90%
- £0
- 4.85%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 80%
- 7.90%
- £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 |
Residential - Limited Edition (Remortgages Only)
Pepper48 Light Limited Edition - (remortgage only) - Suitable for customers that haven’t had a Default in the last 48 months and who have never had a CCJ
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 5.89%
- £995
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 5.89%
- £995
- 3.90%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.19%
- £995
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.19%
- £995
- 3.90%
- 3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.69%
- £995
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.69%
- £995
- 4.40%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 6.99%
- £995
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 6.99%
- £995
- 4.40%
- 3%,2%
No App Fee
*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 |
Pepper48 Limited Edition - (remortgage only) - Suitable for customers that haven’t had a CCJ or Default in the last 48 months
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 5.99%
- £995
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 5.99%
- £995
- 3.90%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.29%
- £995
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.29%
- £995
- 3.90%
- 3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.79%
- £995
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.79%
- £995
- 4.40%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.09%
- £995
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.09%
- £995
- 4.40%
- 3%,2%
No App Fee
*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 |
Pepper36 Light Limited Edition - (remortgage only) - Suitable for customers that haven’t had a Default in the last 36 months and who have never had a CCJ
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.19%
- £995
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.19%
- £995
- 3.90%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.49%
- £995
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.49%
- £995
- 3.90%
- 3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.84%
- £995
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.84%
- £995
- 4.40%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.14%
- £995
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.14%
- £995
- 4.40%
- 3%,2%
No App Fee
*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 |
Pepper36 Limited Edition - (remortgage only) - Suitable for customers that haven’t had a CCJ or Default in the last 36 months
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 6.29%
- £995
- 3.90%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 75%
- 6.29%
- £995
- 3.90%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.59%
- £995
- 3.90%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 75%
- 6.59%
- £995
- 3.90%
- 3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 85%
- 6.94%
- £995
- 4.40%
- 4%,4%,3%,3%,2%
- 5 Years
- Cashback
- Free Valuation
- 85%
- 6.94%
- £995
- 4.40%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 85%
- 7.24%
- £995
- 4.40%
- 3%,2%
- 2 Years
- Cashback
- Free Valuation
- 85%
- 7.24%
- £995
- 4.40%
- 3%,2%
No App Fee
*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 |
Existing Customers (Remortgages Only)
Pepper48 Existing Customer - (remortgage only) - Suitable for customers that haven’t had a CCJ or Default in the last 48 months
Product
Term
Incentive
Free Valuation
LTV
Initial Rate
Comp Fee
Reversion Rates
(LMR +)
ERC
- 5 Years
- Free Legals
- Free Valuation
- 75%
- 5.84%
- £0
- 3.90%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 75%
- 6.14%
- £0
- 3.90%
- 3%,2%
- 5 Years
- Free Legals
- Free Valuation
- 80%
- 6.24%
- £0
- 4.15%
- 4%,4%,3%,3%,2%
- 2 Years
- Free Legals
- Free Valuation
- 80%
- 6.54%
- £0
- 4.15%
- 3%,2%