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, existing homeowners looking to consolidate their debts and existing customers wishing to stay with Pepper. Our range of specialist mortgages could be the answer.

Our product range is structured around your customer’s most recent financial event including CCJs, defaults and secured missed payments. 

Up to 85% LTV

Available up to 85% LTV including on our Pepper 36 Light range

Unsecured Credit

Unsecured credit never affects product tier

No value limits

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

Interest Only Options

Interest only up to 60% LTV with no amendments to criteria

Helping self-employed

One year’s self-employed trading accepted

Wide age brackets

Earned income accepted to age 75

Residential Mortgage 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
  • Cashback
  • 75%
  • 6.29%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.29%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.49%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.49%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.59%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.59%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 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
  • Cashback
  • Free Valuation
  • 75%
  • 7.04%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 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%
  • 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%
  • 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%
  • 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
  • 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
  • Cashback
  • 85%
  • 7.89%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 7.89%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.19%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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
  • Cashback
  • 75%
  • 6.39%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.39%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.59%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.59%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.69%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.69%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 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
  • Cashback
  • Free Valuation
  • 75%
  • 7.14%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 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%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.74%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.74%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 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%
  • 7.24%
  • £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
  • 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
  • Cashback
  • 85%
  • 7.99%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 7.99%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.29%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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
  • Cashback
  • 75%
  • 6.29%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.29%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.49%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.49%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.59%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.59%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 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
  • Cashback
  • Free Valuation
  • 75%
  • 7.04%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 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%
  • 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%
  • 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%
  • 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
  • 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
  • Cashback
  • 85%
  • 7.89%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 7.89%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.19%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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
  • Cashback
  • 75%
  • 6.39%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.39%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.59%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.59%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.69%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.69%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 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
  • Cashback
  • Free Valuation
  • 75%
  • 7.14%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 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%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.74%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.74%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 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%
  • 7.24%
  • £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
  • 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
  • Cashback
  • 85%
  • 7.99%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 7.99%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.29%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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
  • Cashback
  • 75%
  • 6.69%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.69%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.84%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.84%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 75%
  • 6.89%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 6.89%
  • £1495
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.99%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.99%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.19%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.19%
  • £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%
  • 3 Years
  • Cashback
  • Free Valuation
  • 80%
  • 6.94%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 6.94%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 80%
  • 6.99%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 6.99%
  • £1495
  • 4.15%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.04%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.04%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.29%
  • £0
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.29%
  • £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%
  • 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%
  • 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%
  • 2 Years
  • Cashback
  • 85%
  • 8.09%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.09%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.39%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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
  • Cashback
  • 75%
  • 6.79%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.79%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.94%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 3 Years
  • Cashback
  • Free Valuation
  • 75%
  • 6.94%
  • £1495
  • 3.90%
  • 3%,2%,1%
  • 2 Years
  • Cashback
  • 75%
  • 6.99%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 6.99%
  • £1495
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.09%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.09%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.29%
  • £0
  • 3.90%
  • 3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.29%
  • £0
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 6.84%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 6.84%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 3 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.04%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 3 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.04%
  • £1495
  • 4.15%
  • 3%,2%,1%
  • 2 Years
  • Free Legals
  • 80%
  • 7.09%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 7.09%
  • £1495
  • 4.15%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.14%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.14%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.39%
  • £0
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.39%
  • £0
  • 4.15%
  • 3%,2%
  • 5 Years
  • Free Legals
  • 85%
  • 7.74%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 7.74%
  • £1495
  • 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%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.04%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.04%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.19%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.19%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.49%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 6.84%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.84%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.09%
  • £1495
  • 4.20%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.09%
  • £1495
  • 4.20%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.14%
  • £0
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.14%
  • £0
  • 4.20%
  • 4%,4%,3%,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
  • Cashback
  • 80%
  • 6.99%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 6.99%
  • £1495
  • 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%
  • 7.29%
  • £1495
  • 4.45%
  • 3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 7.29%
  • £1495
  • 4.45%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.29%
  • £0
  • 4.45%
  • 4%,4%,3%,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
  • Free Legals
  • 85%
  • 8.19%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.19%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.24%
  • £1495
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.24%
  • £1495
  • 4.70%
  • 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
  • Cashback
  • Free Valuation
  • 85%
  • 8.54%
  • £0
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 6.94%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 6.94%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.19%
  • £1495
  • 4.20%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.19%
  • £1495
  • 4.20%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.24%
  • £0
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.24%
  • £0
  • 4.20%
  • 4%,4%,3%,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
  • Cashback
  • 80%
  • 7.09%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.09%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.39%
  • £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%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.39%
  • £0
  • 4.45%
  • 4%,4%,3%,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
  • Free Legals
  • 85%
  • 8.29%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.29%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.34%
  • £1495
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.34%
  • £1495
  • 4.70%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.59%
  • £0
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.59%
  • £0
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.64%
  • £0
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 6.99%
  • £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
  • Cashback
  • Free Valuation
  • 75%
  • 7.29%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.29%
  • £1495
  • 4.60%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.29%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.29%
  • £1495
  • 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
  • Cashback
  • 80%
  • 7.24%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.24%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.54%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.54%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 7.69%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.69%
  • £1495
  • 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
  • Free Legals
  • 85%
  • 8.59%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.59%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.74%
  • £1495
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.74%
  • £1495
  • 5.00%
  • 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
  • Cashback
  • Free Valuation
  • 85%
  • 9.04%
  • £0
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 7.09%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 7.09%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.39%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.39%
  • £1495
  • 4.60%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.39%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.39%
  • £1495
  • 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
  • Cashback
  • 80%
  • 7.34%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.34%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.64%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.64%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 7.79%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.79%
  • £1495
  • 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
  • Free Legals
  • 85%
  • 8.69%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.69%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.84%
  • £1495
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.84%
  • £1495
  • 5.00%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.99%
  • £0
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.99%
  • £0
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 9.14%
  • £0
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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
  • Cashback
  • 70%
  • 7.34%
  • £1495
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 70%
  • 7.34%
  • £1495
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 70%
  • 7.54%
  • £1495
  • 4.35%
  • 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
  • Free Legals
  • Free Valuation
  • 70%
  • 7.84%
  • £0
  • 4.35%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.84%
  • £0
  • 4.35%
  • 3%,2%
  • 5 Years
  • Cashback
  • 75%
  • 7.44%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 7.44%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.64%
  • £1495
  • 4.60%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.74%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.74%
  • £0
  • 4.60%
  • 4%,4%,3%,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%
  • 7.64%
  • £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%
  • 7.94%
  • £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%
  • 7.94%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 8.24%
  • £0
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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
  • Cashback
  • 70%
  • 7.44%
  • £1495
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 70%
  • 7.44%
  • £1495
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 70%
  • 7.64%
  • £1495
  • 4.35%
  • 3%,2%
  • 2 Years
  • Cashback
  • 70%
  • 7.64%
  • £1495
  • 4.35%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.74%
  • £0
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 70%
  • 7.74%
  • £0
  • 4.35%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 70%
  • 7.94%
  • £0
  • 4.35%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 70%
  • 7.94%
  • £0
  • 4.35%
  • 3%,2%
  • 5 Years
  • Cashback
  • 75%
  • 7.54%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 7.54%
  • £1495
  • 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%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.84%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.84%
  • £0
  • 4.60%
  • 4%,4%,3%,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%
  • 7.74%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 80%
  • 7.74%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 8.04%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 8.04%
  • £1495
  • 4.85%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 8.04%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 8.04%
  • £1495
  • 4.85%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 80%
  • 8.34%
  • £0
  • 4.85%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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

Our previous product table layout is still available if you’d rather view products that way.

Pepper Existing Customers

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 6.39%
  • £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%

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%

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%
  • 6.79%
  • £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%
  • 6.84%
  • £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%
  • 7.74%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.19%
  • £0
  • 4.40%
  • 3%,2%

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%
  • 7.09%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 7.09%
  • £1495
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.29%
  • £1495
  • 3.90%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.29%
  • £1495
  • 3.90%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.39%
  • £0
  • 3.90%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.39%
  • £0
  • 3.90%
  • 4%,4%,3%,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%
  • 7.14%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.14%
  • £1495
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.39%
  • £1495
  • 4.15%
  • 3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 7.39%
  • £1495
  • 4.15%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.44%
  • £0
  • 4.15%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.44%
  • £0
  • 4.15%
  • 4%,4%,3%,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%
  • 8.04%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.04%
  • £1495
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.34%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.34%
  • £0
  • 4.40%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.49%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.49%
  • £1495
  • 4.40%
  • 3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.79%
  • £0
  • 4.40%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 7.24%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 7.24%
  • £1495
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.49%
  • £1495
  • 4.20%
  • 3%,2%
  • 2 Years
  • Cashback
  • 75%
  • 7.49%
  • £1495
  • 4.20%
  • 3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.54%
  • £0
  • 4.20%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.54%
  • £0
  • 4.20%
  • 4%,4%,3%,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%
  • 7.39%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.39%
  • £1495
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.69%
  • £0
  • 4.45%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 80%
  • 7.69%
  • £1495
  • 4.45%
  • 3%,2%
  • 2 Years
  • Cashback
  • 80%
  • 7.69%
  • £1495
  • 4.45%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.69%
  • £0
  • 4.45%
  • 4%,4%,3%,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%
  • 8.59%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.59%
  • £1495
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 8.64%
  • £1495
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 8.64%
  • £1495
  • 4.70%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 8.89%
  • £0
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.89%
  • £0
  • 4.70%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 8.94%
  • £0
  • 4.70%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 7.39%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 75%
  • 7.39%
  • £1495
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 75%
  • 7.69%
  • £0
  • 4.60%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Free Legals
  • 75%
  • 7.69%
  • £1495
  • 4.60%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 75%
  • 7.69%
  • £0
  • 4.60%
  • 4%,4%,3%,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%
  • 7.64%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • 80%
  • 7.64%
  • £1495
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 80%
  • 7.94%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 80%
  • 7.94%
  • £0
  • 4.85%
  • 4%,4%,3%,3%,2%
  • 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%
  • 8.99%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • 85%
  • 8.99%
  • £1495
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • 85%
  • 9.14%
  • £1495
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 85%
  • 9.14%
  • £1495
  • 5.00%
  • 3%,2%
  • 5 Years
  • Free Legals
  • Free Valuation
  • 85%
  • 9.29%
  • £0
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 5 Years
  • Cashback
  • Free Valuation
  • 85%
  • 9.29%
  • £0
  • 5.00%
  • 4%,4%,3%,3%,2%
  • 2 Years
  • Cashback
  • Free Valuation
  • 85%
  • 9.44%
  • £0
  • 5.00%
  • 3%,2%
  • 2 Years
  • Free Legals
  • 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%
  • 7.79%
  • £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%
  • 8.09%
  • £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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