Residential
Helping you to succeed
We can help you place more specialist Residential mortgage customers, whether they’re first-time buyers with no credit history, self-employed with one year’s trading history, or existing homeowners looking to consolidate their debts.
Our inclusive range of specialist mortgages, combined with our quick turnarounds and direct access to underwriters could be the answer. Our products are structured for simplicity, with tiers based on your customer’s most recently registered adverse credit including CCJs, defaults and secured missed payments.
A little extra flex
Thanks to Pepper Flex, we can say ‘yes’ to more of your customers – with a modest uplift to the completion fee
Unsecured credit
Unsecured credit never affects product tier
Capital raising up to our max LTV
Raise capital for any legal purpose, including debt consolidation up to our max 90% LTV
Helping the self-employed
One year’s self-employed trading or most recent year's accounts accepted
No credit score
Suitable for your customers who may miss credit scoring thresholds
No value limits on CCJs & defaults
No value limit on CCJs and defaults; no need for them to be satisfied
Try our easy to use product finder
Residential Mortgage Product Rates and Criteria
- For Intermediary use only
- June 2026
- LMR = 4.25% (As of 15th January 2026)
Residential - STandard range
Pepper48 LightSuitable for customers: with no Default in the last 48 months 
never had a CCJ
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Light
Product Code: R5001826062
Pepper48 Light
(Remortgage only)
Product Code: R5090626062
Pepper48 Light
Product Code: R5002226062
Pepper48 Light
(Remortgage only)
Product Code: R5091026062
Pepper48 Light
Product Code: R5002626062
Pepper48 Light
(Remortgage only)
Product Code: R5091826062
Pepper48 Light
Product Code: R3001326071
Pepper48 Light
(Remortgage only)
Product Code: R3090126071
Pepper48 Light
Product Code: R2000126071
Pepper48 Light
(Remortgage only)
Product Code: R2088126071
Pepper48 Light
Product Code: R2000526071
Pepper48 Light
(Remortgage only)
Product Code: R2088526071
Pepper48 Light
Product Code: R2000926071
Pepper48 Light
(Remortgage only)
Product Code: R2089326071
Pepper48 Light
Product Code: R5001926062
Pepper48 Light
(Remortgage only)
Product Code: R5090726062
Pepper48 Light
Product Code: R5002326062
Pepper48 Light
(Remortgage only)
Product Code: R5091226062
Pepper48 Light
Product Code: R5002726062
Pepper48 Light
(Remortgage only)
Product Code: R5092026062
Pepper48 Light
Product Code: R3001426071
Pepper48 Light
(Remortgage only)
Product Code: R3090226071
Pepper48 Light
Product Code: R2000226071
Pepper48 Light
(Remortgage only)
Product Code: R2088226071
Pepper48 Light
Product Code: R2000626071
Pepper48 Light
(Remortgage only)
Product Code: R2088726071
Pepper48 Light
Product Code: R2001026071
Pepper48 Light
(Remortgage only)
Product Code: R2089526071
Pepper48 Light
Product Code: R5002026062
Pepper48 Light
(Remortgage only)
Product Code: R5090826062
Pepper48 Light
Product Code: R5002426062
Pepper48 Light
(Remortgage only)
Product Code: R5091426062
Pepper48 Light
Product Code: R5002826062
Pepper48 Light
(Remortgage only)
Product Code: R5092226062
Pepper48 Light
Product Code: R3001526071
Pepper48 Light
(Remortgage only)
Product Code: R3090326071
Pepper48 Light
Product Code: R2000326071
Pepper48 Light
(Remortgage only)
Product Code: R2088326071
Pepper48 Light
Product Code: R2000726071
Pepper48 Light
(Remortgage only)
Product Code: R2088926071
Pepper48 Light
Product Code: R2001126071
Pepper48 Light
(Remortgage only)
Product Code: R2089726071
Pepper48 Light
Product Code: R5002126062
Pepper48 Light
(Remortgage only)
Product Code: R5090926062
Pepper48 Light
Product Code: R5002526062
Pepper48 Light
(Remortgage only)
Product Code: R5091626062
Pepper48 Light
Product Code: R5002926062
Pepper48 Light
(Remortgage only)
Product Code: R5092426062
Pepper48 Light
Product Code: R2000426071
Pepper48 Light
(Remortgage only)
Product Code: R2088426071
Pepper48 Light
Product Code: R2000826071
Pepper48 Light
(Remortgage only)
Product Code: R2089126071
Pepper48 Light
Product Code: R2001226071
Pepper48 Light
(Remortgage only)
Product Code: R2089926071
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Pepper48
Product Code: R5004526062
Pepper48
(Remortgage only)
Product Code: R5094926062
Pepper48
Product Code: R5004926062
Pepper48
(Remortgage only)
Product Code: R5095326062
Pepper48
Product Code: R5005326062
Pepper48
(Remortgage only)
Product Code: R5096126062
Pepper48
Product Code: R3004226071
Pepper48
(Remortgage only)
Product Code: R3094626071
Pepper48
Product Code: R2003026071
Pepper48
(Remortgage only)
Product Code: R2092626071
Pepper48
Product Code: R2003426071
Pepper48
(Remortgage only)
Product Code: R2093026071
Pepper48
Product Code: R2003826071
Pepper48
(Remortgage only)
Product Code: R2093826071
Pepper48
Product Code: R5004626062
Pepper48
(Remortgage only)
Product Code: R5095026062
Pepper48
Product Code: R5005026062
Pepper48
(Remortgage only)
Product Code: R5095526062
Pepper48
Product Code: R5005426062
Pepper48
(Remortgage only)
Product Code: R5096326062
Pepper48
Product Code: R3004326071
Pepper48
(Remortgage only)
Product Code: R3094726071
Pepper48
Product Code: R2003126071
Pepper48
(Remortgage only)
Product Code: R2092726071
Pepper48
Product Code: R2003526071
Pepper48
(Remortgage only)
Product Code: R2093226071
Pepper48
Product Code: R2003926071
Pepper48
(Remortgage only)
Product Code: R2094026071
Pepper48
Product Code: R5004726062
Pepper48
(Remortgage only)
Product Code: R5095126062
Pepper48
Product Code: R5005126062
Pepper48
(Remortgage only)
Product Code: R5095726062
Pepper48
Product Code: R5005526062
Pepper48
(Remortgage only)
Product Code: R5096526062
Pepper48
Product Code: R3004426071
Pepper48
(Remortgage only)
Product Code: R3094826071
Pepper48
Product Code: R2003226071
Pepper48
(Remortgage only)
Product Code: R2092826071
Pepper48
Product Code: R2003626071
Pepper48
(Remortgage only)
Product Code: R2093426071
Pepper48
Product Code: R2004026071
Pepper48
(Remortgage only)
Product Code: R2094226071
Pepper48
Product Code: R5004826062
Pepper48
(Remortgage only)
Product Code: R5095226062
Pepper48
Product Code: R5005226062
Pepper48
(Remortgage only)
Product Code: R5095926062
Pepper48
Product Code: R5005626062
Pepper48
(Remortgage only)
Product Code: R5096726062
Pepper48
Product Code: R2003326071
Pepper48
(Remortgage only)
Product Code: R2092926071
Pepper48
Product Code: R2003726071
Pepper48
(Remortgage only)
Product Code: R2093626071
Pepper48
Product Code: R2004126071
Pepper48
(Remortgage only)
Product Code: R2094426071
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months never had a CCJ
Suitable for customers: with no Default in the last 36 months never had a CCJ
Pepper36 Light
Product Code: R5007226071
Pepper36 Light
(Remortgage only)
Product Code: R5099226071
Pepper36 Light
Product Code: R5007626071
Pepper36 Light
(Remortgage only)
Product Code: R5099626071
Pepper36 Light
Product Code: R5008026071
Pepper36 Light
(Remortgage only)
Product Code: R5100426071
Pepper36 Light
Product Code: R3006926071
Pepper36 Light
(Remortgage only)
Product Code: R3098926071
Pepper36 Light
Product Code: R2005726071
Pepper36 Light
(Remortgage only)
Product Code: R2096926071
Pepper36 Light
Product Code: R2006126071
Pepper36 Light
(Remortgage only)
Product Code: R2097326071
Pepper36 Light
Product Code: R2006526071
Pepper36 Light
(Remortgage only)
Product Code: R2098126071
Pepper36 Light
Product Code: R5007326071
Pepper36 Light
(Remortgage only)
Product Code: R5099326071
Pepper36 Light
Product Code: R5007726071
Pepper36 Light
(Remortgage only)
Product Code: R5099826071
Pepper36 Light
Product Code: R5008126071
Pepper36 Light
(Remortgage only)
Product Code: R5100626071
Pepper36 Light
Product Code: R3007026071
Pepper36 Light
(Remortgage only)
Product Code: R3099026071
Pepper36 Light
Product Code: R2005826071
Pepper36 Light
(Remortgage only)
Product Code: R2097026071
Pepper36 Light
Product Code: R2006226071
Pepper36 Light
(Remortgage only)
Product Code: R2097526071
Pepper36 Light
Product Code: R2006626071
Pepper36 Light
(Remortgage only)
Product Code: R2098326071
Pepper36 Light
Product Code: R5007426071
Pepper36 Light
(Remortgage only)
Product Code: R5099426071
Pepper36 Light
Product Code: R5007826071
Pepper36 Light
(Remortgage only)
Product Code: R5100026071
Pepper36 Light
Product Code: R5008226071
Pepper36 Light
(Remortgage only)
Product Code: R5100826071
Pepper36 Light
Product Code: R3007126071
Pepper36 Light
(Remortgage only)
Product Code: R3099126071
Pepper36 Light
Product Code: R2005926071
Pepper36 Light
(Remortgage only)
Product Code: R2097126071
Pepper36 Light
Product Code: R2006326071
Pepper36 Light
(Remortgage only)
Product Code: R2097726071
Pepper36 Light
Product Code: R2006726071
Pepper36 Light
(Remortgage only)
Product Code: R2098526071
Pepper36 Light
Product Code: R5007526071
Pepper36 Light
(Remortgage only)
Product Code: R5099526071
Pepper36 Light
Product Code: R5007926071
Pepper36 Light
(Remortgage only)
Product Code: R5100226071
Pepper36 Light
Product Code: R5008326071
Pepper36 Light
(Remortgage only)
Product Code: R5101026071
Pepper36 Light
Product Code: R2006026071
Pepper36 Light
(Remortgage only)
Product Code: R2097226071
Pepper36 Light
Product Code: R2006426071
Pepper36 Light
(Remortgage only)
Product Code: R2097926071
Pepper36 Light
Product Code: R2006826071
Pepper36 Light
(Remortgage only)
Product Code: R2098726071
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36
Product Code: R5009926071
Pepper36
(Remortgage only)
Product Code: R5103526071
Pepper36
Product Code: R5010326071
Pepper36
(Remortgage only)
Product Code: R5103926071
Pepper36
Product Code: R5010726071
Pepper36
(Remortgage only)
Product Code: R5104726071
Pepper36
Product Code: R3009626071
Pepper36
(Remortgage only)
Product Code: R3103226071
Pepper36
Product Code: R2008426071
Pepper36
(Remortgage only)
Product Code: R2101226071
Pepper36
Product Code: R2008826071
Pepper36
(Remortgage only)
Product Code: R2101626071
Pepper36
Product Code: R2009226071
Pepper36
(Remortgage only)
Product Code: R2102426071
Pepper36
Product Code: R5010026071
Pepper36
(Remortgage only)
Product Code: R5103626071
Pepper36
Product Code: R5010426071
Pepper36
(Remortgage only)
Product Code: R5104126071
Pepper36
Product Code: R5010826071
Pepper36
(Remortgage only)
Product Code: R5104926071
Pepper36
Product Code: R3009726071
Pepper36
(Remortgage only)
Product Code: R3103326071
Pepper36
Product Code: R2008526071
Pepper36
(Remortgage only)
Product Code: R2101326071
Pepper36
Product Code: R2008926071
Pepper36
(Remortgage only)
Product Code: R2101826071
Pepper36
Product Code: R2009326071
Pepper36
(Remortgage only)
Product Code: R2102626071
Pepper36
Product Code: R5010126071
Pepper36
(Remortgage only)
Product Code: R5103726071
Pepper36
Product Code: R5010526071
Pepper36
(Remortgage only)
Product Code: R5104326071
Pepper36
Product Code: R5010926071
Pepper36
(Remortgage only)
Product Code: R5105126071
Pepper36
Product Code: R3009826071
Pepper36
(Remortgage only)
Product Code: R3103426071
Pepper36
Product Code: R2008626071
Pepper36
(Remortgage only)
Product Code: R2101426071
Pepper36
Product Code: R2009026071
Pepper36
(Remortgage only)
Product Code: R2102026071
Pepper36
Product Code: R2009426071
Pepper36
(Remortgage only)
Product Code: R2102826071
Pepper36
Product Code: R5010226071
Pepper36
(Remortgage only)
Product Code: R5103826071
Pepper36
Product Code: R5010626071
Pepper36
(Remortgage only)
Product Code: R5104526071
Pepper36
Product Code: R5011026071
Pepper36
(Remortgage only)
Product Code: R5105326071
Pepper36
Product Code: R2008726071
Pepper36
(Remortgage only)
Product Code: R2101526071
Pepper36
Product Code: R2009126071
Pepper36
(Remortgage only)
Product Code: R2102226071
Pepper36
Product Code: R2009526071
Pepper36
(Remortgage only)
Product Code: R2103026071
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months never had a CCJ
Suitable for customers: with no Default in the last 24 months never had a CCJ
Pepper24 Light
Product Code: R5012326062
Pepper24 Light
(Remortgage only)
Product Code: R5107326062
Pepper24 Light
Product Code: R5012626062
Pepper24 Light
(Remortgage only)
Product Code: R5107626062
Pepper24 Light
Product Code: R5012926062
Pepper24 Light
(Remortgage only)
Product Code: R5108226062
Pepper24 Light
Product Code: R3012026071
Pepper24 Light
(Remortgage only)
Product Code: R3107026071
Pepper24 Light
Product Code: R2011126071
Pepper24 Light
(Remortgage only)
Product Code: R2105526071
Pepper24 Light
Product Code: R2011426071
Pepper24 Light
(Remortgage only)
Product Code: R2105826071
Pepper24 Light
Product Code: R2011726071
Pepper24 Light
(Remortgage only)
Product Code: R2106426071
Pepper24 Light
Product Code: R5012426062
Pepper24 Light
(Remortgage only)
Product Code: R5107426062
Pepper24 Light
Product Code: R5012726062
Pepper24 Light
(Remortgage only)
Product Code: R5107826062
Pepper24 Light
Product Code: R5013026062
Pepper24 Light
(Remortgage only)
Product Code: R5108426062
Pepper24 Light
Product Code: R3012126071
Pepper24 Light
(Remortgage only)
Product Code: R3107126071
Pepper24 Light
Product Code: R2011226071
Pepper24 Light
(Remortgage only)
Product Code: R2105626071
Pepper24 Light
Product Code: R2011526071
Pepper24 Light
(Remortgage only)
Product Code: R2106026071
Pepper24 Light
Product Code: R2011826071
Pepper24 Light
(Remortgage only)
Product Code: R2106626071
Pepper24 Light
Product Code: R5012526062
Pepper24 Light
(Remortgage only)
Product Code: R5107526062
Pepper24 Light
Product Code: R5012826062
Pepper24 Light
(Remortgage only)
Product Code: R5108026062
Pepper24 Light
Product Code: R5013126062
Pepper24 Light
(Remortgage only)
Product Code: R5108626062
Pepper24 Light
Product Code: R3012226071
Pepper24 Light
(Remortgage only)
Product Code: R3107226071
Pepper24 Light
Product Code: R2011326071
Pepper24 Light
(Remortgage only)
Product Code: R2105726071
Pepper24 Light
Product Code: R2011626071
Pepper24 Light
(Remortgage only)
Product Code: R2106226071
Pepper24 Light
Product Code: R2011926071
Pepper24 Light
(Remortgage only)
Product Code: R2106826071
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24
Product Code: R5014426062
Pepper24
(Remortgage only)
Product Code: R5110626062
Pepper24
Product Code: R5014726062
Pepper24
(Remortgage only)
Product Code: R5110926062
Pepper24
Product Code: R5015026062
Pepper24
(Remortgage only)
Product Code: R5111526062
Pepper24
Product Code: R3014126071
Pepper24
(Remortgage only)
Product Code: R3110326071
Pepper24
Product Code: R2013226071
Pepper24
(Remortgage only)
Product Code: R2108826071
Pepper24
Product Code: R2013526071
Pepper24
(Remortgage only)
Product Code: R2109126071
Pepper24
Product Code: R2013826071
Pepper24
(Remortgage only)
Product Code: R2109726071
Pepper24
Product Code: R5014526062
Pepper24
(Remortgage only)
Product Code: R5110726062
Pepper24
Product Code: R5014826062
Pepper24
(Remortgage only)
Product Code: R5111126062
Pepper24
Product Code: R5015126062
Pepper24
(Remortgage only)
Product Code: R5111726062
Pepper24
Product Code: R3014226071
Pepper24
(Remortgage only)
Product Code: R3110426071
Pepper24
Product Code: R2013326071
Pepper24
(Remortgage only)
Product Code: R2108926071
Pepper24
Product Code: R2013626071
Pepper24
(Remortgage only)
Product Code: R2109326071
Pepper24
Product Code: R2013926071
Pepper24
(Remortgage only)
Product Code: R2109926071
Pepper24
Product Code: R5014626062
Pepper24
(Remortgage only)
Product Code: R5110826062
Pepper24
Product Code: R5014926062
Pepper24
(Remortgage only)
Product Code: R5111326062
Pepper24
Product Code: R5015226062
Pepper24
(Remortgage only)
Product Code: R5111926062
Pepper24
Product Code: R3014326071
Pepper24
(Remortgage only)
Product Code: R3110526071
Pepper24
Product Code: R2013426071
Pepper24
(Remortgage only)
Product Code: R2109026071
Pepper24
Product Code: R2013726071
Pepper24
(Remortgage only)
Product Code: R2109526071
Pepper24
Product Code: R2014026071
Pepper24
(Remortgage only)
Product Code: R2110126071
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months never had a CCJ
Suitable for customers: with no Default in the last 18 months never had a CCJ
Pepper18 Light
Product Code: R5016526062
Pepper18 Light
(Remortgage only)
Product Code: R5114126062
Pepper18 Light
Product Code: R5016926062
Pepper18 Light
(Remortgage only)
Product Code: R5114526062
Pepper18 Light
Product Code: R5017326062
Pepper18 Light
(Remortgage only)
Product Code: R5115326062
Pepper18 Light
Product Code: R2015326062
Pepper18 Light
(Remortgage only)
Product Code: R2112126062
Pepper18 Light
Product Code: R2015726062
Pepper18 Light
(Remortgage only)
Product Code: R2112526062
Pepper18 Light
Product Code: R2016126062
Pepper18 Light
(Remortgage only)
Product Code: R2113326062
Pepper18 Light
Product Code: R5016626062
Pepper18 Light
(Remortgage only)
Product Code: R5114226062
Pepper18 Light
Product Code: R5017026062
Pepper18 Light
(Remortgage only)
Product Code: R5114726062
Pepper18 Light
Product Code: R5017426062
Pepper18 Light
(Remortgage only)
Product Code: R5115526062
Pepper18 Light
Product Code: R2015426062
Pepper18 Light
(Remortgage only)
Product Code: R2112226062
Pepper18 Light
Product Code: R2015826062
Pepper18 Light
(Remortgage only)
Product Code: R2112726062
Pepper18 Light
Product Code: R2016226062
Pepper18 Light
(Remortgage only)
Product Code: R2113526062
Pepper18 Light
Product Code: R5016726062
Pepper18 Light
(Remortgage only)
Product Code: R5114326062
Pepper18 Light
Product Code: R5017126062
Pepper18 Light
(Remortgage only)
Product Code: R5114926062
Pepper18 Light
Product Code: R5017526062
Pepper18 Light
(Remortgage only)
Product Code: R5115726062
Pepper18 Light
Product Code: R2015526062
Pepper18 Light
(Remortgage only)
Product Code: R2112326062
Pepper18 Light
Product Code: R2015926062
Pepper18 Light
(Remortgage only)
Product Code: R2112926062
Pepper18 Light
Product Code: R2016326062
Pepper18 Light
(Remortgage only)
Product Code: R2113726062
Pepper18 Light
Product Code: R5016826062
Pepper18 Light
(Remortgage only)
Product Code: R5114426062
Pepper18 Light
Product Code: R5017226062
Pepper18 Light
(Remortgage only)
Product Code: R5115126062
Pepper18 Light
Product Code: R5017626062
Pepper18 Light
(Remortgage only)
Product Code: R5115926062
Pepper18 Light
Product Code: R2015626062
Pepper18 Light
(Remortgage only)
Product Code: R2112426062
Pepper18 Light
Product Code: R2016026062
Pepper18 Light
(Remortgage only)
Product Code: R2113126062
Pepper18 Light
Product Code: R2016426062
Pepper18 Light
(Remortgage only)
Product Code: R2113926062
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Pepper18
Product Code: R5018926062
Pepper18
(Remortgage only)
Product Code: R5118126062
Pepper18
Product Code: R5019326062
Pepper18
(Remortgage only)
Product Code: R5118526062
Pepper18
Product Code: R5019726062
Pepper18
(Remortgage only)
Product Code: R5119326062
Pepper18
Product Code: R2017726062
Pepper18
(Remortgage only)
Product Code: R2116126062
Pepper18
Product Code: R2018126062
Pepper18
(Remortgage only)
Product Code: R2116526062
Pepper18
Product Code: R2018526062
Pepper18
(Remortgage only)
Product Code: R2117326062
Pepper18
Product Code: R5019026062
Pepper18
(Remortgage only)
Product Code: R5118226062
Pepper18
Product Code: R5019426062
Pepper18
(Remortgage only)
Product Code: R5118726062
Pepper18
Product Code: R5019826062
Pepper18
(Remortgage only)
Product Code: R5119526062
Pepper18
Product Code: R2017826062
Pepper18
(Remortgage only)
Product Code: R2116226062
Pepper18
Product Code: R2018226062
Pepper18
(Remortgage only)
Product Code: R2116726062
Pepper18
Product Code: R2018626062
Pepper18
(Remortgage only)
Product Code: R2117526062
Pepper18
Product Code: R5019126062
Pepper18
(Remortgage only)
Product Code: R5118326062
Pepper18
Product Code: R5019526062
Pepper18
(Remortgage only)
Product Code: R5118926062
Pepper18
Product Code: R5019926062
Pepper18
(Remortgage only)
Product Code: R5119726062
Pepper18
Product Code: R2017926062
Pepper18
(Remortgage only)
Product Code: R2116326062
Pepper18
Product Code: R2018326062
Pepper18
(Remortgage only)
Product Code: R2116926062
Pepper18
Product Code: R2018726062
Pepper18
(Remortgage only)
Product Code: R2117726062
Pepper18
Product Code: R5019226062
Pepper18
(Remortgage only)
Product Code: R5118426062
Pepper18
Product Code: R5019626062
Pepper18
(Remortgage only)
Product Code: R5119126062
Pepper18
Product Code: R5020026062
Pepper18
(Remortgage only)
Product Code: R5119926062
Pepper18
Product Code: R2018026062
Pepper18
(Remortgage only)
Product Code: R2116426062
Pepper18
Product Code: R2018426062
Pepper18
(Remortgage only)
Product Code: R2117126062
Pepper18
Product Code: R2018826062
Pepper18
(Remortgage only)
Product Code: R2117926062
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months never had a CCJ
Suitable for customers: with no Default in the last 12 months never had a CCJ
Pepper12 Light
Product Code: R5021326062
Pepper12 Light
(Remortgage only)
Product Code: R5122126062
Pepper12 Light
Product Code: R5021726062
Pepper12 Light
(Remortgage only)
Product Code: R5122526062
Pepper12 Light
Product Code: R5022126062
Pepper12 Light
(Remortgage only)
Product Code: R5123326062
Pepper12 Light
Product Code: R2020126062
Pepper12 Light
(Remortgage only)
Product Code: R2120126062
Pepper12 Light
Product Code: R2020526062
Pepper12 Light
(Remortgage only)
Product Code: R2120526062
Pepper12 Light
Product Code: R2020926062
Pepper12 Light
(Remortgage only)
Product Code: R2121326062
Pepper12 Light
Product Code: R5021426062
Pepper12 Light
(Remortgage only)
Product Code: R5122226062
Pepper12 Light
Product Code: R5021826062
Pepper12 Light
(Remortgage only)
Product Code: R5122726062
Pepper12 Light
Product Code: R5022226062
Pepper12 Light
(Remortgage only)
Product Code: R5123526062
Pepper12 Light
Product Code: R2020226062
Pepper12 Light
(Remortgage only)
Product Code: R2120226062
Pepper12 Light
Product Code: R2020626062
Pepper12 Light
(Remortgage only)
Product Code: R2120726062
Pepper12 Light
Product Code: R2021026062
Pepper12 Light
(Remortgage only)
Product Code: R2121526062
Pepper12 Light
Product Code: R5021526062
Pepper12 Light
(Remortgage only)
Product Code: R5122326062
Pepper12 Light
Product Code: R5021926062
Pepper12 Light
(Remortgage only)
Product Code: R5122926062
Pepper12 Light
Product Code: R5022326062
Pepper12 Light
(Remortgage only)
Product Code: R5123726062
Pepper12 Light
Product Code: R2020326062
Pepper12 Light
(Remortgage only)
Product Code: R2120326062
Pepper12 Light
Product Code: R2020726062
Pepper12 Light
(Remortgage only)
Product Code: R2120926062
Pepper12 Light
Product Code: R2021126062
Pepper12 Light
(Remortgage only)
Product Code: R2121726062
Pepper12 Light
Product Code: R5021626062
Pepper12 Light
(Remortgage only)
Product Code: R5122426062
Pepper12 Light
Product Code: R5022026062
Pepper12 Light
(Remortgage only)
Product Code: R5123126062
Pepper12 Light
Product Code: R5022426062
Pepper12 Light
(Remortgage only)
Product Code: R5123926062
Pepper12 Light
Product Code: R2020426062
Pepper12 Light
(Remortgage only)
Product Code: R2120426062
Pepper12 Light
Product Code: R2020826062
Pepper12 Light
(Remortgage only)
Product Code: R2121126062
Pepper12 Light
Product Code: R2021226062
Pepper12 Light
(Remortgage only)
Product Code: R2121926062
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Pepper12
Product Code: R5023726062
Pepper12
(Remortgage only)
Product Code: R5126126062
Pepper12
Product Code: R5024126062
Pepper12
(Remortgage only)
Product Code: R5126526062
Pepper12
Product Code: R5024526062
Pepper12
(Remortgage only)
Product Code: R5127326062
Pepper12
Product Code: R2022526062
Pepper12
(Remortgage only)
Product Code: R2124126062
Pepper12
Product Code: R2022926062
Pepper12
(Remortgage only)
Product Code: R2124526062
Pepper12
Product Code: R2023326062
Pepper12
(Remortgage only)
Product Code: R2125326062
Pepper12
Product Code: R5023826062
Pepper12
(Remortgage only)
Product Code: R5126226062
Pepper12
Product Code: R5024226062
Pepper12
(Remortgage only)
Product Code: R5126726062
Pepper12
Product Code: R5024626062
Pepper12
(Remortgage only)
Product Code: R5127526062
Pepper12
Product Code: R2022626062
Pepper12
(Remortgage only)
Product Code: R2124226062
Pepper12
Product Code: R2023026062
Pepper12
(Remortgage only)
Product Code: R2124726062
Pepper12
Product Code: R2023426062
Pepper12
(Remortgage only)
Product Code: R2125526062
Pepper12
Product Code: R5023926062
Pepper12
(Remortgage only)
Product Code: R5126326062
Pepper12
Product Code: R5024326062
Pepper12
(Remortgage only)
Product Code: R5126926062
Pepper12
Product Code: R5024726062
Pepper12
(Remortgage only)
Product Code: R5127726062
Pepper12
Product Code: R2022726062
Pepper12
(Remortgage only)
Product Code: R2124326062
Pepper12
Product Code: R2023126062
Pepper12
(Remortgage only)
Product Code: R2124926062
Pepper12
Product Code: R2023526062
Pepper12
(Remortgage only)
Product Code: R2125726062
Pepper12
Product Code: R5024026062
Pepper12
(Remortgage only)
Product Code: R5126426062
Pepper12
Product Code: R5024426062
Pepper12
(Remortgage only)
Product Code: R5127126062
Pepper12
Product Code: R5024826062
Pepper12
(Remortgage only)
Product Code: R5127926062
Pepper12
Product Code: R2022826062
Pepper12
(Remortgage only)
Product Code: R2124426062
Pepper12
Product Code: R2023226062
Pepper12
(Remortgage only)
Product Code: R2125126062
Pepper12
Product Code: R2023626062
Pepper12
(Remortgage only)
Product Code: R2125926062
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper6 LightSuitable for customers: with no Default in the last 6 months never had a CCJ
Suitable for customers: with no Default in the last 6 months never had a CCJ
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5025826062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5129626062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026126062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5129926062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026426062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5130526062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2024926062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128126062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025226062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128426062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025526062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2129026062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5025926062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5129726062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026226062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5130126062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026526062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5130726062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025026062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128226062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025326062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128626062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025626062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2129226062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026026062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5129826062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026326062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5130326062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026626062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5130926062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025126062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128326062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025426062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128826062
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025726062
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2129426062
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper6Suitable for customers: with no Default in the last 6 months no CCJ in the last 6 months
Suitable for customers: with no Default in the last 6 months no CCJ in the last 6 months
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5027626062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5132626062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5027926062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5132926062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5028226062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5133526062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2026726062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131126062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027026062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131426062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027326062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2132026062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5027726062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5132726062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5028026062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5133126062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5028326062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5133726062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2026826062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131226062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027126062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131626062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027426062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2132226062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5027826062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5132826062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5028126062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5133326062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5028426062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5133926062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2026926062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131326062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027226062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131826062
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027526062
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2132426062
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Try our Residential affordability calculator
Existing Customers (Remortgages only)
Pepper48 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 48 months never had a CCJ
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Existing Customer
Product Code: RR5034726062
Pepper48 Existing Customer
Product Code: RR2034426071
Pepper48 Existing Customer
Product Code: RR5034826062
Pepper48 Existing Customer
Product Code: RR2034526071
Pepper48 Existing Customer
Product Code: RR5034926062
Pepper48 Existing Customer
Product Code: RR2034626071
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36 Existing Customer
Product Code: RR5035326071
Pepper36 Existing Customer
Product Code: RR2035026071
Pepper36 Existing Customer
Product Code: RR5035426071
Pepper36 Existing Customer
Product Code: RR2035126071
Pepper36 Existing Customer
Product Code: RR5035526071
Pepper36 Existing Customer
Product Code: RR2035226071
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 Existing Customer
Product Code: RR5035926062
Pepper24 Existing Customer
Product Code: RR2035626071
Pepper24 Existing Customer
Product Code: RR5036026062
Pepper24 Existing Customer
Product Code: RR2035726071
Pepper24 Existing Customer
Product Code: RR5036126062
Pepper24 Existing Customer
Product Code: RR2035826071
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
DMP (Debt Management Plan)
Pepper24 DMPSuitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 DMP
Product Code: RD5029426062
Pepper24 DMP
(Remortgage only)
Product Code: RD5135326062
Pepper24 DMP
Product Code: RD5029726062
Pepper24 DMP
(Remortgage only)
Product Code: RD5135626062
Pepper24 DMP
Product Code: RD3029126071
Pepper24 DMP
(Remortgage only)
Product Code: RD3135026071
Pepper24 DMP
Product Code: RD2028526071
Pepper24 DMP
(Remortgage only)
Product Code: RD2134126071
Pepper24 DMP
Product Code: RD2028826071
Pepper24 DMP
(Remortgage only)
Product Code: RD2134426071
Pepper24 DMP
Product Code: RD5029526062
Pepper24 DMP
(Remortgage only)
Product Code: RD5135426062
Pepper24 DMP
Product Code: RD5029826062
Pepper24 DMP
(Remortgage only)
Product Code: RD5135826062
Pepper24 DMP
Product Code: RD3029226071
Pepper24 DMP
(Remortgage only)
Product Code: RD3135126071
Pepper24 DMP
Product Code: RD2028626071
Pepper24 DMP
(Remortgage only)
Product Code: RD2134226071
Pepper24 DMP
Product Code: RD2028926071
Pepper24 DMP
(Remortgage only)
Product Code: RD2134626071
Pepper24 DMP
Product Code: RD5029626062
Pepper24 DMP
(Remortgage only)
Product Code: RD5135526062
Pepper24 DMP
Product Code: RD5029926062
Pepper24 DMP
(Remortgage only)
Product Code: RD5136026062
Pepper24 DMP
Product Code: RD3029326071
Pepper24 DMP
(Remortgage only)
Product Code: RD3135226071
Pepper24 DMP
Product Code: RD2028726071
Pepper24 DMP
(Remortgage only)
Product Code: RD2134326071
Pepper24 DMP
Product Code: RD2029026071
Pepper24 DMP
(Remortgage only)
Product Code: RD2134826071
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | For active DMPs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Pepper18 DMPSuitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Pepper18 DMP
Product Code: RD5031226062
Pepper18 DMP
(Remortgage only)
Product Code: RD5137826062
Pepper18 DMP
Product Code: RD5031626062
Pepper18 DMP
(Remortgage only)
Product Code: RD5138226062
Pepper18 DMP
Product Code: RD3030826062
Pepper18 DMP
(Remortgage only)
Product Code: RD3137426062
Pepper18 DMP
Product Code: RD2030026062
Pepper18 DMP
(Remortgage only)
Product Code: RD2136226062
Pepper18 DMP
Product Code: RD2030426062
Pepper18 DMP
(Remortgage only)
Product Code: RD2136626062
Pepper18 DMP
Product Code: RD5031326062
Pepper18 DMP
(Remortgage only)
Product Code: RD5137926062
Pepper18 DMP
Product Code: RD5031726062
Pepper18 DMP
(Remortgage only)
Product Code: RD5138426062
Pepper18 DMP
Product Code: RD3030926062
Pepper18 DMP
(Remortgage only)
Product Code: RD3137526062
Pepper18 DMP
Product Code: RD2030126062
Pepper18 DMP
(Remortgage only)
Product Code: RD2136326062
Pepper18 DMP
Product Code: RD2030526062
Pepper18 DMP
(Remortgage only)
Product Code: RD2136826062
Pepper18 DMP
Product Code: RD5031426062
Pepper18 DMP
(Remortgage only)
Product Code: RD5138026062
Pepper18 DMP
Product Code: RD5031826062
Pepper18 DMP
(Remortgage only)
Product Code: RD5138626062
Pepper18 DMP
Product Code: RD3031026062
Pepper18 DMP
(Remortgage only)
Product Code: RD3137626062
Pepper18 DMP
Product Code: RD2030226062
Pepper18 DMP
(Remortgage only)
Product Code: RD2136426062
Pepper18 DMP
Product Code: RD2030626062
Pepper18 DMP
(Remortgage only)
Product Code: RD2137026062
Pepper18 DMP
Product Code: RD5031526062
Pepper18 DMP
(Remortgage only)
Product Code: RD5138126062
Pepper18 DMP
Product Code: RD5031926062
Pepper18 DMP
(Remortgage only)
Product Code: RD5138826062
Pepper18 DMP
Product Code: RD3031126062
Pepper18 DMP
(Remortgage only)
Product Code: RD3137726062
Pepper18 DMP
Product Code: RD2030326062
Pepper18 DMP
(Remortgage only)
Product Code: RD2136526062
Pepper18 DMP
Product Code: RD2030726062
Pepper18 DMP
(Remortgage only)
Product Code: RD2137226062
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | For active DMPs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Pepper12 DMPSuitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Pepper12 DMP
Product Code: RD5033226062
Pepper12 DMP
(Remortgage only)
Product Code: RD5140626062
Pepper12 DMP
Product Code: RD5033626062
Pepper12 DMP
(Remortgage only)
Product Code: RD5141026062
Pepper12 DMP
Product Code: RD3032826062
Pepper12 DMP
(Remortgage only)
Product Code: RD3140226062
Pepper12 DMP
Product Code: RD2032026062
Pepper12 DMP
(Remortgage only)
Product Code: RD2139026062
Pepper12 DMP
Product Code: RD2032426062
Pepper12 DMP
(Remortgage only)
Product Code: RD2139426062
Pepper12 DMP
Product Code: RD5033326062
Pepper12 DMP
(Remortgage only)
Product Code: RD5140726062
Pepper12 DMP
Product Code: RD5033726062
Pepper12 DMP
(Remortgage only)
Product Code: RD5141226062
Pepper12 DMP
Product Code: RD3032926062
Pepper12 DMP
(Remortgage only)
Product Code: RD3140326062
Pepper12 DMP
Product Code: RD2032126062
Pepper12 DMP
(Remortgage only)
Product Code: RD2139126062
Pepper12 DMP
Product Code: RD2032526062
Pepper12 DMP
(Remortgage only)
Product Code: RD2139626062
Pepper12 DMP
Product Code: RD5033426062
Pepper12 DMP
(Remortgage only)
Product Code: RD5140826062
Pepper12 DMP
Product Code: RD5033826062
Pepper12 DMP
(Remortgage only)
Product Code: RD5141426062
Pepper12 DMP
Product Code: RD3033026062
Pepper12 DMP
(Remortgage only)
Product Code: RD3140426062
Pepper12 DMP
Product Code: RD2032226062
Pepper12 DMP
(Remortgage only)
Product Code: RD2139226062
Pepper12 DMP
Product Code: RD2032626062
Pepper12 DMP
(Remortgage only)
Product Code: RD2139826062
Pepper12 DMP
Product Code: RD5033526062
Pepper12 DMP
(Remortgage only)
Product Code: RD5140926062
Pepper12 DMP
Product Code: RD5033926062
Pepper12 DMP
(Remortgage only)
Product Code: RD5141626062
Pepper12 DMP
Product Code: RD3033126062
Pepper12 DMP
(Remortgage only)
Product Code: RD3140526062
Pepper12 DMP
Product Code: RD2032326062
Pepper12 DMP
(Remortgage only)
Product Code: RD2139326062
Pepper12 DMP
Product Code: RD2032726062
Pepper12 DMP
(Remortgage only)
Product Code: RD2140026062
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | For active DMPs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Bankruptcy & IVA
Pepper24 Bankruptcy and IVASuitable for customers: that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 year ago
Suitable for customers: that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 year ago
Pepper24 Bankruptcy and IVA
Product Code: RB5034126062
Pepper24 Bankruptcy and IVA
Product Code: RB2034026071
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 3 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 Bankruptcy and IVASuitable for customers: that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 year ago
Suitable for customers: that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 year ago
Pepper12 Bankruptcy and IVA
Product Code: RB5034326062
Pepper12 Bankruptcy and IVA
Product Code: RB2034226062
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 3 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Residential Criteria
| Applicant Details | |
|---|---|
| Minimum Age | 21 years |
| Maximum Age | 80 years at end of term. The term cannot extend beyond applicants stated retirement age. Maximum allowable stated retirement age of 75 |
| Maximum Applicants | 2 |
| Employed | Minimum of 3 months in current job with 6 months' continuous employment and not in probation. Evidence of employment history is required to cover last 6 months |
| Self-Employed | Must have been in their current business for a minimum of 12 months and able to supply 1 year's trading accounts |
| Loan Size | |
|---|---|
| Loan Size | |
| Minimum | £25,001 |
| Maximum | Up to £1million available to 75% LTV Up to £750,000 available to 85% LTV |
| Repayment | |
| Repayment | Captial & Interest. Interest only to 60%, supported by an acceptable repayment strategy |
| Property Value | |
| Minimum | £70,000 |
| Term | |
| Minimum | 5 years and 1 month |
| Maximum | 40 years |
Affordability Calculator
How much could we lend your customers?
It’s easy to find out. Simply tell us their basic information to get a maximum loan amount.
For a more comprehensive result, include their commitments and expenditure.
Applicant One
Applicant Two
Applicant One
Applicant Two
Final results
We’re currently reviewing all applications to ensure the income is sustainable in current market conditions. Based on the information provided please find details below on what your customer(s) could borrow with us.
| Indicative maximum available subject to a DIP | |
|---|---|
| 2 Year Fixed: | £150,000.00 |
| 5 Year Fixed: | £200,000.00 |
| Basic Information | |||
|---|---|---|---|
| Number of Applicants: | Number of Children: | ||
| Required loan amount: | Repayment Type: | ||
| Term: | Years | Product: |
| Income Applicant One | |
|---|---|
| Primary Annual Income | |
| Secondary Annual Income | |
| Annual Overtime | |
| Annual Bonus or Commission | |
| Car Allowance | |
| Maintenance Income (calculated at 50%) | |
| Rental Income (calculated at 50%) | |
| Allowable Income | |
| Total | |
| Commitments Applicant One | |
|---|---|
| Mortgages or secured loans | |
| Unsecured loans or hire purchase | |
| Credit or store cards Balance | |
| Overdraft arrangements Balance | |
| School fees | |
| Maintenance | |
| Student loans | |
| Other | |
| Total monthly commitments | |
| Expenditure | |
|---|---|
| Housekeeping | |
| Utilities | |
| Telephone | |
| Council tax | |
| Buildings insurance | |
| Ground rent | |
| Leasehold service charges | |
| Essential travel | |
| Clothing | |
| Personal goods | |
| Household goods | |
| Basic recreation | |
| Total | |
Important notice
Based on the information entered, an underwriter will carry out a full review at Decision in Principle. Please complete the DIP to confirm the maximum loan amount available.
These results are indicative and are meant to be used as a guide only. Should you wish to submit a DIP, it'll be subject to our full lending criteria, a credit check and an underwriter review which could result in a different value.
Please note by changing the loan amount figure you may change the loan to value. This may change the interest rate charged. If you're going to change any details we strongly recommend you start a new calculation to ensure it is as accurate as possible.
Before submitting business to us, you’ll need to register with us. It’s a quick and simple process and shouldn’t take more than 5 minutes.
If you've already registered, please Login and complete our online application form.
If you have any questions, call our team on 03333 701 101 option 1, Monday to Friday between 9am and 5pm.
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To discuss a case, or find out more about our products, call our experienced team. Ready to submit? Log into the application portal to get started, or register if it’s your first case with Pepper Money.
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