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 or Sheriff Court Decrees, 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 or Sheriff Court Decrees & defaults
No value limit on CCJs or Sheriff Court Decrees and defaults; no need for them to be satisfied
Try our easy to use product finder
Residential Mortgage Product Rates and Criteria
- For Intermediary use only
- September 2026
- LMR = 4.25% (As of 15th January 2026)
Residential - STandard range
Pepper48 LightSuitable for customers: with no Default in the last 48 months 
never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 48 months never had a CCJ or Sheriff Court Decree
Pepper48 Light
Product Code: R500052609275
Pepper48 Light
(Remortgage only)
Product Code: R500792609275
Pepper48 Light
Product Code: R500062609275
Pepper48 Light
(Remortgage only)
Product Code: R500802609275
Pepper48 Light
Product Code: R500072609275
Pepper48 Light
(Remortgage only)
Product Code: R500812609275
Pepper48 Light
Product Code: R300042609275
Pepper48 Light
(Remortgage only)
Product Code: R300402609275
Pepper48 Light
Product Code: R200012609275
Pepper48 Light
(Remortgage only)
Product Code: R200762609275
Pepper48 Light
Product Code: R200022609275
Pepper48 Light
(Remortgage only)
Product Code: R200772609275
Pepper48 Light
Product Code: R200032609275
Pepper48 Light
(Remortgage only)
Product Code: R200782609275
Pepper48 Light
Product Code: R500052609280
Pepper48 Light
(Remortgage only)
Product Code: R500792609280
Pepper48 Light
Product Code: R500062609280
Pepper48 Light
(Remortgage only)
Product Code: R500802609280
Pepper48 Light
Product Code: R500072609280
Pepper48 Light
(Remortgage only)
Product Code: R500812609280
Pepper48 Light
Product Code: R300042609280
Pepper48 Light
(Remortgage only)
Product Code: R300402609280
Pepper48 Light
Product Code: R200012609280
Pepper48 Light
(Remortgage only)
Product Code: R200762609280
Pepper48 Light
Product Code: R200022609280
Pepper48 Light
(Remortgage only)
Product Code: R200772609280
Pepper48 Light
Product Code: R200032609280
Pepper48 Light
(Remortgage only)
Product Code: R200782609280
Pepper48 Light
Product Code: R500052609285
Pepper48 Light
(Remortgage only)
Product Code: R500792609285
Pepper48 Light
Product Code: R500062609285
Pepper48 Light
(Remortgage only)
Product Code: R500802609285
Pepper48 Light
Product Code: R500072609285
Pepper48 Light
(Remortgage only)
Product Code: R500812609285
Pepper48 Light
Product Code: R300042609285
Pepper48 Light
(Remortgage only)
Product Code: R300402609285
Pepper48 Light
Product Code: R200012609285
Pepper48 Light
(Remortgage only)
Product Code: R200762609285
Pepper48 Light
Product Code: R200022609285
Pepper48 Light
(Remortgage only)
Product Code: R200772609285
Pepper48 Light
Product Code: R200032609285
Pepper48 Light
(Remortgage only)
Product Code: R200782609285
Pepper48 Light
Product Code: R501632609290
Pepper48 Light
(Remortgage only)
Product Code: R501752609290
Pepper48 Light
Product Code: R501642609290
Pepper48 Light
(Remortgage only)
Product Code: R501762609290
Pepper48 Light
Product Code: R501652609290
Pepper48 Light
(Remortgage only)
Product Code: R501772609290
Pepper48 Light
Product Code: R201602609290
Pepper48 Light
(Remortgage only)
Product Code: R201722609290
Pepper48 Light
Product Code: R201612609290
Pepper48 Light
(Remortgage only)
Product Code: R201732609290
Pepper48 Light
Product Code: R201622609290
Pepper48 Light
(Remortgage only)
Product Code: R201742609290
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/Sheriff Court Decrees (SCD): | None |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Pepper48
Product Code: R500122609275
Pepper48
(Remortgage only)
Product Code: R500822609275
Pepper48
Product Code: R500132609275
Pepper48
(Remortgage only)
Product Code: R500832609275
Pepper48
Product Code: R500142609275
Pepper48
(Remortgage only)
Product Code: R500842609275
Pepper48
Product Code: R300112609275
Pepper48
(Remortgage only)
Product Code: R300412609275
Pepper48
Product Code: R200082609275
Pepper48
(Remortgage only)
Product Code: R200792609275
Pepper48
Product Code: R200092609275
Pepper48
(Remortgage only)
Product Code: R200802609275
Pepper48
Product Code: R200102609275
Pepper48
(Remortgage only)
Product Code: R200812609275
Pepper48
Product Code: R500122609280
Pepper48
(Remortgage only)
Product Code: R500822609280
Pepper48
Product Code: R500132609280
Pepper48
(Remortgage only)
Product Code: R500832609280
Pepper48
Product Code: R500142609280
Pepper48
(Remortgage only)
Product Code: R500842609280
Pepper48
Product Code: R300112609280
Pepper48
(Remortgage only)
Product Code: R300412609280
Pepper48
Product Code: R200082609280
Pepper48
(Remortgage only)
Product Code: R200792609280
Pepper48
Product Code: R200092609280
Pepper48
(Remortgage only)
Product Code: R200802609280
Pepper48
Product Code: R200102609280
Pepper48
(Remortgage only)
Product Code: R200812609280
Pepper48
Product Code: R500122609285
Pepper48
(Remortgage only)
Product Code: R500822609285
Pepper48
Product Code: R500132609285
Pepper48
(Remortgage only)
Product Code: R500832609285
Pepper48
Product Code: R500142609285
Pepper48
(Remortgage only)
Product Code: R500842609285
Pepper48
Product Code: R300112609285
Pepper48
(Remortgage only)
Product Code: R300412609285
Pepper48
Product Code: R200082609285
Pepper48
(Remortgage only)
Product Code: R200792609285
Pepper48
Product Code: R200092609285
Pepper48
(Remortgage only)
Product Code: R200802609285
Pepper48
Product Code: R200102609285
Pepper48
(Remortgage only)
Product Code: R200812609285
Pepper48
Product Code: R501662609290
Pepper48
(Remortgage only)
Product Code: R501782609290
Pepper48
Product Code: R501672609290
Pepper48
(Remortgage only)
Product Code: R501792609290
Pepper48
Product Code: R501682609290
Pepper48
(Remortgage only)
Product Code: R501802609290
Pepper48
Product Code: R201632609290
Pepper48
(Remortgage only)
Product Code: R201752609290
Pepper48
Product Code: R201642609290
Pepper48
(Remortgage only)
Product Code: R201762609290
Pepper48
Product Code: R201652609290
Pepper48
(Remortgage only)
Product Code: R201772609290
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/Sheriff Court Decrees (SCD): | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Pepper36 Light
Product Code: R500192609275
Pepper36 Light
(Remortgage only)
Product Code: R500852609275
Pepper36 Light
Product Code: R500202609275
Pepper36 Light
(Remortgage only)
Product Code: R500862609275
Pepper36 Light
Product Code: R500212609275
Pepper36 Light
(Remortgage only)
Product Code: R500872609275
Pepper36 Light
Product Code: R300182609275
Pepper36 Light
(Remortgage only)
Product Code: R300422609275
Pepper36 Light
Product Code: R200152609275
Pepper36 Light
(Remortgage only)
Product Code: R200822609275
Pepper36 Light
Product Code: R200162609275
Pepper36 Light
(Remortgage only)
Product Code: R200832609275
Pepper36 Light
Product Code: R200172609275
Pepper36 Light
(Remortgage only)
Product Code: R200842609275
Pepper36 Light
Product Code: R500192609280
Pepper36 Light
(Remortgage only)
Product Code: R500852609280
Pepper36 Light
Product Code: R500202609280
Pepper36 Light
(Remortgage only)
Product Code: R500862609280
Pepper36 Light
Product Code: R500212609280
Pepper36 Light
(Remortgage only)
Product Code: R500872609280
Pepper36 Light
Product Code: R300182609280
Pepper36 Light
(Remortgage only)
Product Code: R300422609280
Pepper36 Light
Product Code: R200152609280
Pepper36 Light
(Remortgage only)
Product Code: R200822609280
Pepper36 Light
Product Code: R200162609280
Pepper36 Light
(Remortgage only)
Product Code: R200832609280
Pepper36 Light
Product Code: R200172609280
Pepper36 Light
(Remortgage only)
Product Code: R200842609280
Pepper36 Light
Product Code: R500192609285
Pepper36 Light
(Remortgage only)
Product Code: R500852609285
Pepper36 Light
Product Code: R500202609285
Pepper36 Light
(Remortgage only)
Product Code: R500862609285
Pepper36 Light
Product Code: R500212609285
Pepper36 Light
(Remortgage only)
Product Code: R500872609285
Pepper36 Light
Product Code: R300182609285
Pepper36 Light
(Remortgage only)
Product Code: R300422609285
Pepper36 Light
Product Code: R200152609285
Pepper36 Light
(Remortgage only)
Product Code: R200822609285
Pepper36 Light
Product Code: R200162609285
Pepper36 Light
(Remortgage only)
Product Code: R200832609285
Pepper36 Light
Product Code: R200172609285
Pepper36 Light
(Remortgage only)
Product Code: R200842609285
Pepper36 Light
Product Code: R501692609290
Pepper36 Light
(Remortgage only)
Product Code: R501812609290
Pepper36 Light
Product Code: R501702609290
Pepper36 Light
(Remortgage only)
Product Code: R501822609290
Pepper36 Light
Product Code: R501712609290
Pepper36 Light
(Remortgage only)
Product Code: R501832609290
Pepper36 Light
Product Code: R201662609290
Pepper36 Light
(Remortgage only)
Product Code: R201782609290
Pepper36 Light
Product Code: R201672609290
Pepper36 Light
(Remortgage only)
Product Code: R201792609290
Pepper36 Light
Product Code: R201682609290
Pepper36 Light
(Remortgage only)
Product Code: R201802609290
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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Pepper36
Product Code: R500262609275
Pepper36
(Remortgage only)
Product Code: R500882609275
Pepper36
Product Code: R500272609275
Pepper36
(Remortgage only)
Product Code: R500892609275
Pepper36
Product Code: R500282609275
Pepper36
(Remortgage only)
Product Code: R500902609275
Pepper36
Product Code: R300252609275
Pepper36
(Remortgage only)
Product Code: R300432609275
Pepper36
Product Code: R200222609275
Pepper36
(Remortgage only)
Product Code: R200852609275
Pepper36
Product Code: R200232609275
Pepper36
(Remortgage only)
Product Code: R200862609275
Pepper36
Product Code: R200242609275
Pepper36
(Remortgage only)
Product Code: R200872609275
Pepper36
Product Code: R500262609280
Pepper36
(Remortgage only)
Product Code: R500882609280
Pepper36
Product Code: R500272609280
Pepper36
(Remortgage only)
Product Code: R500892609280
Pepper36
Product Code: R500282609280
Pepper36
(Remortgage only)
Product Code: R500902609280
Pepper36
Product Code: R300252609280
Pepper36
(Remortgage only)
Product Code: R300432609280
Pepper36
Product Code: R200222609280
Pepper36
(Remortgage only)
Product Code: R200852609280
Pepper36
Product Code: R200232609280
Pepper36
(Remortgage only)
Product Code: R200862609280
Pepper36
Product Code: R200242609280
Pepper36
(Remortgage only)
Product Code: R200872609280
Pepper36
Product Code: R500262609285
Pepper36
(Remortgage only)
Product Code: R500882609285
Pepper36
Product Code: R500272609285
Pepper36
(Remortgage only)
Product Code: R500892609285
Pepper36
Product Code: R500282609285
Pepper36
(Remortgage only)
Product Code: R500902609285
Pepper36
Product Code: R300252609285
Pepper36
(Remortgage only)
Product Code: R300432609285
Pepper36
Product Code: R200222609285
Pepper36
(Remortgage only)
Product Code: R200852609285
Pepper36
Product Code: R200232609285
Pepper36
(Remortgage only)
Product Code: R200862609285
Pepper36
Product Code: R200242609285
Pepper36
(Remortgage only)
Product Code: R200872609285
Pepper36
Product Code: R501722609290
Pepper36
(Remortgage only)
Product Code: R501842609290
Pepper36
Product Code: R501732609290
Pepper36
(Remortgage only)
Product Code: R501852609290
Pepper36
Product Code: R501742609290
Pepper36
(Remortgage only)
Product Code: R501862609290
Pepper36
Product Code: R201692609290
Pepper36
(Remortgage only)
Product Code: R201812609290
Pepper36
Product Code: R201702609290
Pepper36
(Remortgage only)
Product Code: R201822609290
Pepper36
Product Code: R201712609290
Pepper36
(Remortgage only)
Product Code: R201832609290
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/Sheriff Court Decrees (SCD): | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Pepper24 Light
Product Code: R500332609275
Pepper24 Light
(Remortgage only)
Product Code: R500912609275
Pepper24 Light
Product Code: R500342609275
Pepper24 Light
(Remortgage only)
Product Code: R500922609275
Pepper24 Light
Product Code: R500352609275
Pepper24 Light
(Remortgage only)
Product Code: R500932609275
Pepper24 Light
Product Code: R300322609275
Pepper24 Light
(Remortgage only)
Product Code: R300442609275
Pepper24 Light
Product Code: R200292609275
Pepper24 Light
(Remortgage only)
Product Code: R200882609275
Pepper24 Light
Product Code: R200302609275
Pepper24 Light
(Remortgage only)
Product Code: R200892609275
Pepper24 Light
Product Code: R200312609275
Pepper24 Light
(Remortgage only)
Product Code: R200902609275
Pepper24 Light
Product Code: R500332609280
Pepper24 Light
(Remortgage only)
Product Code: R500912609280
Pepper24 Light
Product Code: R500342609280
Pepper24 Light
(Remortgage only)
Product Code: R500922609280
Pepper24 Light
Product Code: R500352609280
Pepper24 Light
(Remortgage only)
Product Code: R500932609280
Pepper24 Light
Product Code: R300322609280
Pepper24 Light
(Remortgage only)
Product Code: R300442609280
Pepper24 Light
Product Code: R200292609280
Pepper24 Light
(Remortgage only)
Product Code: R200882609280
Pepper24 Light
Product Code: R200302609280
Pepper24 Light
(Remortgage only)
Product Code: R200892609280
Pepper24 Light
Product Code: R200312609280
Pepper24 Light
(Remortgage only)
Product Code: R200902609280
Pepper24 Light
Product Code: R500332609285
Pepper24 Light
(Remortgage only)
Product Code: R500912609285
Pepper24 Light
Product Code: R500342609285
Pepper24 Light
(Remortgage only)
Product Code: R500922609285
Pepper24 Light
Product Code: R500352609285
Pepper24 Light
(Remortgage only)
Product Code: R500932609285
Pepper24 Light
Product Code: R300322609285
Pepper24 Light
(Remortgage only)
Product Code: R300442609285
Pepper24 Light
Product Code: R200292609285
Pepper24 Light
(Remortgage only)
Product Code: R200882609285
Pepper24 Light
Product Code: R200302609285
Pepper24 Light
(Remortgage only)
Product Code: R200892609285
Pepper24 Light
Product Code: R200312609285
Pepper24 Light
(Remortgage only)
Product Code: R200902609285
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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Pepper24
Product Code: R500402609275
Pepper24
(Remortgage only)
Product Code: R500942609275
Pepper24
Product Code: R500412609275
Pepper24
(Remortgage only)
Product Code: R500952609275
Pepper24
Product Code: R500422609275
Pepper24
(Remortgage only)
Product Code: R500962609275
Pepper24
Product Code: R300392609275
Pepper24
(Remortgage only)
Product Code: R300452609275
Pepper24
Product Code: R200362609275
Pepper24
(Remortgage only)
Product Code: R200912609275
Pepper24
Product Code: R200372609275
Pepper24
(Remortgage only)
Product Code: R200922609275
Pepper24
Product Code: R200382609275
Pepper24
(Remortgage only)
Product Code: R200932609275
Pepper24
Product Code: R500402609280
Pepper24
(Remortgage only)
Product Code: R500942609280
Pepper24
Product Code: R500412609280
Pepper24
(Remortgage only)
Product Code: R500952609280
Pepper24
Product Code: R500422609280
Pepper24
(Remortgage only)
Product Code: R500962609280
Pepper24
Product Code: R300392609280
Pepper24
(Remortgage only)
Product Code: R300452609280
Pepper24
Product Code: R200362609280
Pepper24
(Remortgage only)
Product Code: R200912609280
Pepper24
Product Code: R200372609280
Pepper24
(Remortgage only)
Product Code: R200922609280
Pepper24
Product Code: R200382609280
Pepper24
(Remortgage only)
Product Code: R200932609280
Pepper24
Product Code: R500402609285
Pepper24
(Remortgage only)
Product Code: R500942609285
Pepper24
Product Code: R500412609285
Pepper24
(Remortgage only)
Product Code: R500952609285
Pepper24
Product Code: R500422609285
Pepper24
(Remortgage only)
Product Code: R500962609285
Pepper24
Product Code: R300392609285
Pepper24
(Remortgage only)
Product Code: R300452609285
Pepper24
Product Code: R200362609285
Pepper24
(Remortgage only)
Product Code: R200912609285
Pepper24
Product Code: R200372609285
Pepper24
(Remortgage only)
Product Code: R200922609285
Pepper24
Product Code: R200382609285
Pepper24
(Remortgage only)
Product Code: R200932609285
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/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Pepper18 Light
Product Code: R500462609270
Pepper18 Light
(Remortgage only)
Product Code: R500972609270
Pepper18 Light
Product Code: R500472609270
Pepper18 Light
(Remortgage only)
Product Code: R500982609270
Pepper18 Light
Product Code: R500482609270
Pepper18 Light
(Remortgage only)
Product Code: R500992609270
Pepper18 Light
Product Code: R200432609270
Pepper18 Light
(Remortgage only)
Product Code: R200942609270
Pepper18 Light
Product Code: R200442609270
Pepper18 Light
(Remortgage only)
Product Code: R200952609270
Pepper18 Light
Product Code: R200452609270
Pepper18 Light
(Remortgage only)
Product Code: R200962609270
Pepper18 Light
Product Code: R500462609275
Pepper18 Light
(Remortgage only)
Product Code: R500972609275
Pepper18 Light
Product Code: R500472609275
Pepper18 Light
(Remortgage only)
Product Code: R500982609275
Pepper18 Light
Product Code: R500482609275
Pepper18 Light
(Remortgage only)
Product Code: R500992609275
Pepper18 Light
Product Code: R200432609275
Pepper18 Light
(Remortgage only)
Product Code: R200942609275
Pepper18 Light
Product Code: R200442609275
Pepper18 Light
(Remortgage only)
Product Code: R200952609275
Pepper18 Light
Product Code: R200452609275
Pepper18 Light
(Remortgage only)
Product Code: R200962609275
Pepper18 Light
Product Code: R500462609280
Pepper18 Light
(Remortgage only)
Product Code: R500972609280
Pepper18 Light
Product Code: R500472609280
Pepper18 Light
(Remortgage only)
Product Code: R500982609280
Pepper18 Light
Product Code: R500482609280
Pepper18 Light
(Remortgage only)
Product Code: R500992609280
Pepper18 Light
Product Code: R200432609280
Pepper18 Light
(Remortgage only)
Product Code: R200942609280
Pepper18 Light
Product Code: R200442609280
Pepper18 Light
(Remortgage only)
Product Code: R200952609280
Pepper18 Light
Product Code: R200452609280
Pepper18 Light
(Remortgage only)
Product Code: R200962609280
Pepper18 Light
Product Code: R500462609285
Pepper18 Light
(Remortgage only)
Product Code: R500972609285
Pepper18 Light
Product Code: R500472609285
Pepper18 Light
(Remortgage only)
Product Code: R500982609285
Pepper18 Light
Product Code: R500482609285
Pepper18 Light
(Remortgage only)
Product Code: R500992609285
Pepper18 Light
Product Code: R200432609285
Pepper18 Light
(Remortgage only)
Product Code: R200942609285
Pepper18 Light
Product Code: R200442609285
Pepper18 Light
(Remortgage only)
Product Code: R200952609285
Pepper18 Light
Product Code: R200452609285
Pepper18 Light
(Remortgage only)
Product Code: R200962609285
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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Pepper18
Product Code: R500522609270
Pepper18
(Remortgage only)
Product Code: R501002609270
Pepper18
Product Code: R500532609270
Pepper18
(Remortgage only)
Product Code: R501012609270
Pepper18
Product Code: R500542609270
Pepper18
(Remortgage only)
Product Code: R501022609270
Pepper18
Product Code: R200492609270
Pepper18
(Remortgage only)
Product Code: R200972609270
Pepper18
Product Code: R200502609270
Pepper18
(Remortgage only)
Product Code: R200982609270
Pepper18
Product Code: R200512609270
Pepper18
(Remortgage only)
Product Code: R200992609270
Pepper18
Product Code: R500522609275
Pepper18
(Remortgage only)
Product Code: R501002609275
Pepper18
Product Code: R500532609275
Pepper18
(Remortgage only)
Product Code: R501012609275
Pepper18
Product Code: R500542609275
Pepper18
(Remortgage only)
Product Code: R501022609275
Pepper18
Product Code: R200492609275
Pepper18
(Remortgage only)
Product Code: R200972609275
Pepper18
Product Code: R200502609275
Pepper18
(Remortgage only)
Product Code: R200982609275
Pepper18
Product Code: R200512609275
Pepper18
(Remortgage only)
Product Code: R200992609275
Pepper18
Product Code: R500522609280
Pepper18
(Remortgage only)
Product Code: R501002609280
Pepper18
Product Code: R500532609280
Pepper18
(Remortgage only)
Product Code: R501012609280
Pepper18
Product Code: R500542609280
Pepper18
(Remortgage only)
Product Code: R501022609280
Pepper18
Product Code: R200492609280
Pepper18
(Remortgage only)
Product Code: R200972609280
Pepper18
Product Code: R200502609280
Pepper18
(Remortgage only)
Product Code: R200982609280
Pepper18
Product Code: R200512609280
Pepper18
(Remortgage only)
Product Code: R200992609280
Pepper18
Product Code: R500522609285
Pepper18
(Remortgage only)
Product Code: R501002609285
Pepper18
Product Code: R500532609285
Pepper18
(Remortgage only)
Product Code: R501012609285
Pepper18
Product Code: R500542609285
Pepper18
(Remortgage only)
Product Code: R501022609285
Pepper18
Product Code: R200492609285
Pepper18
(Remortgage only)
Product Code: R200972609285
Pepper18
Product Code: R200502609285
Pepper18
(Remortgage only)
Product Code: R200982609285
Pepper18
Product Code: R200512609285
Pepper18
(Remortgage only)
Product Code: R200992609285
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/Sheriff Court Decrees (SCD): | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Pepper12 Light
Product Code: R500582609270
Pepper12 Light
(Remortgage only)
Product Code: R501032609270
Pepper12 Light
Product Code: R500592609270
Pepper12 Light
(Remortgage only)
Product Code: R501042609270
Pepper12 Light
Product Code: R500602609270
Pepper12 Light
(Remortgage only)
Product Code: R501052609270
Pepper12 Light
Product Code: R200552609270
Pepper12 Light
(Remortgage only)
Product Code: R201002609270
Pepper12 Light
Product Code: R200562609270
Pepper12 Light
(Remortgage only)
Product Code: R201012609270
Pepper12 Light
Product Code: R200572609270
Pepper12 Light
(Remortgage only)
Product Code: R201022609270
Pepper12 Light
Product Code: R500582609275
Pepper12 Light
(Remortgage only)
Product Code: R501032609275
Pepper12 Light
Product Code: R500592609275
Pepper12 Light
(Remortgage only)
Product Code: R501042609275
Pepper12 Light
Product Code: R500602609275
Pepper12 Light
(Remortgage only)
Product Code: R501052609275
Pepper12 Light
Product Code: R200552609275
Pepper12 Light
(Remortgage only)
Product Code: R201002609275
Pepper12 Light
Product Code: R200562609275
Pepper12 Light
(Remortgage only)
Product Code: R201012609275
Pepper12 Light
Product Code: R200572609275
Pepper12 Light
(Remortgage only)
Product Code: R201022609275
Pepper12 Light
Product Code: R500582609280
Pepper12 Light
(Remortgage only)
Product Code: R501032609280
Pepper12 Light
Product Code: R500592609280
Pepper12 Light
(Remortgage only)
Product Code: R501042609280
Pepper12 Light
Product Code: R500602609280
Pepper12 Light
(Remortgage only)
Product Code: R501052609280
Pepper12 Light
Product Code: R200552609280
Pepper12 Light
(Remortgage only)
Product Code: R201002609280
Pepper12 Light
Product Code: R200562609280
Pepper12 Light
(Remortgage only)
Product Code: R201012609280
Pepper12 Light
Product Code: R200572609280
Pepper12 Light
(Remortgage only)
Product Code: R201022609280
Pepper12 Light
Product Code: R500582609285
Pepper12 Light
(Remortgage only)
Product Code: R501032609285
Pepper12 Light
Product Code: R500592609285
Pepper12 Light
(Remortgage only)
Product Code: R501042609285
Pepper12 Light
Product Code: R500602609285
Pepper12 Light
(Remortgage only)
Product Code: R501052609285
Pepper12 Light
Product Code: R200552609285
Pepper12 Light
(Remortgage only)
Product Code: R201002609285
Pepper12 Light
Product Code: R200562609285
Pepper12 Light
(Remortgage only)
Product Code: R201012609285
Pepper12 Light
Product Code: R200572609285
Pepper12 Light
(Remortgage only)
Product Code: R201022609285
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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Pepper12
Product Code: R500642609270
Pepper12
(Remortgage only)
Product Code: R501062609270
Pepper12
Product Code: R500652609270
Pepper12
(Remortgage only)
Product Code: R501072609270
Pepper12
Product Code: R500662609270
Pepper12
(Remortgage only)
Product Code: R501082609270
Pepper12
Product Code: R200612609270
Pepper12
(Remortgage only)
Product Code: R201032609270
Pepper12
Product Code: R200622609270
Pepper12
(Remortgage only)
Product Code: R201042609270
Pepper12
Product Code: R200632609270
Pepper12
(Remortgage only)
Product Code: R201052609270
Pepper12
Product Code: R500642609275
Pepper12
(Remortgage only)
Product Code: R501062609275
Pepper12
Product Code: R500652609275
Pepper12
(Remortgage only)
Product Code: R501072609275
Pepper12
Product Code: R500662609275
Pepper12
(Remortgage only)
Product Code: R501082609275
Pepper12
Product Code: R200612609275
Pepper12
(Remortgage only)
Product Code: R201032609275
Pepper12
Product Code: R200622609275
Pepper12
(Remortgage only)
Product Code: R201042609275
Pepper12
Product Code: R200632609275
Pepper12
(Remortgage only)
Product Code: R201052609275
Pepper12
Product Code: R500642609280
Pepper12
(Remortgage only)
Product Code: R501062609280
Pepper12
Product Code: R500652609280
Pepper12
(Remortgage only)
Product Code: R501072609280
Pepper12
Product Code: R500662609280
Pepper12
(Remortgage only)
Product Code: R501082609280
Pepper12
Product Code: R200612609280
Pepper12
(Remortgage only)
Product Code: R201032609280
Pepper12
Product Code: R200622609280
Pepper12
(Remortgage only)
Product Code: R201042609280
Pepper12
Product Code: R200632609280
Pepper12
(Remortgage only)
Product Code: R201052609280
Pepper12
Product Code: R500642609285
Pepper12
(Remortgage only)
Product Code: R501062609285
Pepper12
Product Code: R500652609285
Pepper12
(Remortgage only)
Product Code: R501072609285
Pepper12
Product Code: R500662609285
Pepper12
(Remortgage only)
Product Code: R501082609285
Pepper12
Product Code: R200612609285
Pepper12
(Remortgage only)
Product Code: R201032609285
Pepper12
Product Code: R200622609285
Pepper12
(Remortgage only)
Product Code: R201042609285
Pepper12
Product Code: R200632609285
Pepper12
(Remortgage only)
Product Code: R201052609285
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/Sheriff Court Decrees (SCD): | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper6 LightSuitable for customers: with no Default in the last 6 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 6 months never had a CCJ or Sheriff Court Decree
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702609270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092609270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712609270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102609270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722609270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112609270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672609270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062609270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682609270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072609270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692609270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082609270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702609275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092609275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712609275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102609275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722609275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112609275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672609275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062609275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682609275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072609275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692609275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082609275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702609280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092609280
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712609280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102609280
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722609280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112609280
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672609280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062609280
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682609280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072609280
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692609280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082609280
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/Sheriff Court Decrees (SCD): | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper6Suitable for customers: with no Default in the last 6 months no CCJ or Sheriff Court Decree in the last 6 months
Suitable for customers: with no Default in the last 6 months no CCJ or Sheriff Court Decree in the last 6 months
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762609270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122609270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772609270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132609270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782609270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142609270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732609270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092609270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742609270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102609270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752609270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112609270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762609275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122609275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772609275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132609275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782609275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142609275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732609275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092609275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742609275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102609275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752609275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112609275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762609280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122609280
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772609280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132609280
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782609280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142609280
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732609280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092609280
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742609280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102609280
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752609280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112609280
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/Sheriff Court Decrees (SCD): | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Residential - LIMITED EDITION RANGE
Pepper48 LightSuitable for customers: with no Default in the last 48 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 48 months never had a CCJ or Sheriff Court Decree
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202002609275
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202012609275
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202002609280
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202012609280
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202002609285
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202012609285
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202032609290
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202042609290
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | None |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202062609275
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202072609275
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202062609280
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202072609280
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202062609285
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202072609285
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202092609290
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202102609290
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202122609275
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202132609275
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202122609280
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202132609280
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202122609285
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202132609285
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202152609290
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202162609290
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202182609275
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202192609275
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202182609280
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202192609280
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202182609285
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202192609285
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202212609290
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202222609290
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202242609275
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202252609275
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202242609280
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202252609280
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202242609285
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202252609285
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202282609275
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202272609275
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202272609280
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202282609280
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202272609285
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202282609285
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202302609270
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202312609270
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202302609275
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202312609275
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202302609280
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202312609280
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202302609285
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202312609285
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202332609270
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202342609270
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202332609275
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202342609275
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202332609280
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202342609280
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202332609285
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202342609285
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202362609270
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202372609270
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202362609275
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202372609275
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202362609280
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202372609280
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202362609285
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202372609285
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202392609270
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202402609270
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202392609275
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202402609275
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202392609280
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202402609280
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202392609285
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202402609285
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper6 LightSuitable for customers: with no Default in the last 6 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 6 months never had a CCJ or Sheriff Court Decree
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202422609270
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202432609270
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202422609275
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202432609275
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202422609280
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202432609280
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper6Suitable for customers: with no Default in the last 6 months no CCJ or Sheriff Court Decree in the last 6 months
Suitable for customers: with no Default in the last 6 months no CCJ or Sheriff Court Decree in the last 6 months
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202452609270
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202462609270
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202452609275
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202462609275
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202452609280
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202462609280
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | 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 or Sheriff Court Decree
Suitable for customers: with no Default in the last 48 months never had a CCJ or Sheriff Court Decree
Pepper48 Existing Customer
Product Code: RR500012609275
Pepper48 Existing Customer
Product Code: RR200012609275
Pepper48 Existing Customer
Product Code: RR500012609280
Pepper48 Existing Customer
Product Code: RR200012609280
Pepper48 Existing Customer
Product Code: RR500012609285
Pepper48 Existing Customer
Product Code: RR200012609285
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/Sheriff Court Decrees (SCD): | 0 registered in 48 months |
| Default: | 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | 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 or Sheriff Court Decree in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Pepper36 Existing Customer
Product Code: RR500022609275
Pepper36 Existing Customer
Product Code: RR200022609275
Pepper36 Existing Customer
Product Code: RR500022609280
Pepper36 Existing Customer
Product Code: RR200022609280
Pepper36 Existing Customer
Product Code: RR500022609285
Pepper36 Existing Customer
Product Code: RR200022609285
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/Sheriff Court Decrees (SCD): | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | 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 or Sheriff Court Decree in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Pepper24 Existing Customer
Product Code: RR500032609275
Pepper24 Existing Customer
Product Code: RR200032609275
Pepper24 Existing Customer
Product Code: RR500032609280
Pepper24 Existing Customer
Product Code: RR200032609280
Pepper24 Existing Customer
Product Code: RR500032609285
Pepper24 Existing Customer
Product Code: RR200032609285
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/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
DMP (Debt Management Plan) & DAS (Debt Arrangement Scheme)
Pepper24 DMP and DASSuitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Pepper24 DMP
Product Code: RD500012609275
Pepper24 DMP
(Remortgage only)
Product Code: RD500072609275
Pepper24 DMP
Product Code: RD500022609275
Pepper24 DMP
(Remortgage only)
Product Code: RD500082609275
Pepper24 DMP
Product Code: RD300012609275
Pepper24 DMP
(Remortgage only)
Product Code: RD300042609275
Pepper24 DMP
Product Code: RD200012609275
Pepper24 DMP
(Remortgage only)
Product Code: RD200072609275
Pepper24 DMP
Product Code: RD200022609275
Pepper24 DMP
(Remortgage only)
Product Code: RD200082609275
Pepper24 DMP
Product Code: RD500012609280
Pepper24 DMP
(Remortgage only)
Product Code: RD500072609280
Pepper24 DMP
Product Code: RD500022609280
Pepper24 DMP
(Remortgage only)
Product Code: RD500082609280
Pepper24 DMP
Product Code: RD300012609280
Pepper24 DMP
(Remortgage only)
Product Code: RD300042609280
Pepper24 DMP
Product Code: RD200012609280
Pepper24 DMP
(Remortgage only)
Product Code: RD200072609280
Pepper24 DMP
Product Code: RD200022609280
Pepper24 DMP
(Remortgage only)
Product Code: RD200082609280
Pepper24 DMP
Product Code: RD500012609285
Pepper24 DMP
(Remortgage only)
Product Code: RD500072609285
Pepper24 DMP
Product Code: RD500022609285
Pepper24 DMP
(Remortgage only)
Product Code: RD500082609285
Pepper24 DMP
Product Code: RD300012609285
Pepper24 DMP
(Remortgage only)
Product Code: RD300042609285
Pepper24 DMP
Product Code: RD200012609285
Pepper24 DMP
(Remortgage only)
Product Code: RD200072609285
Pepper24 DMP
Product Code: RD200022609285
Pepper24 DMP
(Remortgage only)
Product Code: RD200082609285
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/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | For active DMPs/DASs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Pepper18 DMP and DASSuitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Pepper18 DMP
Product Code: RD500032609270
Pepper18 DMP
(Remortgage only)
Product Code: RD500092609270
Pepper18 DMP
Product Code: RD500042609270
Pepper18 DMP
(Remortgage only)
Product Code: RD500102609270
Pepper18 DMP
Product Code: RD300022609270
Pepper18 DMP
(Remortgage only)
Product Code: RD300052609270
Pepper18 DMP
Product Code: RD200032609270
Pepper18 DMP
(Remortgage only)
Product Code: RD200092609270
Pepper18 DMP
Product Code: RD200042609270
Pepper18 DMP
(Remortgage only)
Product Code: RD200102609270
Pepper18 DMP
Product Code: RD500032609275
Pepper18 DMP
(Remortgage only)
Product Code: RD500092609275
Pepper18 DMP
Product Code: RD500042609275
Pepper18 DMP
(Remortgage only)
Product Code: RD500102609275
Pepper18 DMP
Product Code: RD300022609275
Pepper18 DMP
(Remortgage only)
Product Code: RD300052609275
Pepper18 DMP
Product Code: RD200032609275
Pepper18 DMP
(Remortgage only)
Product Code: RD200092609275
Pepper18 DMP
Product Code: RD200042609275
Pepper18 DMP
(Remortgage only)
Product Code: RD200102609275
Pepper18 DMP
Product Code: RD500032609280
Pepper18 DMP
(Remortgage only)
Product Code: RD500092609280
Pepper18 DMP
Product Code: RD500042609280
Pepper18 DMP
(Remortgage only)
Product Code: RD500102609280
Pepper18 DMP
Product Code: RD300022609280
Pepper18 DMP
(Remortgage only)
Product Code: RD300052609280
Pepper18 DMP
Product Code: RD200032609280
Pepper18 DMP
(Remortgage only)
Product Code: RD200092609280
Pepper18 DMP
Product Code: RD200042609280
Pepper18 DMP
(Remortgage only)
Product Code: RD200102609280
Pepper18 DMP
Product Code: RD500032609285
Pepper18 DMP
(Remortgage only)
Product Code: RD500092609285
Pepper18 DMP
Product Code: RD500042609285
Pepper18 DMP
(Remortgage only)
Product Code: RD500102609285
Pepper18 DMP
Product Code: RD300022609285
Pepper18 DMP
(Remortgage only)
Product Code: RD300052609285
Pepper18 DMP
Product Code: RD200032609285
Pepper18 DMP
(Remortgage only)
Product Code: RD200092609285
Pepper18 DMP
Product Code: RD200042609285
Pepper18 DMP
(Remortgage only)
Product Code: RD200102609285
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/Sheriff Court Decrees (SCD): | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | For active DMPs/DASs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Pepper12 DMP and DASSuitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Pepper12 DMP
Product Code: RD500052609270
Pepper12 DMP
(Remortgage only)
Product Code: RD500112609270
Pepper12 DMP
Product Code: RD500062609270
Pepper12 DMP
(Remortgage only)
Product Code: RD500122609270
Pepper12 DMP
Product Code: RD300032609270
Pepper12 DMP
(Remortgage only)
Product Code: RD300062609270
Pepper12 DMP
Product Code: RD200052609270
Pepper12 DMP
(Remortgage only)
Product Code: RD200112609270
Pepper12 DMP
Product Code: RD200062609270
Pepper12 DMP
(Remortgage only)
Product Code: RD200122609270
Pepper12 DMP
Product Code: RD500052609275
Pepper12 DMP
(Remortgage only)
Product Code: RD500112609275
Pepper12 DMP
Product Code: RD500062609275
Pepper12 DMP
(Remortgage only)
Product Code: RD500122609275
Pepper12 DMP
Product Code: RD300032609275
Pepper12 DMP
(Remortgage only)
Product Code: RD300062609275
Pepper12 DMP
Product Code: RD200052609275
Pepper12 DMP
(Remortgage only)
Product Code: RD200112609275
Pepper12 DMP
Product Code: RD200062609275
Pepper12 DMP
(Remortgage only)
Product Code: RD200122609275
Pepper12 DMP
Product Code: RD500052609280
Pepper12 DMP
(Remortgage only)
Product Code: RD500112609280
Pepper12 DMP
Product Code: RD500062609280
Pepper12 DMP
(Remortgage only)
Product Code: RD500122609280
Pepper12 DMP
Product Code: RD300032609280
Pepper12 DMP
(Remortgage only)
Product Code: RD300062609280
Pepper12 DMP
Product Code: RD200052609280
Pepper12 DMP
(Remortgage only)
Product Code: RD200112609280
Pepper12 DMP
Product Code: RD200062609280
Pepper12 DMP
(Remortgage only)
Product Code: RD200122609280
Pepper12 DMP
Product Code: RD500052609285
Pepper12 DMP
(Remortgage only)
Product Code: RD500112609285
Pepper12 DMP
Product Code: RD500062609285
Pepper12 DMP
(Remortgage only)
Product Code: RD500122609285
Pepper12 DMP
Product Code: RD300032609285
Pepper12 DMP
(Remortgage only)
Product Code: RD300062609285
Pepper12 DMP
Product Code: RD200052609285
Pepper12 DMP
(Remortgage only)
Product Code: RD200112609285
Pepper12 DMP
Product Code: RD200062609285
Pepper12 DMP
(Remortgage only)
Product Code: RD200122609285
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/Sheriff Court Decrees (SCD): | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | For active DMPs/DASs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Bankruptcy, Sequestration, IVA & Protected Trust Deed
Pepper24 Bankruptcy, Sequestration, IVA and Protected Trust DeedSuitable for customers: that have a satisfied Bankruptcy/Sequestration Order or Individual Voluntary Arrangement/Protected Trust Deed over 3 year ago
or Individual Voluntary Arrangement/Protected Trust Deed over 3 year ago Pepper24 Bankruptcy and IVA
Product Code: RB500012609275
Pepper24 Bankruptcy and IVA
Product Code: RB200012609275
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 3 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12 Bankruptcy, Sequestration, IVA and Protected Trust DeedSuitable for customers: that have a satisfied Bankruptcy/Sequestration Order or Individual Voluntary Arrangement/Protected Trust Deed over 3 year ago
or Individual Voluntary Arrangement/Protected Trust Deed over 3 year ago Pepper12 Bankruptcy and IVA
Product Code: RB500022609275
Pepper12 Bankruptcy and IVA
Product Code: RB200022609275
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 3 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | 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: | |
| Property Jurisdiction: |
| 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.
Fill in your details below and we will email the results to you
SUCCESS
Your results have successfully been emailed
Please check your inbox
Would you like to opt in to to our email marketing?
Sorry, there seems to have be an error.
Please refresh the page and try again.
Need help with your mortgage case?
To discuss a case, or find out more about our products, call our experienced team. Ready to submit? Log into the application portal to get started, or register if it’s your first case with Pepper Money.
Resources
Broker toolkit and guides
Our Broker Toolkit has all the information you need for Products, Calculators and Guides