Blog
Our latest blog posts from Pepper Money
What is loan to value?
What is loan-to-value (LTV)? Learn how LTV affects your mortgage, why it matters to lenders, and how to get the best rates based on your deposit size.
Do first-time buyers pay stamp duty?
Do first-time buyers have to pay stamp duty? Learn about the UK’s stamp duty rules, exemptions, and how much you might need to pay when buying your first home.
How to get a mortgage as a first-time buyer?
Buying your first home? This step-by-step guide walks you through the entire mortgage process, from saving a deposit to getting approved and securing your home.
What are mortgage interest rates if you are self-employed?
What are mortgage interest rates if you’re self-employed? Learn how lenders assess self-employed applicants, factors affecting rates, and tips to secure the best deal.
How do I calculate loan to value?
Wondering how to calculate loan-to-value (LTV)? Learn the simple formula, why LTV matters for mortgages, and how it affects interest rates and borrowing options.
Can you use gifted money for a house deposit?
Can you use gifted money for a house deposit? Learn how mortgage lenders view gifted deposits, what proof is required, and potential tax implications.
Getting a mortgage with adverse credit
Struggling to get a mortgage with adverse credit? Learn how specialist lenders can help, what criteria they use, and steps to improve your chances of approval.
Who is the best mortgage lender if you have a low credit score?
Looking for the best mortgage lender with a low credit score? Discover top lenders, their criteria, and tips to improve your chances of approval in this guide.
Will I get a mortgage with a low credit score?
Worried about getting a mortgage with a low credit score? Learn how lenders assess credit, what options are available, and steps to improve your approval chances.