Our latest blog posts from Pepper Money

A mortgage in principle typically remains valid for 30–90 days. Find out what affects its duration to keep your homebuying plans on track.

Find out how long it takes to get a mortgage offer, the steps involved, and tips to speed up the process.

Understand how to show proof of income as a self-employed mortgage applicant, from tax returns to SA302s and accountant references.

Explore the key mortgage criteria for self-employed applicants, including income proof, credit history, and trading history.

See when and how stamp duty applies to shared ownership homes, including options to pay upfront or in stages.

Explore the rules and restrictions around renting out your shared ownership home, and when permission might be granted.

Understand how shared ownership mortgages work, how to apply, and whether it’s the right path to homeownership for you.

Find out if you’re eligible for a shared ownership scheme, including income limits, deposit requirements, and credit checks.

Discover what’s considered a good loan to value (LTV) ratio, how it impacts mortgage rates, and how to improve yours for better deals.