Yes. Check below for eligibility and how to apply.

Who can apply for a Product Transfer?
• Residential mortgage customers only (you can apply up to 3 months before your current initial rate ends).
• Provided your mortgage payments are up to date and you’ve not missed a payment in the last 12 months you can be considered.
• You can’t make any other changes to your mortgage during this process and you’re just applying to switch your current rate.

How do I apply?
We provide a choice of ways to apply;
1) If you’d like advice and a recommendation based on your current circumstances you can contact a broker who will help you find the right mortgage product for you. Please navigate to our page providing details of brokers registered with us or search Unbiased.co.uk. Your selected broker will understand your needs and circumstances and provide advice and recommendation for a suitable product for you which may or may not be a Pepper Money product.
2) ‘Execution only’ basis – You can apply here – we do not offer advice or provide you with a recommendation for a specific product for you – you should only use this method if you are happy to proceed without receiving advice.

The Product Transfer application process
• You can apply up to 3 months before your current initial rate ends.
• It’s a simple process with no affordability or credit checks or need to refresh your employment or income information.
• It’s fee free – no product fees, no need for a new valuation of your property or any legal fees.
• In the event your circumstances have changed and you’d like to speak to a broker about other product options which may meet your needs and circumstances please navigate to our website or search Unbiased.co.uk

What should I do if I am struggling with my payments?
If you need to speak with a member of our team about your payments, please call <0333 370 1101 and press 4> or if you’d like to speak to a broker about other product options which may meet your needs and circumstances, please navigate to our page providing details of brokers registered with us or search Unbiased.co.uk. You may also find the information in the MoneyHelper guide useful.