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 their 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?

• If you have a client with a Pepper Money mortgage coming to the end of their initial rate that meets our criteria, you can apply for a Product Transfer here.

The Product Transfer application process

• You can apply up to 3 months before the 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 the property or any legal fees.