Homeowner Loan Calculator

Our homeowner loan calculator

With our homeowner loan calculator, you can find out what your repayments might look like each month, and how much you could end up paying. 

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Sorry we are unable to help, we currently only offer products for homeowners.
Borrow amount is larger than the propery's value (less the existing mortgage)
Please select a value between £5,000 and £1,000,000
15
Other mortgage products are available. Our mortgage advisors will provide more information concerning other products during your application process.
2 Year Fixed Rate
The term fixed rate mortgage refers to a home loan that has a fixed interest rate for a set period of time at the beginning of the mortgage, in this instance the first two years. At the expiry of the fixed rate period, the reversion rate which is the lenders variable rate will be applied to the home loan. An Early Repayment Charge will be applicable during the fixed rate period.
5 Year Fixed Rate
The term fixed rate mortgage refers to a home loan that has a fixed interest rate for a set period of time at the beginning of the mortgage, in this instance the first five years. At the expiry of the fixed rate period, the reversion rate which is the lenders variable rate will be applied to the home loan. An Early Repayment Charge will be applicable during the fixed rate period.
Variable rate
The term variable rate mortgage refers to a home loan that has a variable rate from inception, for the life of the agreement.
Indicative results

Loan Amount*
Total Repayable*

Breakdown

This is a sum of the loan amount, interest (£), a lender fee of £ and an exit fee of £95.

Monthly Repayments*

Breakdown

This is based on a borrowing over Years / Months.

Indicative Rate*

Breakdown

This indicative rate is based on our rate and our lending criteria for your LTV of %.

Lender Fee*

Breakdown

A lender fee of £ is included in your total repayable figure.

*Please note these results are indicative and are meant to be used as a guide only.
Should you wish to submit an application, it'll be subject to status, full lending criteria, a credit check and a review by a qualified mortgage adviser, which could result in a different product which has a different interest rate. Any changes are likely to alter both the monthly payment amount and the total amount payable. Results are based on a good credit profile.

Representative Example
Borrowing of £40,000, plus £1,095 lender fee, totalling £41,095, over 200 months on a variable product with an initial borrowing rate of 4.8%. There would be 200 monthly instalments of £298.90. Total amount payable £59,875, made up of: Mortgage Amount £40,000, Interest £18,685, Lender fee £1,095, Exit Fee £95. Overall cost for comparison purposes 5.3% APRC. Please be advised that any interest rate fluctuations, during the life of the mortgage contract, will affect the total amount repayable.


*Pepper Money would like to contact you to discuss your secured loan requirements. By selecting “yes” you are agreeing for one of our team to contact you using the information you provide and you are confirming that you have read and understood the "How we use your personal data" page. Mortgages are provided by UK Mortgage Lending Limited, trading as Pepper Money, who are a member of the same group as Pepper Money Limited.

Our UK based team is here to talk. Lines are open Monday to Friday 9am-6pm or you can call us free on 0808 196 9611.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

About Pepper Money

Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers.

Pepper Money is part of the Pepper Group, a diversified, global financial services business, whose senior management team is some of the most experienced in the UK mortgage industry having built a long-lasting reputation for creating innovative, flexible home loan products and services. 

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UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.

Pepper Money Limited t/a Pepper Money is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 811609 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. Registered Office: Harman House, 1 George Street, Uxbridge, London UB8 1QQ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.

Information

First Charge Service Levels

Intermediary - First Charge

Working on DIP referrals received on:

18th May

Responding to application portal broker messages on:

17th May

Reviewing applications sent to our underwriters on:

17th May

Working on applications received on:

17th May

Currently reviewing valuations received on:

17th May

Answering calls in less than (average speed):

< 1 Minutes
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