Product finder

When was the last missed secured payment?
When was the last CCJ?
When was the last Default?

Pepper48 Light - Suitable for clients that haven’t had a Default in the last 48 months and who have never had a CCJ

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Reversion Rates (LMR+)
65%
3.25%
5.50%
1.50%
3.30%
5.50%
£1,995.00 / £2,995.00
3.45%
3.45%
1.50%
3.50%
3.50%
£1,995.00 / £2,995.00
4.00%
70%
3.30%
5.50%
3.35%
5.50%
3.55%
3.55%
3.60%
3.60%
4.00%
75%
3.35%
5.50%
3.40%
5.50%
3.60%
3.60%
3.65%
3.65%
4.25%
80%
4.35%
6.35%
4.40%
6.40%
4.55%
4.55%
4.60%
4.60%
4.50%
&nbsp
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £150
*Completion Fee:
For loans between £25,001 and £300,000 a completion fee of £1,995 applies.
For loans between £300,001 and £700,000 a completion fee of £2,995 applies.
Credit Criteria
CCJs
None
Defaults
0 in 48 months
CCJ Value
None
Mortgage/Secured Arrears:
0 in 48 months (No arrears balance in last 6 months)
Bankruptcy/IVA:
Discharged > 6 years ago
Repossessions:
None in last 6 years
Debt Management Plan:
Considered if satisfied over 12 months ago
Applicants
Minimum Age:
21 Years
Maximum Age:
Maximum 85 years (at end of term)
Maximum Applicants:
4
Employed:
Minimum of 6 months in current job and not in probation. Evidence of employment history is required to cover the last 12 months
Self-Employed:
Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts
Loan Size
Minimum:
£25,001
Maximum:
Up to £750,000 available to 80% LTV Up to £1 million available to 75% LTV
Repayment
Capital & Interest; Interest Only
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper48 - Suitable for Limited Company landlords that haven't had a CCJ or Default in the last 48 months

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Reversion Rates (LMR+)
65%
3.55%
5.55%
1.50%
3.60%
5.60%
£1,995.00 / £2,995.00
3.85%
3.85%
1.50%
3.90%
3.90%
£1,995.00 / £2,995.00
4.00%
70%
3.60%
5.60%
3.65%
5.65%
3.90%
3.90%
3.95%
3.95%
4.00%
75%
3.70%
5.70%
3.75%
5.75%
3.99%
3.99%
4.05%
4.05%
4.25%
80%
4.70%
6.70%
4.75%
6.75%
4.95%
4.95%
4.99%
4.99%
4.50%
&nbsp
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £150
*Completion Fee:
For loans between £25,001 and £300,000 a completion fee of £1,995 applies.
For loans between £300,001 and £700,000 a completion fee of £2,995 applies.
Credit Criteria
CCJs
0 in 48 months
Defaults
0 in 48 months
CCJ Value
No limit
Mortgage/Secured Arrears:
0 in 48 months (No arrears balance in last 6 months)
Bankruptcy/IVA:
Discharged > 6 years ago
Repossessions:
None in last 6 years
Debt Management Plan:
Considered if satisfied over 12 months ago
Applicants
Minimum Age:
21 Years
Maximum Age:
85 years (at end of term)
Maximum Applicants:
4
Employed:
Minimum of 6 months in current job and not in probation. Evidence of employment history is required to cover the last 12 months
Self-Employed:
Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts
Loan Size
Minimum:
£25,001
Maximum:
Up to £750,000 available to 80% LTV Up to £1 million available to 75% LTV
Repayment
Capital & Interest; Interest Only
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper36 Light - Suitable for clients that haven’t had a Default in the last 36 months and who have never had a CCJ

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Reversion Rates (LMR+)
65%
3.40%
5.50%
1.50%
3.45%
5.50%
£1,995.00 / £2,995.00
3.60%
3.60%
1.50%
3.65%
3.65%
£1,995.00 / £2,995.00
4.00%
70%
3.45%
5.50%
3.50%
5.50%
3.70%
3.70%
3.75%
3.75%
4.00%
75%
3.55%
5.55%
3.60%
5.60%
3.90%
3.90%
3.95%
3.95%
4.25%
80%
4.55%
6.55%
4.60%
6.60%
4.99%
4.99%
5.05%
5.05%
4.50%
&nbsp
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £150
*Completion Fee:
For loans between £25,001 and £300,000 a completion fee of £1,995 applies.
For loans between £300,001 and £700,000 a completion fee of £2,995 applies.
Credit Criteria
CCJs
None
Defaults
0 in 36 months
CCJ Value
None
Mortgage/Secured Arrears:
0 in 36 months (No arrears balance in last 6 months)
Bankruptcy/IVA:
Discharged > 6 years ago
Repossessions:
None in last 6 years
Debt Management Plan:
Considered if satisfied over 12 months ago
Applicants
Minimum Age:
21 Years
Maximum Age:
Maximum 85 years (at end of term)
Maximum Applicants:
4
Employed:
Minimum of 6 months in current job and not in probation. Evidence of employment history is required to cover the last 12 months
Self-Employed:
Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts
Loan Size
Minimum:
£25,001
Maximum:
Up to £750,000 available to 80% LTV Up to £1 million available to 75% LTV
Repayment
Capital & Interest; Interest Only
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper36 - Suitable for Limited Company landlords that haven't had a CCJ or Default in the last 36 months

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Reversion Rates (LMR+)
65%
3.65%
5.65%
1.50%
3.70%
5.70%
£1,995.00 / £2,995.00
3.90%
3.90%
1.50%
3.95%
3.95%
£1,995.00 / £2,995.00
4.00%
70%
3.70%
5.70%
3.75%
5.75%
3.99%
3.99%
4.05%
4.05%
4.00%
75%
3.80%
5.80%
3.80%
5.80%
4.20%
4.20%
4.30%
4.30%
4.25%
80%
4.80%
6.80%
4.85%
6.85%
5.45%
5.45%
5.40%
5.40%
4.50%
&nbsp
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £150
*Completion Fee:
For loans between £25,001 and £300,000 a completion fee of £1,995 applies.
For loans between £300,001 and £700,000 a completion fee of £2,995 applies.
Credit Criteria
CCJs
0 in 36 months
Defaults
0 in 36 months
CCJ Value
No limit
Mortgage/Secured Arrears:
0 in 48 months (No arrears balance in last 36 months)
Bankruptcy/IVA:
Discharged > 6 years ago
Repossessions:
None in last 6 years
Debt Management Plan:
Considered if satisfied over 12 months ago
Applicants
Minimum Age:
21 Years
Maximum Age:
85 years (at end of term)
Maximum Applicants:
4
Employed:
Minimum of 6 months in current job and not in probation. Evidence of employment history is required to cover the last 12 months
Self-Employed:
Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts
Loan Size
Minimum:
£25,001
Maximum:
Up to £750,000 available to 80% LTV Up to £1 million available to 75% LTV
Repayment
Capital & Interest; Interest Only
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper24 Light - Suitable for clients that haven’t had a Default in the last 24 months and who have never had a CCJ

LMR = 1.10%
Effective 21st September 2020
&nbsp

5 Year Fixed

LTV
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Reversion Rates (LMR+)
70%
4.30%
4.30%
1.50%
4.35%
4.35%
£1,995.00 / £2,995.00
4.00%
75%
4.50%
4.50%
4.55%
4.55%
4.25%
&nbsp
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £150
*Completion Fee:
For loans between £25,001 and £300,000 a completion fee of £1,995 applies.
For loans between £300,001 and £700,000 a completion fee of £2,995 applies.
Credit Criteria
CCJs
None
Defaults
0 in 24 months
CCJ Value
None
Mortgage/Secured Arrears:
0 in 24 months (No arrears balance in last 6 months)
Bankruptcy/IVA:
Discharged > 6 years ago
Repossessions:
None in last 6 years
Debt Management Plan:
Considered if satisfied over 12 months ago
Applicants
Minimum Age:
21 Years
Maximum Age:
Maximum 85 years (at end of term)
Maximum Applicants:
4
Employed:
Minimum of 6 months in current job and not in probation. Evidence of employment history is required to cover the last 12 months
Self-Employed:
Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts
Loan Size
Minimum:
£25,001
Maximum:
Up to £750,000 available to 80% LTV Up to £1 million available to 75% LTV
Repayment
Capital & Interest; Interest Only
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper24 - Suitable for Limited Company landlords that haven't had a CCJ or Default in the last 24 months

LMR = 1.10%
Effective 21st September 2020
&nbsp

5 Year Fixed

LTV
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Reversion Rates (LMR+)
70%
4.40%
4.40%
1.50%
4.45%
4.45%
£1,995.00 / £2,995.00
4.00%
75%
4.60%
4.60%
4.65%
4.65%
4.25%
&nbsp
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £150
*Completion Fee:
For loans between £25,001 and £300,000 a completion fee of £1,995 applies.
For loans between £300,001 and £700,000 a completion fee of £2,995 applies.
Credit Criteria
CCJs
0 in 24 months
Defaults
0 in 24 months
CCJ Value
No limit
Mortgage/Secured Arrears:
0 in 24 months (No arrears balance in last 6 months)
Bankruptcy/IVA:
Discharged > 6 years ago
Repossessions:
None in last 6 years
Debt Management Plan:
Considered if satisfied over 12 months ago
Applicants
Minimum Age:
21 Years
Maximum Age:
Maximum 85 years (at end of term)
Maximum Applicants:
4
Employed:
Minimum of 6 months in current job and not in probation. Evidence of employment history is required to cover the last 12 months
Self-Employed:
Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts
Loan Size
Minimum:
£25,001
Maximum:
Up to £750,000 available to 80% LTV Up to £1 million available to 75% LTV
Repayment
Capital & Interest; Interest Only
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper18 Light - Suitable for clients that haven’t had a Default in the last 18 months and who have never had a CCJ

LMR = 1.10%
Effective 21st September 2020
&nbsp

5 Year Fixed

LTV
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Reversion Rates (LMR+)
70%
5.40%
5.40%
1.50%
5.45%
5.45%
£1,995.00 / £2,995.00
4.25%
75%
5.70%
5.70%
5.75%
5.75%
4.50%
&nbsp
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £150
*Completion Fee:
For loans between £25,001 and £300,000 a completion fee of £1,995 applies.
For loans between £300,001 and £700,000 a completion fee of £2,995 applies.
Credit Criteria
CCJs
None
Defaults
0 in 18 months
CCJ Value
None
Mortgage/Secured Arrears:
0 in 18 months (No arrears balance in last 6 months)
Bankruptcy/IVA:
Discharged > 6 years ago
Repossessions:
None in last 6 years
Debt Management Plan:
Considered if satisfied over 12 months ago
Applicants
Minimum Age:
21 Years
Maximum Age:
Maximum 85 years (at end of term)
Maximum Applicants:
4
Employed:
Minimum of 6 months in current job and not in probation. Evidence of employment history is required to cover the last 12 months
Self-Employed:
Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts
Loan Size
Minimum:
£25,001
Maximum:
Up to £750,000 available to 80% LTV Up to £1 million available to 75% LTV
Repayment
Capital & Interest; Interest Only
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper18 - Suitable for Limited Company landlords that haven't had a CCJ or Default in the last 18 months

LMR = 1.10%
Effective 21st September 2020
&nbsp

5 Year Fixed

LTV
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Reversion Rates (LMR+)
70%
5.50%
5.50%
1.50%
5.55%
5.55%
£1,995.00 / £2,995.00
4.25%
75%
5.80%
5.80%
5.85%
5.85%
4.50%
&nbsp
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £150
*Completion Fee:
For loans between £25,001 and £300,000 a completion fee of £1,995 applies.
For loans between £300,001 and £700,000 a completion fee of £2,995 applies.
Credit Criteria
CCJs
0 in 18 months
Defaults
0 in 18 months
CCJ Value
No limit
Mortgage/Secured Arrears:
0 in 18 months (No arrears balance in last 6 months)
Bankruptcy/IVA:
Discharged > 6 years ago
Repossessions:
None in last 6 years
Debt Management Plan:
Considered if satisfied over 12 months ago
Applicants
Minimum Age:
21 Years
Maximum Age:
Maximum 85 years (at end of term)
Maximum Applicants:
4
Employed:
Minimum of 6 months in current job and not in probation. Evidence of employment history is required to cover the last 12 months
Self-Employed:
Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts
Loan Size
Minimum:
£25,001
Maximum:
Up to £750,000 available to 80% LTV Up to £1 million available to 75% LTV
Repayment
Capital & Interest; Interest Only
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper12 Light - Suitable for clients that haven’t had a Default in the last 12 months and who have never had a CCJ

LMR = 1.10%
Effective 21st September 2020
&nbsp

5 Year Fixed

LTV
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Reversion Rates (LMR+)
70%
6.10%
6.10%
1.50%
6.15%
6.15%
£1,995.00 / £2,995.00
4.55%
&nbsp
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £150
*Completion Fee:
For loans between £25,001 and £300,000 a completion fee of £1,995 applies.
For loans between £300,001 and £700,000 a completion fee of £2,995 applies.
Credit Criteria
CCJs
None
Defaults
0 in 12 months
CCJ Value
None
Mortgage/Secured Arrears:
0 in 12 months (No arrears balance in last 6 months)
Bankruptcy/IVA:
Discharged > 6 years ago
Repossessions:
None in last 6 years
Debt Management Plan:
Considered if satisfied over 12 months ago
Applicants
Minimum Age:
21 Years
Maximum Age:
Maximum 85 years (at end of term)
Maximum Applicants:
4
Employed:
Minimum of 6 months in current job and not in probation. Evidence of employment history is required to cover the last 12 months
Self-Employed:
Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts
Loan Size
Minimum:
£25,001
Maximum:
Up to £750,000 available to 80% LTV Up to £1 million available to 75% LTV
Repayment
Capital & Interest; Interest Only
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper12 - Suitable for Limited Company landlords that haven't had a CCJ or Default in the last 12 months

LMR = 1.10%
Effective 21st September 2020
&nbsp

5 Year Fixed

LTV
Initial Rate
Rental Calc
Comp Fee
Initial Rate
Rental Calc
Comp Fee*
Reversion Rates (LMR+)
70%
6.20%
6.20%
1.50%
6.25%
6.25%
£1,995.00 / £2,995.00
4.55%
&nbsp
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £150
*Completion Fee:
For loans between £25,001 and £300,000 a completion fee of £1,995 applies.
For loans between £300,001 and £700,000 a completion fee of £2,995 applies.
Credit Criteria
CCJs
0 in 12 months
Defaults
0 in 12 months
CCJ Value
No limit
Mortgage/Secured Arrears:
0 in 12 months (No arrears balance in last 6 months)
Bankruptcy/IVA:
Discharged > 6 years ago
Repossessions:
None in last 6 years
Debt Management Plan:
Considered if satisfied over 12 months ago
Applicants
Minimum Age:
21 Years
Maximum Age:
Maximum 85 years (at end of term)
Maximum Applicants:
4
Employed:
Minimum of 6 months in current job and not in probation. Evidence of employment history is required to cover the last 12 months
Self-Employed:
Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts
Loan Size
Minimum:
£25,001
Maximum:
Up to £750,000 available to 80% LTV Up to £1 million available to 75% LTV
Repayment
Capital & Interest; Interest Only
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

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