Our specialist Residential mortgages

  • We allow capital raising, without LTV restriction, for most reasons including business and debt consolidation
  • We have no debt to income ratio
  • We accept 1 year’s minimum trading for self-employed applicants, even if they’re new to the industry
  • We allow “add backs” for your Limited Company clients, allowing us to use their pension contributions, director’s car allowance, and use of home office costs as income. This is great for boosting affordability in addition to their salary & dividends.
  • We use the latest year's figures for affordability when your self-employed applicant has been trading for 2 years or more.
  • We take earned income up to our maximum age of 75 years at the end of the term without the need for pension proof and as long as the client’s role is plausible
  • We have Interest Only options available up to 60% LTV.
  • Suitable for clients that haven’t had a CCJ or Default in the last 48 months

2 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
75%
3.80%
£1,295
3.90%
3%, 2%
£135.00
80%
4.10%
4.15%

5 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
75%
4.00%
£1,295
3.90%
4%, 4%, 3%, 3%, 2%
£135.00
80%
4.15%
4.15%

LMR = 1.50% Effective for all new business from January 2020

  • Suitable for clients that haven’t had a CCJ or Default in the last 36 months

2 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
75%
3.90%
£1,295
3.90%
3%, 2%
£135.00
80%
4.30%
4.15%

5 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
75%
4.25%
£1,295
3.90%
4%, 4%, 3%, 3%, 2%
£135.00
80%
4.45%
4.15%

LMR = 1.50% Effective for all new business from January 2020

  • Suitable for clients that haven’t had a CCJ or Default in the last 24 months

2 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
4.55%
£1,295
3.70%
3%, 2%
£135.00
75%
4.75%
3.90%

5 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
4.65%
£1,295
3.75%
4%, 4%, 3%, 3%, 2%
£135.00
75%
4.85%
3.90%

LMR = 1.50% Effective for all new business from January 2020

  • Suitable for clients that haven’t had a CCJ or Default in the last 18 months

2 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
5.25%
£1,295
4.05%
3%, 2%
£135.00
75%
5.45%
4.20%

5 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
5.50%
£1,295
4.05%
4%, 4%, 3%, 3%, 2%
£135.00
75%
5.70%
4.20%

LMR = 1.50% Effective for all new business from January 2020

  • Suitable for clients that haven’t had a CCJ or Default in the last 12 months

2 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
5.95%
£1,295
4.35%
3%, 2%
£135.00
75%
6.15%
4.60%

5 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
6.05%
£1,295
4.35%
4%, 4%, 3%, 3%, 2%
£135.00
75%
6.25%
4.60%

LMR = 1.50% Effective for all new business from January 2020

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

2 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
75%
3.70%
£1,295
3.90%
3%, 2%
£135.00
80%
4.00%
4.15%

5 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
75%
3.90%
£1,295
3.90%
4%, 4%, 3%, 3%, 2%
£135.00
80%
4.05%
4.15%

LMR = 1.50% Effective for all new business from January 2020

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

2 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
75%
3.80%
£1,295
3.90%
3%, 2%
£135.00
80%
4.20%
4.15%

5 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
75%
4.15%
£1,295
3.90%
4%, 4%, 3%, 3%, 2%
£135.00
80%
4.35%
4.15%

LMR = 1.50% Effective for all new business from January 2020

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

2 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
4.45%
£1,295
3.75%
3%, 2%
£135.00
75%
4.65%
3.90%

5 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
4.55%
£1,295
3.75%
4%, 4%, 3%, 3%, 2%
£135.00
75%
4.75%
3.90%

LMR = 1.50% Effective for all new business from January 2020

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

2 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
5.15%
£1,295
4.05%
3%, 2%
£135.00
75%
5.35%
4.20%

5 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
5.40%
£1,295
4.05%
4%, 4%, 3%, 3%, 2%
£135.00
75%
5.60%
4.20%

LMR = 1.50% Effective for all new business from January 2020

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

2 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
5.85%
£1,295
4.35%
3%, 2%
£135.00
75%
6.05%
4.60%

5 Year Fixed

LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
Application fee
70%
5.95%
£1,295
4.35%
4%, 4%, 3%, 3%, 2%
£135.00
75%
6.15%
4.60%

LMR = 1.50% Effective for all new business from January 2020

  • Suitable for clients that are in a Debt Management Plan or have satisfied one in the last 12 months

2 Year Fixed

Product
LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
CCJs/ Defaults
Mortgage/ Secured Arrears
Application fee
Pepper 24 DMP
70%
4.80%
£995
3.75%
3%, 2%
0 in 24 months
0 in 24 months (No arrears balance in last 6 months)
£135.00
Pepper 18 DMP
70%
5.40%
4.05%
0 in 18 months
0 in 18 months (No arrears balance in last 6 months)
Pepper 12 DMP
70%
6.05%
4.35%
0 in 12 months
0 in 12 months (No arrears balance in last 6 months)

5 Year Fixed

Product
LTV
Initial Rate
Completion Fee
Reversion Rate (LMR+)
ERC
CCJs/ Defaults
Mortgage/ Secured Arrears
Application fee
Pepper 24 DMP
70%
4.90%
£995
3.75%
4%, 4%, 3%, 3%, 2%
0 in 24 months
0 in 24 months (No arrears balance in last 6 months)
£135.00
Pepper 18 DMP
70%
5.60%
4.05%
0 in 18 months
0 in 18 months (No arrears balance in last 6 months)
Pepper 12 DMP
70%
6.15%
4.35%
0 in 12 months
0 in 12 months (No arrears balance in last 6 months)

LMR = 1.50% Effective for all new business from January 2020

We offer free standard legals across our remortgage range using our nominated solicitors. For more information, please visit our Solicitor Panel.

Our Tool Kit

  • Documents

Find the right Pepper Money mortgage (including DMP) for your client.

  • Packaging

All the information you need to package a case with us

  • Affordability Calculators

It should only take you a few minutes to find out how much your client could borrow with us. Please note the results are indicative and should be used as a guide only.

  • Downloads

Forms, product guides, and other useful documents.

  • FAQs

Got a question about working with us at Pepper Money? Start here.

  • Solicitor panel

View our solicitor panel and details about our free legals remortgage.

What's next?

To discuss a case, or find out more about our products, call our experienced team.

Ready to submit? Log into the application portal to get started, or register if it’s your first case with Pepper Money.

Our office hours are : Monday to Friday, 9am - 5:30pm

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