Product finder

When was the last CCJ?
Is there a Debt Management Plan (DMP)?
When was the last Default?
Are there any mortgage/secured arrears?

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

30 Month Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
£1,295
£1,195
£1,195
3.64%
£995
3.74%
£995
3.84%
£0
3.75%
75%
3.34%
3.34%
3.44%
3.74%
3.84%
4.09%
3.90%
80%
3.74%
3.74%
3.84%
3.94%
4.04%
4.19%
4.15%
85%
4.59%
4.74%
4.54%
4.64%
4.89%
4.40%
Free Valuation*
Free Valuation*
Free Valuation*
ERC: 3%, 2%
ERC: 3% (12 months), 2% (18 months)
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
* For Free Valuation products: One free standard valuation for properties valued up to £500,000
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:
75 Years
Maximum Applicants:
2
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 £ 1 million available to 75% LTV
Up to £750,000 available to 85% LTV
Repayment
85% for Capital & Interest applications; 60% for Interest only applications
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

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

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

30 Month Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
£1,295
£1,195
£1,195
3.69%
£995
3.79%
£995
3.89%
£0
3.75%
75%
3.39%
3.39%
3.49%
3.79%
3.89%
4.14%
3.90%
80%
3.79%
3.79%
3.89%
3.99%
4.09%
4.24%
4.15%
85%
4.59%
4.69%
4.94%
4.40%
Free Valuation*
Free Valuation*
Free Valuation*
ERC: 3%, 2%
ERC: 3% (12 months), 2% (18 months)
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
* For Free Valuation products: One free standard valuation for properties valued up to £500,000
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:
75 Years
Maximum Applicants:
2
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 £ 1 million available to 75% LTV
Up to £750,000 available to 85% LTV
Repayment
85% for Capital & Interest applications; 60% for Interest only applications
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

30 Month Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
£1,295
£1,195
£1,195
3.79%
£995
3.89%
£995
4.04%
£0
3.75%
75%
3.49%
3.49%
3.59%
3.84%
3.94%
4.19%
3.90%
80%
3.89%
3.89%
3.99%
4.09%
4.19%
4.34%
4.15%
85%
4.64%
4.74%
4.99%
4.40%
Free Valuation*
Free Valuation*
Free Valuation*
ERC: 3%, 2%
ERC: 3% (12 months), 2% (18 months)
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
* For Free Valuation products: One free standard valuation for properties valued up to £500,000
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:
75 Years
Maximum Applicants:
2
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 £ 1 million available to 75% LTV
Up to £750,000 available to 85% LTV
Repayment
85% for Capital & Interest applications; 60% for Interest only applications
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

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

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

30 Month Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
£1,295
£1,195
£1,195
3.89%
£995
3.99%
£995
4.14%
£0
3.75%
75%
3.59%
3.59%
3.69%
3.94%
4.04%
4.29%
3.90%
80%
3.99%
3.99%
4.14%
4.19%
4.29%
4.44%
4.15%
85%
4.74%
4.84%
5.09%
4.40%
Free Valuation*
Free Valuation*
Free Valuation*
ERC: 3%, 2%
ERC: 3% (12 months), 2% (18 months)
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
* For Free Valuation products: One free standard valuation for properties valued up to £500,000
Credit Criteria
CCJs
0 in 36 months
Defaults
0 in 36 months
CCJ Value
No limit
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:
75 Years
Maximum Applicants:
2
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 £ 1 million available to 75% LTV
Up to £750,000 available to 85% LTV
Repayment
85% for Capital & Interest applications; 60% for Interest only applications
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

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
4.45%
£1,295
4.55%
£1,295
3.75%
75%
4.65%
4.75%
3.90%
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
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:
75 Years
Maximum Applicants:
2
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 £ 1 million available to 75% LTV
Repayment
75% for Capital & Interest applications; 60% for Interest only applications
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

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

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
4.55%
£1,295
4.65%
£1,295
3.75%
75%
4.75%
4.85%
3.90%
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
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:
75 Years
Maximum Applicants:
2
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 £ 1 million available to 75% LTV
Repayment
75% for Capital & Interest applications; 60% for Interest only applications
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

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
5.15%
£1,295
5.40%
£1,295
4.05%
75%
5.35%
5.60%
4.20%
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
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:
75 Years
Maximum Applicants:
2
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 £ 1 million available to 75% LTV
Repayment
75% for Capital & Interest applications; 60% for Interest only applications
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

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

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
5.25%
£1,295
5.50%
£1,295
4.05%
75%
5.45%
5.70%
4.20%
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
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:
75 Years
Maximum Applicants:
2
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 £ 1 million available to 75% LTV
Repayment
75% for Capital & Interest applications; 60% for Interest only applications
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

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
5.85%
£1,295
5.95%
£1,295
4.35%
75%
6.05%
6.15%
4.60%
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
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:
75 Years
Maximum Applicants:
2
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 £ 1 million available to 75% LTV
Repayment
75% for Capital & Interest applications; 60% for Interest only applications
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

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

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
5.95%
£1,295
6.05%
£1,295
4.35%
75%
6.15%
6.25%
4.60%
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
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:
75 Years
Maximum Applicants:
2
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 £ 1 million available to 75% LTV
Repayment
75% for Capital & Interest applications; 60% for Interest only applications
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper24 DMP - Suitable for clients that are in a Debt Management Plan or have satisfied one in the last 12 months

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
4.80%
£995
4.90%
£995
3.75%
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
Credit Criteria
CCJs
0 in 24 months
Defaults
0 in 24 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:
Accepted for active or satisfied in the last 12 months. Must have been in the DMP for at least 12 months and able to provide proof of satisfactory payments from DMP provider. For remortgages, capital raising can be considered to clear the DMP. No more than 1 active DMP per application.
Applicants
Minimum Age:
21 Years
Maximum Age:
75 Years
Maximum Applicants:
2
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 £1 million available to 70% LTV
Repayment
70% for Capital & Interest applications; 60% for Interest only applications
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper18 DMP - Suitable for clients that are in a Debt Management Plan or have satisfied one in the last 12 months

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
5.40%
£995
5.60%
£995
4.05%
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
Credit Criteria
CCJs
0 in 18 months
Defaults
0 in 18 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:
Accepted for active or satisfied in the last 12 months. Must have been in the DMP for at least 12 months and able to provide proof of satisfactory payments from DMP provider. For remortgages, capital raising can be considered to clear the DMP. No more than 1 active DMP per application.
Applicants
Minimum Age:
21 Years
Maximum Age:
75 Years
Maximum Applicants:
2
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 £1 million available to 70% LTV
Repayment
70% for Capital & Interest applications; 60% for Interest only applications
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

Pepper12 DMP - Suitable for clients that are in a Debt Management Plan or have satisfied one in the last 12 months

LMR = 1.10%
Effective 21st September 2020
&nbsp

2 Year Fixed

5 Year Fixed

LTV
Initial Rate
Comp fee
Initial Rate
Comp fee
Reversion Rates (LMR+)
70%
6.05%
£995
6.15%
£995
4.35%
ERC: 3%, 2%
ERC: 4%, 4%, 3%, 3%, 2%
Application Fee: £135
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:
Accepted for active or satisfied in the last 12 months. Must have been in the DMP for at least 12 months and able to provide proof of satisfactory payments from DMP provider. For remortgages, capital raising can be considered to clear the DMP. No more than 1 active DMP per application.
Applicants
Minimum Age:
21 Years
Maximum Age:
75 Years
Maximum Applicants:
2
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 £1 million available to 70% LTV
Repayment
70% for Capital & Interest applications; 60% for Interest only applications
Property Value
Minimum:
£70,000
Term
Minimum:
5 Years
Maximum:
35 Years

We offer free standard legals across our remortgage range using our nominated solicitors. For clients wishing to select a firm from our wider panel at their cost, we apply a 0.01% reduction to the initial rate. For more information, please visit our Solicitor Panel.

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Important information

Following the announcement of a national lockdown in England from 5th November, there are no changes to valuation services and the ability for our valuers to carry out internal inspections. These will remain subject to a full risk assessment and our valuers will review each instruction based on an individual basis, the customer and the surveyor will make the final call regarding proceeding with the internal inspection.

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