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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
75%
3.70%
3.90%
3%, 2%
80%
4.00%
4.15%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
75%
3.90%
3.90%
4%, 4%, 3%, 3%, 2%
80%
4.05%
4.15%
Completion Fee :
£1,295
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
75%
3.80%
3.90%
3%, 2%
80%
4.10%
4.15%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
75%
4.00%
3.90%
4%, 4%, 3%, 3%, 2%
80%
4.15%
4.15%
Completion Fee :
£1,295
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
75%
3.80%
3.90%
3%, 2%
80%
4.20%
4.15%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
75%
4.15%
3.90%
4%, 4%, 3%, 3%, 2%
80%
4.35%
4.15%
Completion Fee :
£1,295
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
75%
3.90%
3.90%
3%, 2%
80%
4.30%
4.15%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
75%
4.25%
3.90%
4%, 4%, 3%, 3%, 2%
80%
4.45%
4.15%
Completion Fee :
£1,295
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
4.45%
3.75%
3%, 2%
75%
4.65%
3.90%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
4.55%
3.75%
4%, 4%, 3%, 3%, 2%
75%
4.75%
3.90%
Completion Fee :
£1,295
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
4.55%
3.75%
3%, 2%
75%
4.75%
3.90%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
4.65%
3.75%
4%, 4%, 3%, 3%, 2%
75%
4.85%
3.90%
Completion Fee :
£1,295
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
5.15%
4.05%
3%, 2%
75%
5.35%
4.20%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
5.40%
4.05%
4%, 4%, 3%, 3%, 2%
75%
5.60%
4.20%
Completion Fee :
£1,295
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
5.25%
4.05%
3%, 2%
75%
5.45%
4.20%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
5.50%
4.05%
4%, 4%, 3%, 3%, 2%
75%
5.70%
4.20%
Completion Fee :
£1,295
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
5.85%
4.35%
3%, 2%
75%
6.05%
4.60%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
5.95%
4.35%
4%, 4%, 3%, 3%, 2%
75%
6.15%
4.60%
Completion Fee :
£1,295
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
5.95%
4.35%
3%, 2%
75%
6.15%
4.60%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
6.05%
4.35%
4%, 4%, 3%, 3%, 2%
75%
6.25%
4.60%
Completion Fee :
£1,295
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
4.80%
3.75%
3%, 2%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
4.90%
3.75%
4%, 4%, 3%, 3%, 2%
Completion Fee :
£995
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
5.40%
4.05%
3%, 2%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
5.60%
4.05%
4%, 4%, 3%, 3%, 2%
Completion Fee :
£995
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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

2 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
6.05%
4.35%
3%, 2%

5 Year Fixed

LTV
Initial Rate
Reversion Rate (LMR+)
ERC
70%
6.15%
4.35%
4%, 4%, 3%, 3%, 2%
Completion Fee :
£995
Application fee :
£135.00
LMR :
LMR = 1.10% Effective for all new business from August 2020
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 80% LTV
Repayment
80% 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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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.

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