Residential
Helping you to succeed
We can help you place more specialist Residential mortgage customers, whether they’re first-time buyers with no credit history, self-employed with one year’s trading history, or existing homeowners looking to consolidate their debts.
Our inclusive range of specialist mortgages, combined with our quick turnarounds and direct access to underwriters could be the answer. Our products are structured for simplicity, with tiers based on your customer’s most recently registered adverse credit including CCJs, defaults and secured missed payments.
A little extra flex
Thanks to Pepper Flex, we can say ‘yes’ to more of your customers – with a modest uplift to the completion fee
Unsecured credit
Unsecured credit never affects product tier
Capital raising up to our max LTV
Raise capital for any legal purpose, including debt consolidation up to our max 90% LTV
Helping the self-employed
One year’s self-employed trading or most recent year's accounts accepted
No credit score
Suitable for your customers who may miss credit scoring thresholds
No value limits on CCJs & defaults
No value limit on CCJs and defaults; no need for them to be satisfied
Try our easy to use product finder
Residential Mortgage Product Rates and Criteria
- For Intermediary use only
- June 2026
- LMR = 4.25% (As of 15th January 2026)
Residential - STandard range
Pepper48 LightSuitable for customers: with no Default in the last 48 months 
never had a CCJ
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Light
Product Code: R500052607275
Pepper48 Light
(Remortgage only)
Product Code: R500792607275
Pepper48 Light
Product Code: R500062607275
Pepper48 Light
(Remortgage only)
Product Code: R500802607275
Pepper48 Light
Product Code: R500072607275
Pepper48 Light
(Remortgage only)
Product Code: R500812607275
Pepper48 Light
Product Code: R300042607275
Pepper48 Light
(Remortgage only)
Product Code: R300402607275
Pepper48 Light
Product Code: R200012607275
Pepper48 Light
(Remortgage only)
Product Code: R200762607275
Pepper48 Light
Product Code: R200022607275
Pepper48 Light
(Remortgage only)
Product Code: R200772607275
Pepper48 Light
Product Code: R200032607275
Pepper48 Light
(Remortgage only)
Product Code: R200782607275
Pepper48 Light
Product Code: R500052607280
Pepper48 Light
(Remortgage only)
Product Code: R500792607280
Pepper48 Light
Product Code: R500062607280
Pepper48 Light
(Remortgage only)
Product Code: R500802607280
Pepper48 Light
Product Code: R500072607280
Pepper48 Light
(Remortgage only)
Product Code: R500812607280
Pepper48 Light
Product Code: R300042607280
Pepper48 Light
(Remortgage only)
Product Code: R300402607280
Pepper48 Light
Product Code: R200012607280
Pepper48 Light
(Remortgage only)
Product Code: R200762607280
Pepper48 Light
Product Code: R200022607280
Pepper48 Light
(Remortgage only)
Product Code: R200772607280
Pepper48 Light
Product Code: R200032607280
Pepper48 Light
(Remortgage only)
Product Code: R200782607280
Pepper48 Light
Product Code: R500052607285
Pepper48 Light
(Remortgage only)
Product Code: R500792607285
Pepper48 Light
Product Code: R500062607285
Pepper48 Light
(Remortgage only)
Product Code: R500802607285
Pepper48 Light
Product Code: R500072607285
Pepper48 Light
(Remortgage only)
Product Code: R500812607285
Pepper48 Light
Product Code: R300042607285
Pepper48 Light
(Remortgage only)
Product Code: R300402607285
Pepper48 Light
Product Code: R200012607285
Pepper48 Light
(Remortgage only)
Product Code: R200762607285
Pepper48 Light
Product Code: R200022607285
Pepper48 Light
(Remortgage only)
Product Code: R200772607285
Pepper48 Light
Product Code: R200032607285
Pepper48 Light
(Remortgage only)
Product Code: R200782607285
Pepper48 Light
Product Code: R501632607290
Pepper48 Light
(Remortgage only)
Product Code: R501752607290
Pepper48 Light
Product Code: R501642607290
Pepper48 Light
(Remortgage only)
Product Code: R501762607290
Pepper48 Light
Product Code: R501652607290
Pepper48 Light
(Remortgage only)
Product Code: R501772607290
Pepper48 Light
Product Code: R201602607290
Pepper48 Light
(Remortgage only)
Product Code: R201722607290
Pepper48 Light
Product Code: R201612607290
Pepper48 Light
(Remortgage only)
Product Code: R201732607290
Pepper48 Light
Product Code: R201622607290
Pepper48 Light
(Remortgage only)
Product Code: R201742607290
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper48Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Pepper48
Product Code: R500122607275
Pepper48
(Remortgage only)
Product Code: R500822607275
Pepper48
Product Code: R500132607275
Pepper48
(Remortgage only)
Product Code: R500832607275
Pepper48
Product Code: R500142607275
Pepper48
(Remortgage only)
Product Code: R500842607275
Pepper48
Product Code: R300112607275
Pepper48
(Remortgage only)
Product Code: R300412607275
Pepper48
Product Code: R200082607275
Pepper48
(Remortgage only)
Product Code: R200792607275
Pepper48
Product Code: R200092607275
Pepper48
(Remortgage only)
Product Code: R200802607275
Pepper48
Product Code: R200102607275
Pepper48
(Remortgage only)
Product Code: R200812607275
Pepper48
Product Code: R500122607280
Pepper48
(Remortgage only)
Product Code: R500822607280
Pepper48
Product Code: R500132607280
Pepper48
(Remortgage only)
Product Code: R500832607280
Pepper48
Product Code: R500142607280
Pepper48
(Remortgage only)
Product Code: R500842607280
Pepper48
Product Code: R300112607280
Pepper48
(Remortgage only)
Product Code: R300412607280
Pepper48
Product Code: R200082607280
Pepper48
(Remortgage only)
Product Code: R200792607280
Pepper48
Product Code: R200092607280
Pepper48
(Remortgage only)
Product Code: R200802607280
Pepper48
Product Code: R200102607280
Pepper48
(Remortgage only)
Product Code: R200812607280
Pepper48
Product Code: R500122607285
Pepper48
(Remortgage only)
Product Code: R500822607285
Pepper48
Product Code: R500132607285
Pepper48
(Remortgage only)
Product Code: R500832607285
Pepper48
Product Code: R500142607285
Pepper48
(Remortgage only)
Product Code: R500842607285
Pepper48
Product Code: R300112607285
Pepper48
(Remortgage only)
Product Code: R300412607285
Pepper48
Product Code: R200082607285
Pepper48
(Remortgage only)
Product Code: R200792607285
Pepper48
Product Code: R200092607285
Pepper48
(Remortgage only)
Product Code: R200802607285
Pepper48
Product Code: R200102607285
Pepper48
(Remortgage only)
Product Code: R200812607285
Pepper48
Product Code: R501662607290
Pepper48
(Remortgage only)
Product Code: R501782607290
Pepper48
Product Code: R501672607290
Pepper48
(Remortgage only)
Product Code: R501792607290
Pepper48
Product Code: R501682607290
Pepper48
(Remortgage only)
Product Code: R501802607290
Pepper48
Product Code: R201632607290
Pepper48
(Remortgage only)
Product Code: R201752607290
Pepper48
Product Code: R201642607290
Pepper48
(Remortgage only)
Product Code: R201762607290
Pepper48
Product Code: R201652607290
Pepper48
(Remortgage only)
Product Code: R201772607290
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper36 LightSuitable for customers: with no Default in the last 36 months never had a CCJ
Suitable for customers: with no Default in the last 36 months never had a CCJ
Pepper36 Light
Product Code: R500192607275
Pepper36 Light
(Remortgage only)
Product Code: R500852607275
Pepper36 Light
Product Code: R500202607275
Pepper36 Light
(Remortgage only)
Product Code: R500862607275
Pepper36 Light
Product Code: R500212607275
Pepper36 Light
(Remortgage only)
Product Code: R500872607275
Pepper36 Light
Product Code: R300182607275
Pepper36 Light
(Remortgage only)
Product Code: R300422607275
Pepper36 Light
Product Code: R200152607275
Pepper36 Light
(Remortgage only)
Product Code: R200822607275
Pepper36 Light
Product Code: R200162607275
Pepper36 Light
(Remortgage only)
Product Code: R200832607275
Pepper36 Light
Product Code: R200172607275
Pepper36 Light
(Remortgage only)
Product Code: R200842607275
Pepper36 Light
Product Code: R500192607280
Pepper36 Light
(Remortgage only)
Product Code: R500852607280
Pepper36 Light
Product Code: R500202607280
Pepper36 Light
(Remortgage only)
Product Code: R500862607280
Pepper36 Light
Product Code: R500212607280
Pepper36 Light
(Remortgage only)
Product Code: R500872607280
Pepper36 Light
Product Code: R300182607280
Pepper36 Light
(Remortgage only)
Product Code: R300422607280
Pepper36 Light
Product Code: R200152607280
Pepper36 Light
(Remortgage only)
Product Code: R200822607280
Pepper36 Light
Product Code: R200162607280
Pepper36 Light
(Remortgage only)
Product Code: R200832607280
Pepper36 Light
Product Code: R200172607280
Pepper36 Light
(Remortgage only)
Product Code: R200842607280
Pepper36 Light
Product Code: R500192607285
Pepper36 Light
(Remortgage only)
Product Code: R500852607285
Pepper36 Light
Product Code: R500202607285
Pepper36 Light
(Remortgage only)
Product Code: R500862607285
Pepper36 Light
Product Code: R500212607285
Pepper36 Light
(Remortgage only)
Product Code: R500872607285
Pepper36 Light
Product Code: R300182607285
Pepper36 Light
(Remortgage only)
Product Code: R300422607285
Pepper36 Light
Product Code: R200152607285
Pepper36 Light
(Remortgage only)
Product Code: R200822607285
Pepper36 Light
Product Code: R200162607285
Pepper36 Light
(Remortgage only)
Product Code: R200832607285
Pepper36 Light
Product Code: R200172607285
Pepper36 Light
(Remortgage only)
Product Code: R200842607285
Pepper36 Light
Product Code: R501692607290
Pepper36 Light
(Remortgage only)
Product Code: R501812607290
Pepper36 Light
Product Code: R501702607290
Pepper36 Light
(Remortgage only)
Product Code: R501822607290
Pepper36 Light
Product Code: R501712607290
Pepper36 Light
(Remortgage only)
Product Code: R501832607290
Pepper36 Light
Product Code: R201662607290
Pepper36 Light
(Remortgage only)
Product Code: R201782607290
Pepper36 Light
Product Code: R201672607290
Pepper36 Light
(Remortgage only)
Product Code: R201792607290
Pepper36 Light
Product Code: R201682607290
Pepper36 Light
(Remortgage only)
Product Code: R201802607290
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper36Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36
Product Code: R500262607275
Pepper36
(Remortgage only)
Product Code: R500882607275
Pepper36
Product Code: R500272607275
Pepper36
(Remortgage only)
Product Code: R500892607275
Pepper36
Product Code: R500282607275
Pepper36
(Remortgage only)
Product Code: R500902607275
Pepper36
Product Code: R300252607275
Pepper36
(Remortgage only)
Product Code: R300432607275
Pepper36
Product Code: R200222607275
Pepper36
(Remortgage only)
Product Code: R200852607275
Pepper36
Product Code: R200232607275
Pepper36
(Remortgage only)
Product Code: R200862607275
Pepper36
Product Code: R200242607275
Pepper36
(Remortgage only)
Product Code: R200872607275
Pepper36
Product Code: R500262607280
Pepper36
(Remortgage only)
Product Code: R500882607280
Pepper36
Product Code: R500272607280
Pepper36
(Remortgage only)
Product Code: R500892607280
Pepper36
Product Code: R500282607280
Pepper36
(Remortgage only)
Product Code: R500902607280
Pepper36
Product Code: R300252607280
Pepper36
(Remortgage only)
Product Code: R300432607280
Pepper36
Product Code: R200222607280
Pepper36
(Remortgage only)
Product Code: R200852607280
Pepper36
Product Code: R200232607280
Pepper36
(Remortgage only)
Product Code: R200862607280
Pepper36
Product Code: R200242607280
Pepper36
(Remortgage only)
Product Code: R200872607280
Pepper36
Product Code: R500262607285
Pepper36
(Remortgage only)
Product Code: R500882607285
Pepper36
Product Code: R500272607285
Pepper36
(Remortgage only)
Product Code: R500892607285
Pepper36
Product Code: R500282607285
Pepper36
(Remortgage only)
Product Code: R500902607285
Pepper36
Product Code: R300252607285
Pepper36
(Remortgage only)
Product Code: R300432607285
Pepper36
Product Code: R200222607285
Pepper36
(Remortgage only)
Product Code: R200852607285
Pepper36
Product Code: R200232607285
Pepper36
(Remortgage only)
Product Code: R200862607285
Pepper36
Product Code: R200242607285
Pepper36
(Remortgage only)
Product Code: R200872607285
Pepper36
Product Code: R501722607290
Pepper36
(Remortgage only)
Product Code: R501842607290
Pepper36
Product Code: R501732607290
Pepper36
(Remortgage only)
Product Code: R501852607290
Pepper36
Product Code: R501742607290
Pepper36
(Remortgage only)
Product Code: R501862607290
Pepper36
Product Code: R201692607290
Pepper36
(Remortgage only)
Product Code: R201812607290
Pepper36
Product Code: R201702607290
Pepper36
(Remortgage only)
Product Code: R201822607290
Pepper36
Product Code: R201712607290
Pepper36
(Remortgage only)
Product Code: R201832607290
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper24 LightSuitable for customers: with no Default in the last 24 months never had a CCJ
Suitable for customers: with no Default in the last 24 months never had a CCJ
Pepper24 Light
Product Code: R500332607275
Pepper24 Light
(Remortgage only)
Product Code: R500912607275
Pepper24 Light
Product Code: R500342607275
Pepper24 Light
(Remortgage only)
Product Code: R500922607275
Pepper24 Light
Product Code: R500352607275
Pepper24 Light
(Remortgage only)
Product Code: R500932607275
Pepper24 Light
Product Code: R300322607275
Pepper24 Light
(Remortgage only)
Product Code: R300442607275
Pepper24 Light
Product Code: R200292607275
Pepper24 Light
(Remortgage only)
Product Code: R200882607275
Pepper24 Light
Product Code: R200302607275
Pepper24 Light
(Remortgage only)
Product Code: R200892607275
Pepper24 Light
Product Code: R200312607275
Pepper24 Light
(Remortgage only)
Product Code: R200902607275
Pepper24 Light
Product Code: R500332607280
Pepper24 Light
(Remortgage only)
Product Code: R500912607280
Pepper24 Light
Product Code: R500342607280
Pepper24 Light
(Remortgage only)
Product Code: R500922607280
Pepper24 Light
Product Code: R500352607280
Pepper24 Light
(Remortgage only)
Product Code: R500932607280
Pepper24 Light
Product Code: R300322607280
Pepper24 Light
(Remortgage only)
Product Code: R300442607280
Pepper24 Light
Product Code: R200292607280
Pepper24 Light
(Remortgage only)
Product Code: R200882607280
Pepper24 Light
Product Code: R200302607280
Pepper24 Light
(Remortgage only)
Product Code: R200892607280
Pepper24 Light
Product Code: R200312607280
Pepper24 Light
(Remortgage only)
Product Code: R200902607280
Pepper24 Light
Product Code: R500332607285
Pepper24 Light
(Remortgage only)
Product Code: R500912607285
Pepper24 Light
Product Code: R500342607285
Pepper24 Light
(Remortgage only)
Product Code: R500922607285
Pepper24 Light
Product Code: R500352607285
Pepper24 Light
(Remortgage only)
Product Code: R500932607285
Pepper24 Light
Product Code: R300322607285
Pepper24 Light
(Remortgage only)
Product Code: R300442607285
Pepper24 Light
Product Code: R200292607285
Pepper24 Light
(Remortgage only)
Product Code: R200882607285
Pepper24 Light
Product Code: R200302607285
Pepper24 Light
(Remortgage only)
Product Code: R200892607285
Pepper24 Light
Product Code: R200312607285
Pepper24 Light
(Remortgage only)
Product Code: R200902607285
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper24Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24
Product Code: R500402607275
Pepper24
(Remortgage only)
Product Code: R500942607275
Pepper24
Product Code: R500412607275
Pepper24
(Remortgage only)
Product Code: R500952607275
Pepper24
Product Code: R500422607275
Pepper24
(Remortgage only)
Product Code: R500962607275
Pepper24
Product Code: R300392607275
Pepper24
(Remortgage only)
Product Code: R300452607275
Pepper24
Product Code: R200362607275
Pepper24
(Remortgage only)
Product Code: R200912607275
Pepper24
Product Code: R200372607275
Pepper24
(Remortgage only)
Product Code: R200922607275
Pepper24
Product Code: R200382607275
Pepper24
(Remortgage only)
Product Code: R200932607275
Pepper24
Product Code: R500402607280
Pepper24
(Remortgage only)
Product Code: R500942607280
Pepper24
Product Code: R500412607280
Pepper24
(Remortgage only)
Product Code: R500952607280
Pepper24
Product Code: R500422607280
Pepper24
(Remortgage only)
Product Code: R500962607280
Pepper24
Product Code: R300392607280
Pepper24
(Remortgage only)
Product Code: R300452607280
Pepper24
Product Code: R200362607280
Pepper24
(Remortgage only)
Product Code: R200912607280
Pepper24
Product Code: R200372607280
Pepper24
(Remortgage only)
Product Code: R200922607280
Pepper24
Product Code: R200382607280
Pepper24
(Remortgage only)
Product Code: R200932607280
Pepper24
Product Code: R500402607285
Pepper24
(Remortgage only)
Product Code: R500942607285
Pepper24
Product Code: R500412607285
Pepper24
(Remortgage only)
Product Code: R500952607285
Pepper24
Product Code: R500422607285
Pepper24
(Remortgage only)
Product Code: R500962607285
Pepper24
Product Code: R300392607285
Pepper24
(Remortgage only)
Product Code: R300452607285
Pepper24
Product Code: R200362607285
Pepper24
(Remortgage only)
Product Code: R200912607285
Pepper24
Product Code: R200372607285
Pepper24
(Remortgage only)
Product Code: R200922607285
Pepper24
Product Code: R200382607285
Pepper24
(Remortgage only)
Product Code: R200932607285
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper18 LightSuitable for customers: with no Default in the last 18 months never had a CCJ
Suitable for customers: with no Default in the last 18 months never had a CCJ
Pepper18 Light
Product Code: R500462607270
Pepper18 Light
(Remortgage only)
Product Code: R500972607270
Pepper18 Light
Product Code: R500472607270
Pepper18 Light
(Remortgage only)
Product Code: R500982607270
Pepper18 Light
Product Code: R500482607270
Pepper18 Light
(Remortgage only)
Product Code: R500992607270
Pepper18 Light
Product Code: R200432607270
Pepper18 Light
(Remortgage only)
Product Code: R200942607270
Pepper18 Light
Product Code: R200442607270
Pepper18 Light
(Remortgage only)
Product Code: R200952607270
Pepper18 Light
Product Code: R200452607270
Pepper18 Light
(Remortgage only)
Product Code: R200962607270
Pepper18 Light
Product Code: R500462607275
Pepper18 Light
(Remortgage only)
Product Code: R500972607275
Pepper18 Light
Product Code: R500472607275
Pepper18 Light
(Remortgage only)
Product Code: R500982607275
Pepper18 Light
Product Code: R500482607275
Pepper18 Light
(Remortgage only)
Product Code: R500992607275
Pepper18 Light
Product Code: R200432607275
Pepper18 Light
(Remortgage only)
Product Code: R200942607275
Pepper18 Light
Product Code: R200442607275
Pepper18 Light
(Remortgage only)
Product Code: R200952607275
Pepper18 Light
Product Code: R200452607275
Pepper18 Light
(Remortgage only)
Product Code: R200962607275
Pepper18 Light
Product Code: R500462607280
Pepper18 Light
(Remortgage only)
Product Code: R500972607280
Pepper18 Light
Product Code: R500472607280
Pepper18 Light
(Remortgage only)
Product Code: R500982607280
Pepper18 Light
Product Code: R500482607280
Pepper18 Light
(Remortgage only)
Product Code: R500992607280
Pepper18 Light
Product Code: R200432607280
Pepper18 Light
(Remortgage only)
Product Code: R200942607280
Pepper18 Light
Product Code: R200442607280
Pepper18 Light
(Remortgage only)
Product Code: R200952607280
Pepper18 Light
Product Code: R200452607280
Pepper18 Light
(Remortgage only)
Product Code: R200962607280
Pepper18 Light
Product Code: R500462607285
Pepper18 Light
(Remortgage only)
Product Code: R500972607285
Pepper18 Light
Product Code: R500472607285
Pepper18 Light
(Remortgage only)
Product Code: R500982607285
Pepper18 Light
Product Code: R500482607285
Pepper18 Light
(Remortgage only)
Product Code: R500992607285
Pepper18 Light
Product Code: R200432607285
Pepper18 Light
(Remortgage only)
Product Code: R200942607285
Pepper18 Light
Product Code: R200442607285
Pepper18 Light
(Remortgage only)
Product Code: R200952607285
Pepper18 Light
Product Code: R200452607285
Pepper18 Light
(Remortgage only)
Product Code: R200962607285
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper18Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Pepper18
Product Code: R500522607270
Pepper18
(Remortgage only)
Product Code: R501002607270
Pepper18
Product Code: R500532607270
Pepper18
(Remortgage only)
Product Code: R501012607270
Pepper18
Product Code: R500542607270
Pepper18
(Remortgage only)
Product Code: R501022607270
Pepper18
Product Code: R200492607270
Pepper18
(Remortgage only)
Product Code: R200972607270
Pepper18
Product Code: R200502607270
Pepper18
(Remortgage only)
Product Code: R200982607270
Pepper18
Product Code: R200512607270
Pepper18
(Remortgage only)
Product Code: R200992607270
Pepper18
Product Code: R500522607275
Pepper18
(Remortgage only)
Product Code: R501002607275
Pepper18
Product Code: R500532607275
Pepper18
(Remortgage only)
Product Code: R501012607275
Pepper18
Product Code: R500542607275
Pepper18
(Remortgage only)
Product Code: R501022607275
Pepper18
Product Code: R200492607275
Pepper18
(Remortgage only)
Product Code: R200972607275
Pepper18
Product Code: R200502607275
Pepper18
(Remortgage only)
Product Code: R200982607275
Pepper18
Product Code: R200512607275
Pepper18
(Remortgage only)
Product Code: R200992607275
Pepper18
Product Code: R500522607280
Pepper18
(Remortgage only)
Product Code: R501002607280
Pepper18
Product Code: R500532607280
Pepper18
(Remortgage only)
Product Code: R501012607280
Pepper18
Product Code: R500542607280
Pepper18
(Remortgage only)
Product Code: R501022607280
Pepper18
Product Code: R200492607280
Pepper18
(Remortgage only)
Product Code: R200972607280
Pepper18
Product Code: R200502607280
Pepper18
(Remortgage only)
Product Code: R200982607280
Pepper18
Product Code: R200512607280
Pepper18
(Remortgage only)
Product Code: R200992607280
Pepper18
Product Code: R500522607285
Pepper18
(Remortgage only)
Product Code: R501002607285
Pepper18
Product Code: R500532607285
Pepper18
(Remortgage only)
Product Code: R501012607285
Pepper18
Product Code: R500542607285
Pepper18
(Remortgage only)
Product Code: R501022607285
Pepper18
Product Code: R200492607285
Pepper18
(Remortgage only)
Product Code: R200972607285
Pepper18
Product Code: R200502607285
Pepper18
(Remortgage only)
Product Code: R200982607285
Pepper18
Product Code: R200512607285
Pepper18
(Remortgage only)
Product Code: R200992607285
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper12 LightSuitable for customers: with no Default in the last 12 months never had a CCJ
Suitable for customers: with no Default in the last 12 months never had a CCJ
Pepper12 Light
Product Code: R500582607270
Pepper12 Light
(Remortgage only)
Product Code: R501032607270
Pepper12 Light
Product Code: R500592607270
Pepper12 Light
(Remortgage only)
Product Code: R501042607270
Pepper12 Light
Product Code: R500602607270
Pepper12 Light
(Remortgage only)
Product Code: R501052607270
Pepper12 Light
Product Code: R200552607270
Pepper12 Light
(Remortgage only)
Product Code: R201002607270
Pepper12 Light
Product Code: R200562607270
Pepper12 Light
(Remortgage only)
Product Code: R201012607270
Pepper12 Light
Product Code: R200572607270
Pepper12 Light
(Remortgage only)
Product Code: R201022607270
Pepper12 Light
Product Code: R500582607275
Pepper12 Light
(Remortgage only)
Product Code: R501032607275
Pepper12 Light
Product Code: R500592607275
Pepper12 Light
(Remortgage only)
Product Code: R501042607275
Pepper12 Light
Product Code: R500602607275
Pepper12 Light
(Remortgage only)
Product Code: R501052607275
Pepper12 Light
Product Code: R200552607275
Pepper12 Light
(Remortgage only)
Product Code: R201002607275
Pepper12 Light
Product Code: R200562607275
Pepper12 Light
(Remortgage only)
Product Code: R201012607275
Pepper12 Light
Product Code: R200572607275
Pepper12 Light
(Remortgage only)
Product Code: R201022607275
Pepper12 Light
Product Code: R500582607280
Pepper12 Light
(Remortgage only)
Product Code: R501032607280
Pepper12 Light
Product Code: R500592607280
Pepper12 Light
(Remortgage only)
Product Code: R501042607280
Pepper12 Light
Product Code: R500602607280
Pepper12 Light
(Remortgage only)
Product Code: R501052607280
Pepper12 Light
Product Code: R200552607280
Pepper12 Light
(Remortgage only)
Product Code: R201002607280
Pepper12 Light
Product Code: R200562607280
Pepper12 Light
(Remortgage only)
Product Code: R201012607280
Pepper12 Light
Product Code: R200572607280
Pepper12 Light
(Remortgage only)
Product Code: R201022607280
Pepper12 Light
Product Code: R500582607285
Pepper12 Light
(Remortgage only)
Product Code: R501032607285
Pepper12 Light
Product Code: R500592607285
Pepper12 Light
(Remortgage only)
Product Code: R501042607285
Pepper12 Light
Product Code: R500602607285
Pepper12 Light
(Remortgage only)
Product Code: R501052607285
Pepper12 Light
Product Code: R200552607285
Pepper12 Light
(Remortgage only)
Product Code: R201002607285
Pepper12 Light
Product Code: R200562607285
Pepper12 Light
(Remortgage only)
Product Code: R201012607285
Pepper12 Light
Product Code: R200572607285
Pepper12 Light
(Remortgage only)
Product Code: R201022607285
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper12Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Pepper12
Product Code: R500642607270
Pepper12
(Remortgage only)
Product Code: R501062607270
Pepper12
Product Code: R500652607270
Pepper12
(Remortgage only)
Product Code: R501072607270
Pepper12
Product Code: R500662607270
Pepper12
(Remortgage only)
Product Code: R501082607270
Pepper12
Product Code: R200612607270
Pepper12
(Remortgage only)
Product Code: R201032607270
Pepper12
Product Code: R200622607270
Pepper12
(Remortgage only)
Product Code: R201042607270
Pepper12
Product Code: R200632607270
Pepper12
(Remortgage only)
Product Code: R201052607270
Pepper12
Product Code: R500642607275
Pepper12
(Remortgage only)
Product Code: R501062607275
Pepper12
Product Code: R500652607275
Pepper12
(Remortgage only)
Product Code: R501072607275
Pepper12
Product Code: R500662607275
Pepper12
(Remortgage only)
Product Code: R501082607275
Pepper12
Product Code: R200612607275
Pepper12
(Remortgage only)
Product Code: R201032607275
Pepper12
Product Code: R200622607275
Pepper12
(Remortgage only)
Product Code: R201042607275
Pepper12
Product Code: R200632607275
Pepper12
(Remortgage only)
Product Code: R201052607275
Pepper12
Product Code: R500642607280
Pepper12
(Remortgage only)
Product Code: R501062607280
Pepper12
Product Code: R500652607280
Pepper12
(Remortgage only)
Product Code: R501072607280
Pepper12
Product Code: R500662607280
Pepper12
(Remortgage only)
Product Code: R501082607280
Pepper12
Product Code: R200612607280
Pepper12
(Remortgage only)
Product Code: R201032607280
Pepper12
Product Code: R200622607280
Pepper12
(Remortgage only)
Product Code: R201042607280
Pepper12
Product Code: R200632607280
Pepper12
(Remortgage only)
Product Code: R201052607280
Pepper12
Product Code: R500642607285
Pepper12
(Remortgage only)
Product Code: R501062607285
Pepper12
Product Code: R500652607285
Pepper12
(Remortgage only)
Product Code: R501072607285
Pepper12
Product Code: R500662607285
Pepper12
(Remortgage only)
Product Code: R501082607285
Pepper12
Product Code: R200612607285
Pepper12
(Remortgage only)
Product Code: R201032607285
Pepper12
Product Code: R200622607285
Pepper12
(Remortgage only)
Product Code: R201042607285
Pepper12
Product Code: R200632607285
Pepper12
(Remortgage only)
Product Code: R201052607285
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper6 LightSuitable for customers: with no Default in the last 6 months never had a CCJ
Suitable for customers: with no Default in the last 6 months never had a CCJ
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702607270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092607270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712607270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102607270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722607270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112607270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672607270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062607270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682607270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072607270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692607270
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082607270
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702607275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092607275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712607275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102607275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722607275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112607275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672607275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062607275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682607275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072607275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692607275
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082607275
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702607280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092607280
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712607280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102607280
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722607280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112607280
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672607280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062607280
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682607280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072607280
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692607280
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082607280
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper6Suitable for customers: with no Default in the last 6 months no CCJ in the last 6 months
Suitable for customers: with no Default in the last 6 months no CCJ in the last 6 months
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762607270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122607270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772607270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132607270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782607270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142607270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732607270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092607270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742607270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102607270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752607270
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112607270
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762607275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122607275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772607275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132607275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782607275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142607275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732607275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092607275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742607275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102607275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752607275
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112607275
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762607280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122607280
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772607280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132607280
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782607280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142607280
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732607280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092607280
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742607280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102607280
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752607280
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112607280
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Try our Residential affordability calculator
Existing Customers (Remortgages only)
Pepper48 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 48 months never had a CCJ
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Existing Customer
Product Code: RR500012607275
Pepper48 Existing Customer
Product Code: RR200012607275
Pepper48 Existing Customer
Product Code: RR500012607280
Pepper48 Existing Customer
Product Code: RR200012607280
Pepper48 Existing Customer
Product Code: RR500012607285
Pepper48 Existing Customer
Product Code: RR200012607285
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper36 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36 Existing Customer
Product Code: RR500022607275
Pepper36 Existing Customer
Product Code: RR200022607275
Pepper36 Existing Customer
Product Code: RR500022607280
Pepper36 Existing Customer
Product Code: RR200022607280
Pepper36 Existing Customer
Product Code: RR500022607285
Pepper36 Existing Customer
Product Code: RR200022607285
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
Pepper24 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 Existing Customer
Product Code: RR500032607275
Pepper24 Existing Customer
Product Code: RR200032607275
Pepper24 Existing Customer
Product Code: RR500032607280
Pepper24 Existing Customer
Product Code: RR200032607280
Pepper24 Existing Customer
Product Code: RR500032607285
Pepper24 Existing Customer
Product Code: RR200032607285
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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 |
DMP (Debt Management Plan)
Pepper24 DMPSuitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 DMP
Product Code: RD500012607275
Pepper24 DMP
(Remortgage only)
Product Code: RD500072607275
Pepper24 DMP
Product Code: RD500022607275
Pepper24 DMP
(Remortgage only)
Product Code: RD500082607275
Pepper24 DMP
Product Code: RD300012607275
Pepper24 DMP
(Remortgage only)
Product Code: RD300042607275
Pepper24 DMP
Product Code: RD200012607275
Pepper24 DMP
(Remortgage only)
Product Code: RD200072607275
Pepper24 DMP
Product Code: RD200022607275
Pepper24 DMP
(Remortgage only)
Product Code: RD200082607275
Pepper24 DMP
Product Code: RD500012607280
Pepper24 DMP
(Remortgage only)
Product Code: RD500072607280
Pepper24 DMP
Product Code: RD500022607280
Pepper24 DMP
(Remortgage only)
Product Code: RD500082607280
Pepper24 DMP
Product Code: RD300012607280
Pepper24 DMP
(Remortgage only)
Product Code: RD300042607280
Pepper24 DMP
Product Code: RD200012607280
Pepper24 DMP
(Remortgage only)
Product Code: RD200072607280
Pepper24 DMP
Product Code: RD200022607280
Pepper24 DMP
(Remortgage only)
Product Code: RD200082607280
Pepper24 DMP
Product Code: RD500012607285
Pepper24 DMP
(Remortgage only)
Product Code: RD500072607285
Pepper24 DMP
Product Code: RD500022607285
Pepper24 DMP
(Remortgage only)
Product Code: RD500082607285
Pepper24 DMP
Product Code: RD300012607285
Pepper24 DMP
(Remortgage only)
Product Code: RD300042607285
Pepper24 DMP
Product Code: RD200012607285
Pepper24 DMP
(Remortgage only)
Product Code: RD200072607285
Pepper24 DMP
Product Code: RD200022607285
Pepper24 DMP
(Remortgage only)
Product Code: RD200082607285
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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: | For active DMPs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Pepper18 DMPSuitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Pepper18 DMP
Product Code: RD500032607270
Pepper18 DMP
(Remortgage only)
Product Code: RD500092607270
Pepper18 DMP
Product Code: RD500042607270
Pepper18 DMP
(Remortgage only)
Product Code: RD500102607270
Pepper18 DMP
Product Code: RD300022607270
Pepper18 DMP
(Remortgage only)
Product Code: RD300052607270
Pepper18 DMP
Product Code: RD200032607270
Pepper18 DMP
(Remortgage only)
Product Code: RD200092607270
Pepper18 DMP
Product Code: RD200042607270
Pepper18 DMP
(Remortgage only)
Product Code: RD200102607270
Pepper18 DMP
Product Code: RD500032607275
Pepper18 DMP
(Remortgage only)
Product Code: RD500092607275
Pepper18 DMP
Product Code: RD500042607275
Pepper18 DMP
(Remortgage only)
Product Code: RD500102607275
Pepper18 DMP
Product Code: RD300022607275
Pepper18 DMP
(Remortgage only)
Product Code: RD300052607275
Pepper18 DMP
Product Code: RD200032607275
Pepper18 DMP
(Remortgage only)
Product Code: RD200092607275
Pepper18 DMP
Product Code: RD200042607275
Pepper18 DMP
(Remortgage only)
Product Code: RD200102607275
Pepper18 DMP
Product Code: RD500032607280
Pepper18 DMP
(Remortgage only)
Product Code: RD500092607280
Pepper18 DMP
Product Code: RD500042607280
Pepper18 DMP
(Remortgage only)
Product Code: RD500102607280
Pepper18 DMP
Product Code: RD300022607280
Pepper18 DMP
(Remortgage only)
Product Code: RD300052607280
Pepper18 DMP
Product Code: RD200032607280
Pepper18 DMP
(Remortgage only)
Product Code: RD200092607280
Pepper18 DMP
Product Code: RD200042607280
Pepper18 DMP
(Remortgage only)
Product Code: RD200102607280
Pepper18 DMP
Product Code: RD500032607285
Pepper18 DMP
(Remortgage only)
Product Code: RD500092607285
Pepper18 DMP
Product Code: RD500042607285
Pepper18 DMP
(Remortgage only)
Product Code: RD500102607285
Pepper18 DMP
Product Code: RD300022607285
Pepper18 DMP
(Remortgage only)
Product Code: RD300052607285
Pepper18 DMP
Product Code: RD200032607285
Pepper18 DMP
(Remortgage only)
Product Code: RD200092607285
Pepper18 DMP
Product Code: RD200042607285
Pepper18 DMP
(Remortgage only)
Product Code: RD200102607285
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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: | For active DMPs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Pepper12 DMPSuitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Pepper12 DMP
Product Code: RD500052607270
Pepper12 DMP
(Remortgage only)
Product Code: RD500112607270
Pepper12 DMP
Product Code: RD500062607270
Pepper12 DMP
(Remortgage only)
Product Code: RD500122607270
Pepper12 DMP
Product Code: RD300032607270
Pepper12 DMP
(Remortgage only)
Product Code: RD300062607270
Pepper12 DMP
Product Code: RD200052607270
Pepper12 DMP
(Remortgage only)
Product Code: RD200112607270
Pepper12 DMP
Product Code: RD200062607270
Pepper12 DMP
(Remortgage only)
Product Code: RD200122607270
Pepper12 DMP
Product Code: RD500052607275
Pepper12 DMP
(Remortgage only)
Product Code: RD500112607275
Pepper12 DMP
Product Code: RD500062607275
Pepper12 DMP
(Remortgage only)
Product Code: RD500122607275
Pepper12 DMP
Product Code: RD300032607275
Pepper12 DMP
(Remortgage only)
Product Code: RD300062607275
Pepper12 DMP
Product Code: RD200052607275
Pepper12 DMP
(Remortgage only)
Product Code: RD200112607275
Pepper12 DMP
Product Code: RD200062607275
Pepper12 DMP
(Remortgage only)
Product Code: RD200122607275
Pepper12 DMP
Product Code: RD500052607280
Pepper12 DMP
(Remortgage only)
Product Code: RD500112607280
Pepper12 DMP
Product Code: RD500062607280
Pepper12 DMP
(Remortgage only)
Product Code: RD500122607280
Pepper12 DMP
Product Code: RD300032607280
Pepper12 DMP
(Remortgage only)
Product Code: RD300062607280
Pepper12 DMP
Product Code: RD200052607280
Pepper12 DMP
(Remortgage only)
Product Code: RD200112607280
Pepper12 DMP
Product Code: RD200062607280
Pepper12 DMP
(Remortgage only)
Product Code: RD200122607280
Pepper12 DMP
Product Code: RD500052607285
Pepper12 DMP
(Remortgage only)
Product Code: RD500112607285
Pepper12 DMP
Product Code: RD500062607285
Pepper12 DMP
(Remortgage only)
Product Code: RD500122607285
Pepper12 DMP
Product Code: RD300032607285
Pepper12 DMP
(Remortgage only)
Product Code: RD300062607285
Pepper12 DMP
Product Code: RD200052607285
Pepper12 DMP
(Remortgage only)
Product Code: RD200112607285
Pepper12 DMP
Product Code: RD200062607285
Pepper12 DMP
(Remortgage only)
Product Code: RD200122607285
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 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: | For active DMPs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Bankruptcy & IVA
Pepper24 Bankruptcy and IVASuitable for customers: that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 year ago
Suitable for customers: that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 year ago
Pepper24 Bankruptcy and IVA
Product Code: RB500012607275
Pepper24 Bankruptcy and IVA
Product Code: RB200012607275
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 3 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 Bankruptcy and IVASuitable for customers: that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 year ago
Suitable for customers: that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 year ago
Pepper12 Bankruptcy and IVA
Product Code: RB500022607275
Pepper12 Bankruptcy and IVA
Product Code: RB200022607275
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 3 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Residential Criteria
| Applicant Details | |
|---|---|
| Minimum Age | 21 years |
| Maximum Age | 80 years at end of term. The term cannot extend beyond applicants stated retirement age. Maximum allowable stated retirement age of 75 |
| Maximum Applicants | 2 |
| Employed | Minimum of 3 months in current job with 6 months' continuous employment and not in probation. Evidence of employment history is required to cover last 6 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 | |
|---|---|
| Loan Size | |
| Minimum | £25,001 |
| Maximum | Up to £1million available to 75% LTV Up to £750,000 available to 85% LTV |
| Repayment | |
| Repayment | Captial & Interest. Interest only to 60%, supported by an acceptable repayment strategy |
| Property Value | |
| Minimum | £70,000 |
| Term | |
| Minimum | 5 years and 1 month |
| Maximum | 40 years |
Affordability Calculator
How much could we lend your customers?
It’s easy to find out. Simply tell us their basic information to get a maximum loan amount.
For a more comprehensive result, include their commitments and expenditure.
Applicant One
Applicant Two
Applicant One
Applicant Two
Final results
We’re currently reviewing all applications to ensure the income is sustainable in current market conditions. Based on the information provided please find details below on what your customer(s) could borrow with us.
| Indicative maximum available subject to a DIP | |
|---|---|
| 2 Year Fixed: | £150,000.00 |
| 5 Year Fixed: | £200,000.00 |
| Basic Information | |||
|---|---|---|---|
| Number of Applicants: | Number of Children: | ||
| Required loan amount: | Repayment Type: | ||
| Term: | Years | Product: |
| Income Applicant One | |
|---|---|
| Primary Annual Income | |
| Secondary Annual Income | |
| Annual Overtime | |
| Annual Bonus or Commission | |
| Car Allowance | |
| Maintenance Income (calculated at 50%) | |
| Rental Income (calculated at 50%) | |
| Allowable Income | |
| Total | |
| Commitments Applicant One | |
|---|---|
| Mortgages or secured loans | |
| Unsecured loans or hire purchase | |
| Credit or store cards Balance | |
| Overdraft arrangements Balance | |
| School fees | |
| Maintenance | |
| Student loans | |
| Other | |
| Total monthly commitments | |
| Expenditure | |
|---|---|
| Housekeeping | |
| Utilities | |
| Telephone | |
| Council tax | |
| Buildings insurance | |
| Ground rent | |
| Leasehold service charges | |
| Essential travel | |
| Clothing | |
| Personal goods | |
| Household goods | |
| Basic recreation | |
| Total | |
Important notice
Based on the information entered, an underwriter will carry out a full review at Decision in Principle. Please complete the DIP to confirm the maximum loan amount available.
These results are indicative and are meant to be used as a guide only. Should you wish to submit a DIP, it'll be subject to our full lending criteria, a credit check and an underwriter review which could result in a different value.
Please note by changing the loan amount figure you may change the loan to value. This may change the interest rate charged. If you're going to change any details we strongly recommend you start a new calculation to ensure it is as accurate as possible.
Before submitting business to us, you’ll need to register with us. It’s a quick and simple process and shouldn’t take more than 5 minutes.
If you've already registered, please Login and complete our online application form.
If you have any questions, call our team on 03333 701 101 option 1, Monday to Friday between 9am and 5pm.
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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.
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