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 or Sheriff Court Decrees, 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 or Sheriff Court Decrees & defaults
No value limit on CCJs or Sheriff Court Decrees 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
- October 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 or Sheriff Court Decree
Suitable for customers: with no Default in the last 48 months never had a CCJ or Sheriff Court Decree
Pepper48 Light
Product Code: R500052610175
Pepper48 Light
(Remortgage only)
Product Code: R500792610175
Pepper48 Light
Product Code: R500062610175
Pepper48 Light
(Remortgage only)
Product Code: R500802610175
Pepper48 Light
Product Code: R500072610175
Pepper48 Light
(Remortgage only)
Product Code: R500812610175
Pepper48 Light
Product Code: R300042610175
Pepper48 Light
(Remortgage only)
Product Code: R300402610175
Pepper48 Light
Product Code: R200012610175
Pepper48 Light
(Remortgage only)
Product Code: R200762610175
Pepper48 Light
Product Code: R200022610175
Pepper48 Light
(Remortgage only)
Product Code: R200772610175
Pepper48 Light
Product Code: R200032610175
Pepper48 Light
(Remortgage only)
Product Code: R200782610175
Pepper48 Light
Product Code: R500052610180
Pepper48 Light
(Remortgage only)
Product Code: R500792610180
Pepper48 Light
Product Code: R500062610180
Pepper48 Light
(Remortgage only)
Product Code: R500802610180
Pepper48 Light
Product Code: R500072610180
Pepper48 Light
(Remortgage only)
Product Code: R500812610180
Pepper48 Light
Product Code: R300042610180
Pepper48 Light
(Remortgage only)
Product Code: R300402610180
Pepper48 Light
Product Code: R200012610180
Pepper48 Light
(Remortgage only)
Product Code: R200762610180
Pepper48 Light
Product Code: R200022610180
Pepper48 Light
(Remortgage only)
Product Code: R200772610180
Pepper48 Light
Product Code: R200032610180
Pepper48 Light
(Remortgage only)
Product Code: R200782610180
Pepper48 Light
Product Code: R500052610185
Pepper48 Light
(Remortgage only)
Product Code: R500792610185
Pepper48 Light
Product Code: R500062610185
Pepper48 Light
(Remortgage only)
Product Code: R500802610185
Pepper48 Light
Product Code: R500072610185
Pepper48 Light
(Remortgage only)
Product Code: R500812610185
Pepper48 Light
Product Code: R300042610185
Pepper48 Light
(Remortgage only)
Product Code: R300402610185
Pepper48 Light
Product Code: R200012610185
Pepper48 Light
(Remortgage only)
Product Code: R200762610185
Pepper48 Light
Product Code: R200022610185
Pepper48 Light
(Remortgage only)
Product Code: R200772610185
Pepper48 Light
Product Code: R200032610185
Pepper48 Light
(Remortgage only)
Product Code: R200782610185
Pepper48 Light
Product Code: R501632610190
Pepper48 Light
(Remortgage only)
Product Code: R501752610190
Pepper48 Light
Product Code: R501642610190
Pepper48 Light
(Remortgage only)
Product Code: R501762610190
Pepper48 Light
Product Code: R501652610190
Pepper48 Light
(Remortgage only)
Product Code: R501772610190
Pepper48 Light
Product Code: R201602610190
Pepper48 Light
(Remortgage only)
Product Code: R201722610190
Pepper48 Light
Product Code: R201612610190
Pepper48 Light
(Remortgage only)
Product Code: R201732610190
Pepper48 Light
Product Code: R201622610190
Pepper48 Light
(Remortgage only)
Product Code: R201742610190
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/Sheriff Court Decrees (SCD): | None |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Pepper48
Product Code: R500122610175
Pepper48
(Remortgage only)
Product Code: R500822610175
Pepper48
Product Code: R500132610175
Pepper48
(Remortgage only)
Product Code: R500832610175
Pepper48
Product Code: R500142610175
Pepper48
(Remortgage only)
Product Code: R500842610175
Pepper48
Product Code: R300112610175
Pepper48
(Remortgage only)
Product Code: R300412610175
Pepper48
Product Code: R200082610175
Pepper48
(Remortgage only)
Product Code: R200792610175
Pepper48
Product Code: R200092610175
Pepper48
(Remortgage only)
Product Code: R200802610175
Pepper48
Product Code: R200102610175
Pepper48
(Remortgage only)
Product Code: R200812610175
Pepper48
Product Code: R500122610180
Pepper48
(Remortgage only)
Product Code: R500822610180
Pepper48
Product Code: R500132610180
Pepper48
(Remortgage only)
Product Code: R500832610180
Pepper48
Product Code: R500142610180
Pepper48
(Remortgage only)
Product Code: R500842610180
Pepper48
Product Code: R300112610180
Pepper48
(Remortgage only)
Product Code: R300412610180
Pepper48
Product Code: R200082610180
Pepper48
(Remortgage only)
Product Code: R200792610180
Pepper48
Product Code: R200092610180
Pepper48
(Remortgage only)
Product Code: R200802610180
Pepper48
Product Code: R200102610180
Pepper48
(Remortgage only)
Product Code: R200812610180
Pepper48
Product Code: R500122610185
Pepper48
(Remortgage only)
Product Code: R500822610185
Pepper48
Product Code: R500132610185
Pepper48
(Remortgage only)
Product Code: R500832610185
Pepper48
Product Code: R500142610185
Pepper48
(Remortgage only)
Product Code: R500842610185
Pepper48
Product Code: R300112610185
Pepper48
(Remortgage only)
Product Code: R300412610185
Pepper48
Product Code: R200082610185
Pepper48
(Remortgage only)
Product Code: R200792610185
Pepper48
Product Code: R200092610185
Pepper48
(Remortgage only)
Product Code: R200802610185
Pepper48
Product Code: R200102610185
Pepper48
(Remortgage only)
Product Code: R200812610185
Pepper48
Product Code: R501662610190
Pepper48
(Remortgage only)
Product Code: R501782610190
Pepper48
Product Code: R501672610190
Pepper48
(Remortgage only)
Product Code: R501792610190
Pepper48
Product Code: R501682610190
Pepper48
(Remortgage only)
Product Code: R501802610190
Pepper48
Product Code: R201632610190
Pepper48
(Remortgage only)
Product Code: R201752610190
Pepper48
Product Code: R201642610190
Pepper48
(Remortgage only)
Product Code: R201762610190
Pepper48
Product Code: R201652610190
Pepper48
(Remortgage only)
Product Code: R201772610190
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/Sheriff Court Decrees (SCD): | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Pepper36 Light
Product Code: R500192610175
Pepper36 Light
(Remortgage only)
Product Code: R500852610175
Pepper36 Light
Product Code: R500202610175
Pepper36 Light
(Remortgage only)
Product Code: R500862610175
Pepper36 Light
Product Code: R500212610175
Pepper36 Light
(Remortgage only)
Product Code: R500872610175
Pepper36 Light
Product Code: R300182610175
Pepper36 Light
(Remortgage only)
Product Code: R300422610175
Pepper36 Light
Product Code: R200152610175
Pepper36 Light
(Remortgage only)
Product Code: R200822610175
Pepper36 Light
Product Code: R200162610175
Pepper36 Light
(Remortgage only)
Product Code: R200832610175
Pepper36 Light
Product Code: R200172610175
Pepper36 Light
(Remortgage only)
Product Code: R200842610175
Pepper36 Light
Product Code: R500192610180
Pepper36 Light
(Remortgage only)
Product Code: R500852610180
Pepper36 Light
Product Code: R500202610180
Pepper36 Light
(Remortgage only)
Product Code: R500862610180
Pepper36 Light
Product Code: R500212610180
Pepper36 Light
(Remortgage only)
Product Code: R500872610180
Pepper36 Light
Product Code: R300182610180
Pepper36 Light
(Remortgage only)
Product Code: R300422610180
Pepper36 Light
Product Code: R200152610180
Pepper36 Light
(Remortgage only)
Product Code: R200822610180
Pepper36 Light
Product Code: R200162610180
Pepper36 Light
(Remortgage only)
Product Code: R200832610180
Pepper36 Light
Product Code: R200172610180
Pepper36 Light
(Remortgage only)
Product Code: R200842610180
Pepper36 Light
Product Code: R500192610185
Pepper36 Light
(Remortgage only)
Product Code: R500852610185
Pepper36 Light
Product Code: R500202610185
Pepper36 Light
(Remortgage only)
Product Code: R500862610185
Pepper36 Light
Product Code: R500212610185
Pepper36 Light
(Remortgage only)
Product Code: R500872610185
Pepper36 Light
Product Code: R300182610185
Pepper36 Light
(Remortgage only)
Product Code: R300422610185
Pepper36 Light
Product Code: R200152610185
Pepper36 Light
(Remortgage only)
Product Code: R200822610185
Pepper36 Light
Product Code: R200162610185
Pepper36 Light
(Remortgage only)
Product Code: R200832610185
Pepper36 Light
Product Code: R200172610185
Pepper36 Light
(Remortgage only)
Product Code: R200842610185
Pepper36 Light
Product Code: R501692610190
Pepper36 Light
(Remortgage only)
Product Code: R501812610190
Pepper36 Light
Product Code: R501702610190
Pepper36 Light
(Remortgage only)
Product Code: R501822610190
Pepper36 Light
Product Code: R501712610190
Pepper36 Light
(Remortgage only)
Product Code: R501832610190
Pepper36 Light
Product Code: R201662610190
Pepper36 Light
(Remortgage only)
Product Code: R201782610190
Pepper36 Light
Product Code: R201672610190
Pepper36 Light
(Remortgage only)
Product Code: R201792610190
Pepper36 Light
Product Code: R201682610190
Pepper36 Light
(Remortgage only)
Product Code: R201802610190
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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Pepper36
Product Code: R500262610175
Pepper36
(Remortgage only)
Product Code: R500882610175
Pepper36
Product Code: R500272610175
Pepper36
(Remortgage only)
Product Code: R500892610175
Pepper36
Product Code: R500282610175
Pepper36
(Remortgage only)
Product Code: R500902610175
Pepper36
Product Code: R300252610175
Pepper36
(Remortgage only)
Product Code: R300432610175
Pepper36
Product Code: R200222610175
Pepper36
(Remortgage only)
Product Code: R200852610175
Pepper36
Product Code: R200232610175
Pepper36
(Remortgage only)
Product Code: R200862610175
Pepper36
Product Code: R200242610175
Pepper36
(Remortgage only)
Product Code: R200872610175
Pepper36
Product Code: R500262610180
Pepper36
(Remortgage only)
Product Code: R500882610180
Pepper36
Product Code: R500272610180
Pepper36
(Remortgage only)
Product Code: R500892610180
Pepper36
Product Code: R500282610180
Pepper36
(Remortgage only)
Product Code: R500902610180
Pepper36
Product Code: R300252610180
Pepper36
(Remortgage only)
Product Code: R300432610180
Pepper36
Product Code: R200222610180
Pepper36
(Remortgage only)
Product Code: R200852610180
Pepper36
Product Code: R200232610180
Pepper36
(Remortgage only)
Product Code: R200862610180
Pepper36
Product Code: R200242610180
Pepper36
(Remortgage only)
Product Code: R200872610180
Pepper36
Product Code: R500262610185
Pepper36
(Remortgage only)
Product Code: R500882610185
Pepper36
Product Code: R500272610185
Pepper36
(Remortgage only)
Product Code: R500892610185
Pepper36
Product Code: R500282610185
Pepper36
(Remortgage only)
Product Code: R500902610185
Pepper36
Product Code: R300252610185
Pepper36
(Remortgage only)
Product Code: R300432610185
Pepper36
Product Code: R200222610185
Pepper36
(Remortgage only)
Product Code: R200852610185
Pepper36
Product Code: R200232610185
Pepper36
(Remortgage only)
Product Code: R200862610185
Pepper36
Product Code: R200242610185
Pepper36
(Remortgage only)
Product Code: R200872610185
Pepper36
Product Code: R501722610190
Pepper36
(Remortgage only)
Product Code: R501842610190
Pepper36
Product Code: R501732610190
Pepper36
(Remortgage only)
Product Code: R501852610190
Pepper36
Product Code: R501742610190
Pepper36
(Remortgage only)
Product Code: R501862610190
Pepper36
Product Code: R201692610190
Pepper36
(Remortgage only)
Product Code: R201812610190
Pepper36
Product Code: R201702610190
Pepper36
(Remortgage only)
Product Code: R201822610190
Pepper36
Product Code: R201712610190
Pepper36
(Remortgage only)
Product Code: R201832610190
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/Sheriff Court Decrees (SCD): | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Pepper24 Light
Product Code: R500332610175
Pepper24 Light
(Remortgage only)
Product Code: R500912610175
Pepper24 Light
Product Code: R500342610175
Pepper24 Light
(Remortgage only)
Product Code: R500922610175
Pepper24 Light
Product Code: R500352610175
Pepper24 Light
(Remortgage only)
Product Code: R500932610175
Pepper24 Light
Product Code: R300322610175
Pepper24 Light
(Remortgage only)
Product Code: R300442610175
Pepper24 Light
Product Code: R200292610175
Pepper24 Light
(Remortgage only)
Product Code: R200882610175
Pepper24 Light
Product Code: R200302610175
Pepper24 Light
(Remortgage only)
Product Code: R200892610175
Pepper24 Light
Product Code: R200312610175
Pepper24 Light
(Remortgage only)
Product Code: R200902610175
Pepper24 Light
Product Code: R500332610180
Pepper24 Light
(Remortgage only)
Product Code: R500912610180
Pepper24 Light
Product Code: R500342610180
Pepper24 Light
(Remortgage only)
Product Code: R500922610180
Pepper24 Light
Product Code: R500352610180
Pepper24 Light
(Remortgage only)
Product Code: R500932610180
Pepper24 Light
Product Code: R300322610180
Pepper24 Light
(Remortgage only)
Product Code: R300442610180
Pepper24 Light
Product Code: R200292610180
Pepper24 Light
(Remortgage only)
Product Code: R200882610180
Pepper24 Light
Product Code: R200302610180
Pepper24 Light
(Remortgage only)
Product Code: R200892610180
Pepper24 Light
Product Code: R200312610180
Pepper24 Light
(Remortgage only)
Product Code: R200902610180
Pepper24 Light
Product Code: R500332610185
Pepper24 Light
(Remortgage only)
Product Code: R500912610185
Pepper24 Light
Product Code: R500342610185
Pepper24 Light
(Remortgage only)
Product Code: R500922610185
Pepper24 Light
Product Code: R500352610185
Pepper24 Light
(Remortgage only)
Product Code: R500932610185
Pepper24 Light
Product Code: R300322610185
Pepper24 Light
(Remortgage only)
Product Code: R300442610185
Pepper24 Light
Product Code: R200292610185
Pepper24 Light
(Remortgage only)
Product Code: R200882610185
Pepper24 Light
Product Code: R200302610185
Pepper24 Light
(Remortgage only)
Product Code: R200892610185
Pepper24 Light
Product Code: R200312610185
Pepper24 Light
(Remortgage only)
Product Code: R200902610185
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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Pepper24
Product Code: R500402610175
Pepper24
(Remortgage only)
Product Code: R500942610175
Pepper24
Product Code: R500412610175
Pepper24
(Remortgage only)
Product Code: R500952610175
Pepper24
Product Code: R500422610175
Pepper24
(Remortgage only)
Product Code: R500962610175
Pepper24
Product Code: R300392610175
Pepper24
(Remortgage only)
Product Code: R300452610175
Pepper24
Product Code: R200362610175
Pepper24
(Remortgage only)
Product Code: R200912610175
Pepper24
Product Code: R200372610175
Pepper24
(Remortgage only)
Product Code: R200922610175
Pepper24
Product Code: R200382610175
Pepper24
(Remortgage only)
Product Code: R200932610175
Pepper24
Product Code: R500402610180
Pepper24
(Remortgage only)
Product Code: R500942610180
Pepper24
Product Code: R500412610180
Pepper24
(Remortgage only)
Product Code: R500952610180
Pepper24
Product Code: R500422610180
Pepper24
(Remortgage only)
Product Code: R500962610180
Pepper24
Product Code: R300392610180
Pepper24
(Remortgage only)
Product Code: R300452610180
Pepper24
Product Code: R200362610180
Pepper24
(Remortgage only)
Product Code: R200912610180
Pepper24
Product Code: R200372610180
Pepper24
(Remortgage only)
Product Code: R200922610180
Pepper24
Product Code: R200382610180
Pepper24
(Remortgage only)
Product Code: R200932610180
Pepper24
Product Code: R500402610185
Pepper24
(Remortgage only)
Product Code: R500942610185
Pepper24
Product Code: R500412610185
Pepper24
(Remortgage only)
Product Code: R500952610185
Pepper24
Product Code: R500422610185
Pepper24
(Remortgage only)
Product Code: R500962610185
Pepper24
Product Code: R300392610185
Pepper24
(Remortgage only)
Product Code: R300452610185
Pepper24
Product Code: R200362610185
Pepper24
(Remortgage only)
Product Code: R200912610185
Pepper24
Product Code: R200372610185
Pepper24
(Remortgage only)
Product Code: R200922610185
Pepper24
Product Code: R200382610185
Pepper24
(Remortgage only)
Product Code: R200932610185
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/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Pepper18 Light
Product Code: R500462610170
Pepper18 Light
(Remortgage only)
Product Code: R500972610170
Pepper18 Light
Product Code: R500472610170
Pepper18 Light
(Remortgage only)
Product Code: R500982610170
Pepper18 Light
Product Code: R500482610170
Pepper18 Light
(Remortgage only)
Product Code: R500992610170
Pepper18 Light
Product Code: R200432610170
Pepper18 Light
(Remortgage only)
Product Code: R200942610170
Pepper18 Light
Product Code: R200442610170
Pepper18 Light
(Remortgage only)
Product Code: R200952610170
Pepper18 Light
Product Code: R200452610170
Pepper18 Light
(Remortgage only)
Product Code: R200962610170
Pepper18 Light
Product Code: R500462610175
Pepper18 Light
(Remortgage only)
Product Code: R500972610175
Pepper18 Light
Product Code: R500472610175
Pepper18 Light
(Remortgage only)
Product Code: R500982610175
Pepper18 Light
Product Code: R500482610175
Pepper18 Light
(Remortgage only)
Product Code: R500992610175
Pepper18 Light
Product Code: R200432610175
Pepper18 Light
(Remortgage only)
Product Code: R200942610175
Pepper18 Light
Product Code: R200442610175
Pepper18 Light
(Remortgage only)
Product Code: R200952610175
Pepper18 Light
Product Code: R200452610175
Pepper18 Light
(Remortgage only)
Product Code: R200962610175
Pepper18 Light
Product Code: R500462610180
Pepper18 Light
(Remortgage only)
Product Code: R500972610180
Pepper18 Light
Product Code: R500472610180
Pepper18 Light
(Remortgage only)
Product Code: R500982610180
Pepper18 Light
Product Code: R500482610180
Pepper18 Light
(Remortgage only)
Product Code: R500992610180
Pepper18 Light
Product Code: R200432610180
Pepper18 Light
(Remortgage only)
Product Code: R200942610180
Pepper18 Light
Product Code: R200442610180
Pepper18 Light
(Remortgage only)
Product Code: R200952610180
Pepper18 Light
Product Code: R200452610180
Pepper18 Light
(Remortgage only)
Product Code: R200962610180
Pepper18 Light
Product Code: R500462610185
Pepper18 Light
(Remortgage only)
Product Code: R500972610185
Pepper18 Light
Product Code: R500472610185
Pepper18 Light
(Remortgage only)
Product Code: R500982610185
Pepper18 Light
Product Code: R500482610185
Pepper18 Light
(Remortgage only)
Product Code: R500992610185
Pepper18 Light
Product Code: R200432610185
Pepper18 Light
(Remortgage only)
Product Code: R200942610185
Pepper18 Light
Product Code: R200442610185
Pepper18 Light
(Remortgage only)
Product Code: R200952610185
Pepper18 Light
Product Code: R200452610185
Pepper18 Light
(Remortgage only)
Product Code: R200962610185
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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Pepper18
Product Code: R500522610170
Pepper18
(Remortgage only)
Product Code: R501002610170
Pepper18
Product Code: R500532610170
Pepper18
(Remortgage only)
Product Code: R501012610170
Pepper18
Product Code: R500542610170
Pepper18
(Remortgage only)
Product Code: R501022610170
Pepper18
Product Code: R200492610170
Pepper18
(Remortgage only)
Product Code: R200972610170
Pepper18
Product Code: R200502610170
Pepper18
(Remortgage only)
Product Code: R200982610170
Pepper18
Product Code: R200512610170
Pepper18
(Remortgage only)
Product Code: R200992610170
Pepper18
Product Code: R500522610175
Pepper18
(Remortgage only)
Product Code: R501002610175
Pepper18
Product Code: R500532610175
Pepper18
(Remortgage only)
Product Code: R501012610175
Pepper18
Product Code: R500542610175
Pepper18
(Remortgage only)
Product Code: R501022610175
Pepper18
Product Code: R200492610175
Pepper18
(Remortgage only)
Product Code: R200972610175
Pepper18
Product Code: R200502610175
Pepper18
(Remortgage only)
Product Code: R200982610175
Pepper18
Product Code: R200512610175
Pepper18
(Remortgage only)
Product Code: R200992610175
Pepper18
Product Code: R500522610180
Pepper18
(Remortgage only)
Product Code: R501002610180
Pepper18
Product Code: R500532610180
Pepper18
(Remortgage only)
Product Code: R501012610180
Pepper18
Product Code: R500542610180
Pepper18
(Remortgage only)
Product Code: R501022610180
Pepper18
Product Code: R200492610180
Pepper18
(Remortgage only)
Product Code: R200972610180
Pepper18
Product Code: R200502610180
Pepper18
(Remortgage only)
Product Code: R200982610180
Pepper18
Product Code: R200512610180
Pepper18
(Remortgage only)
Product Code: R200992610180
Pepper18
Product Code: R500522610185
Pepper18
(Remortgage only)
Product Code: R501002610185
Pepper18
Product Code: R500532610185
Pepper18
(Remortgage only)
Product Code: R501012610185
Pepper18
Product Code: R500542610185
Pepper18
(Remortgage only)
Product Code: R501022610185
Pepper18
Product Code: R200492610185
Pepper18
(Remortgage only)
Product Code: R200972610185
Pepper18
Product Code: R200502610185
Pepper18
(Remortgage only)
Product Code: R200982610185
Pepper18
Product Code: R200512610185
Pepper18
(Remortgage only)
Product Code: R200992610185
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/Sheriff Court Decrees (SCD): | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Pepper12 Light
Product Code: R500582610170
Pepper12 Light
(Remortgage only)
Product Code: R501032610170
Pepper12 Light
Product Code: R500592610170
Pepper12 Light
(Remortgage only)
Product Code: R501042610170
Pepper12 Light
Product Code: R500602610170
Pepper12 Light
(Remortgage only)
Product Code: R501052610170
Pepper12 Light
Product Code: R200552610170
Pepper12 Light
(Remortgage only)
Product Code: R201002610170
Pepper12 Light
Product Code: R200562610170
Pepper12 Light
(Remortgage only)
Product Code: R201012610170
Pepper12 Light
Product Code: R200572610170
Pepper12 Light
(Remortgage only)
Product Code: R201022610170
Pepper12 Light
Product Code: R500582610175
Pepper12 Light
(Remortgage only)
Product Code: R501032610175
Pepper12 Light
Product Code: R500592610175
Pepper12 Light
(Remortgage only)
Product Code: R501042610175
Pepper12 Light
Product Code: R500602610175
Pepper12 Light
(Remortgage only)
Product Code: R501052610175
Pepper12 Light
Product Code: R200552610175
Pepper12 Light
(Remortgage only)
Product Code: R201002610175
Pepper12 Light
Product Code: R200562610175
Pepper12 Light
(Remortgage only)
Product Code: R201012610175
Pepper12 Light
Product Code: R200572610175
Pepper12 Light
(Remortgage only)
Product Code: R201022610175
Pepper12 Light
Product Code: R500582610180
Pepper12 Light
(Remortgage only)
Product Code: R501032610180
Pepper12 Light
Product Code: R500592610180
Pepper12 Light
(Remortgage only)
Product Code: R501042610180
Pepper12 Light
Product Code: R500602610180
Pepper12 Light
(Remortgage only)
Product Code: R501052610180
Pepper12 Light
Product Code: R200552610180
Pepper12 Light
(Remortgage only)
Product Code: R201002610180
Pepper12 Light
Product Code: R200562610180
Pepper12 Light
(Remortgage only)
Product Code: R201012610180
Pepper12 Light
Product Code: R200572610180
Pepper12 Light
(Remortgage only)
Product Code: R201022610180
Pepper12 Light
Product Code: R500582610185
Pepper12 Light
(Remortgage only)
Product Code: R501032610185
Pepper12 Light
Product Code: R500592610185
Pepper12 Light
(Remortgage only)
Product Code: R501042610185
Pepper12 Light
Product Code: R500602610185
Pepper12 Light
(Remortgage only)
Product Code: R501052610185
Pepper12 Light
Product Code: R200552610185
Pepper12 Light
(Remortgage only)
Product Code: R201002610185
Pepper12 Light
Product Code: R200562610185
Pepper12 Light
(Remortgage only)
Product Code: R201012610185
Pepper12 Light
Product Code: R200572610185
Pepper12 Light
(Remortgage only)
Product Code: R201022610185
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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Pepper12
Product Code: R500642610170
Pepper12
(Remortgage only)
Product Code: R501062610170
Pepper12
Product Code: R500652610170
Pepper12
(Remortgage only)
Product Code: R501072610170
Pepper12
Product Code: R500662610170
Pepper12
(Remortgage only)
Product Code: R501082610170
Pepper12
Product Code: R200612610170
Pepper12
(Remortgage only)
Product Code: R201032610170
Pepper12
Product Code: R200622610170
Pepper12
(Remortgage only)
Product Code: R201042610170
Pepper12
Product Code: R200632610170
Pepper12
(Remortgage only)
Product Code: R201052610170
Pepper12
Product Code: R500642610175
Pepper12
(Remortgage only)
Product Code: R501062610175
Pepper12
Product Code: R500652610175
Pepper12
(Remortgage only)
Product Code: R501072610175
Pepper12
Product Code: R500662610175
Pepper12
(Remortgage only)
Product Code: R501082610175
Pepper12
Product Code: R200612610175
Pepper12
(Remortgage only)
Product Code: R201032610175
Pepper12
Product Code: R200622610175
Pepper12
(Remortgage only)
Product Code: R201042610175
Pepper12
Product Code: R200632610175
Pepper12
(Remortgage only)
Product Code: R201052610175
Pepper12
Product Code: R500642610180
Pepper12
(Remortgage only)
Product Code: R501062610180
Pepper12
Product Code: R500652610180
Pepper12
(Remortgage only)
Product Code: R501072610180
Pepper12
Product Code: R500662610180
Pepper12
(Remortgage only)
Product Code: R501082610180
Pepper12
Product Code: R200612610180
Pepper12
(Remortgage only)
Product Code: R201032610180
Pepper12
Product Code: R200622610180
Pepper12
(Remortgage only)
Product Code: R201042610180
Pepper12
Product Code: R200632610180
Pepper12
(Remortgage only)
Product Code: R201052610180
Pepper12
Product Code: R500642610185
Pepper12
(Remortgage only)
Product Code: R501062610185
Pepper12
Product Code: R500652610185
Pepper12
(Remortgage only)
Product Code: R501072610185
Pepper12
Product Code: R500662610185
Pepper12
(Remortgage only)
Product Code: R501082610185
Pepper12
Product Code: R200612610185
Pepper12
(Remortgage only)
Product Code: R201032610185
Pepper12
Product Code: R200622610185
Pepper12
(Remortgage only)
Product Code: R201042610185
Pepper12
Product Code: R200632610185
Pepper12
(Remortgage only)
Product Code: R201052610185
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/Sheriff Court Decrees (SCD): | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper6 LightSuitable for customers: with no Default in the last 6 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 6 months never had a CCJ or Sheriff Court Decree
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702610170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092610170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712610170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102610170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722610170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112610170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672610170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062610170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682610170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072610170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692610170
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082610170
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702610175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092610175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712610175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102610175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722610175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112610175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672610175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062610175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682610175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072610175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692610175
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082610175
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500702610180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501092610180
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500712610180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501102610180
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R500722610180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501112610180
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200672610180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201062610180
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200682610180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201072610180
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R200692610180
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201082610180
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/Sheriff Court Decrees (SCD): | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper6Suitable for customers: with no Default in the last 6 months no CCJ or Sheriff Court Decree in the last 6 months
Suitable for customers: with no Default in the last 6 months no CCJ or Sheriff Court Decree in the last 6 months
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762610170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122610170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772610170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132610170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782610170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142610170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732610170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092610170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742610170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102610170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752610170
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112610170
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762610175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122610175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772610175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132610175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782610175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142610175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732610175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092610175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742610175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102610175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752610175
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112610175
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500762610180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501122610180
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500772610180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501132610180
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R500782610180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R501142610180
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200732610180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201092610180
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200742610180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201102610180
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R200752610180
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R201112610180
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/Sheriff Court Decrees (SCD): | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Residential - LIMITED EDITION RANGE
Pepper48 LightSuitable for customers: with no Default in the last 48 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 48 months never had a CCJ or Sheriff Court Decree
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202002610175
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202012610175
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202002610180
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202012610180
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202002610185
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202012610185
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202032610190
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R202042610190
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | None |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202062610175
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202072610175
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202062610180
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202072610180
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202062610185
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202072610185
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202092610190
Pepper48
Limited Edition
(Remortgage only)
Product Code: R202102610190
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202122610175
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202132610175
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202122610180
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202132610180
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202122610185
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202132610185
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202152610190
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R202162610190
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202182610175
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202192610175
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202182610180
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202192610180
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202182610185
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202192610185
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202212610190
Pepper36
Limited Edition
(Remortgage only)
Product Code: R202222610190
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202242610175
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202252610175
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202242610180
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202252610180
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202242610185
Pepper24 Light
Limited Edition
(Remortgage only)
Product Code: R202252610185
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202272610175
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202282610175
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202272610180
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202282610180
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202272610185
Pepper24
Limited Edition
(Remortgage only)
Product Code: R202282610185
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202302610170
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202312610170
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202302610175
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202312610175
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202302610180
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202312610180
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202302610185
Pepper18 Light
Limited Edition
(Remortgage only)
Product Code: R202312610185
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202332610170
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202342610170
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202332610175
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202342610175
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202332610180
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202342610180
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202332610185
Pepper18
Limited Edition
(Remortgage only)
Product Code: R202342610185
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202362610170
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202372610170
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202362610175
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202372610175
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202362610180
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202372610180
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202362610185
Pepper12 Light
Limited Edition
(Remortgage only)
Product Code: R202372610185
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202392610170
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202402610170
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202392610175
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202402610175
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202392610180
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202402610180
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202392610185
Pepper12
Limited Edition
(Remortgage only)
Product Code: R202402610185
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper6 LightSuitable for customers: with no Default in the last 6 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 6 months never had a CCJ or Sheriff Court Decree
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202422610170
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202432610170
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202422610175
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202432610175
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202422610180
Pepper6 Light
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202432610180
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper6Suitable for customers: with no Default in the last 6 months no CCJ or Sheriff Court Decree in the last 6 months
Suitable for customers: with no Default in the last 6 months no CCJ or Sheriff Court Decree in the last 6 months
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202452610170
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202462610170
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202452610175
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202462610175
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202452610180
Pepper6
Limited Edition
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R202462610180
Application fee = £0 *For Free Valuation products: One fee 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/Sheriff Court Decrees (SCD): | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | 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 or Sheriff Court Decree
Suitable for customers: with no Default in the last 48 months never had a CCJ or Sheriff Court Decree
Pepper48 Existing Customer
Product Code: RR500012610175
Pepper48 Existing Customer
Product Code: RR200012610175
Pepper48 Existing Customer
Product Code: RR500012610180
Pepper48 Existing Customer
Product Code: RR200012610180
Pepper48 Existing Customer
Product Code: RR500012610185
Pepper48 Existing Customer
Product Code: RR200012610185
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/Sheriff Court Decrees (SCD): | 0 registered in 48 months |
| Default: | 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | 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 or Sheriff Court Decree in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Pepper36 Existing Customer
Product Code: RR500022610175
Pepper36 Existing Customer
Product Code: RR200022610175
Pepper36 Existing Customer
Product Code: RR500022610180
Pepper36 Existing Customer
Product Code: RR200022610180
Pepper36 Existing Customer
Product Code: RR500022610185
Pepper36 Existing Customer
Product Code: RR200022610185
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/Sheriff Court Decrees (SCD): | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | 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 or Sheriff Court Decree in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Pepper24 Existing Customer
Product Code: RR500032610175
Pepper24 Existing Customer
Product Code: RR200032610175
Pepper24 Existing Customer
Product Code: RR500032610180
Pepper24 Existing Customer
Product Code: RR200032610180
Pepper24 Existing Customer
Product Code: RR500032610185
Pepper24 Existing Customer
Product Code: RR200032610185
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/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
DMP (Debt Management Plan) & DAS (Debt Arrangement Scheme)
Pepper24 DMP and DASSuitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Pepper24 DMP
Product Code: RD500012610175
Pepper24 DMP
(Remortgage only)
Product Code: RD500072610175
Pepper24 DMP
Product Code: RD500022610175
Pepper24 DMP
(Remortgage only)
Product Code: RD500082610175
Pepper24 DMP
Product Code: RD300012610175
Pepper24 DMP
(Remortgage only)
Product Code: RD300042610175
Pepper24 DMP
Product Code: RD200012610175
Pepper24 DMP
(Remortgage only)
Product Code: RD200072610175
Pepper24 DMP
Product Code: RD200022610175
Pepper24 DMP
(Remortgage only)
Product Code: RD200082610175
Pepper24 DMP
Product Code: RD500012610180
Pepper24 DMP
(Remortgage only)
Product Code: RD500072610180
Pepper24 DMP
Product Code: RD500022610180
Pepper24 DMP
(Remortgage only)
Product Code: RD500082610180
Pepper24 DMP
Product Code: RD300012610180
Pepper24 DMP
(Remortgage only)
Product Code: RD300042610180
Pepper24 DMP
Product Code: RD200012610180
Pepper24 DMP
(Remortgage only)
Product Code: RD200072610180
Pepper24 DMP
Product Code: RD200022610180
Pepper24 DMP
(Remortgage only)
Product Code: RD200082610180
Pepper24 DMP
Product Code: RD500012610185
Pepper24 DMP
(Remortgage only)
Product Code: RD500072610185
Pepper24 DMP
Product Code: RD500022610185
Pepper24 DMP
(Remortgage only)
Product Code: RD500082610185
Pepper24 DMP
Product Code: RD300012610185
Pepper24 DMP
(Remortgage only)
Product Code: RD300042610185
Pepper24 DMP
Product Code: RD200012610185
Pepper24 DMP
(Remortgage only)
Product Code: RD200072610185
Pepper24 DMP
Product Code: RD200022610185
Pepper24 DMP
(Remortgage only)
Product Code: RD200082610185
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/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | For active DMPs/DASs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Pepper18 DMP and DASSuitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Pepper18 DMP
Product Code: RD500032610170
Pepper18 DMP
(Remortgage only)
Product Code: RD500092610170
Pepper18 DMP
Product Code: RD500042610170
Pepper18 DMP
(Remortgage only)
Product Code: RD500102610170
Pepper18 DMP
Product Code: RD300022610170
Pepper18 DMP
(Remortgage only)
Product Code: RD300052610170
Pepper18 DMP
Product Code: RD200032610170
Pepper18 DMP
(Remortgage only)
Product Code: RD200092610170
Pepper18 DMP
Product Code: RD200042610170
Pepper18 DMP
(Remortgage only)
Product Code: RD200102610170
Pepper18 DMP
Product Code: RD500032610175
Pepper18 DMP
(Remortgage only)
Product Code: RD500092610175
Pepper18 DMP
Product Code: RD500042610175
Pepper18 DMP
(Remortgage only)
Product Code: RD500102610175
Pepper18 DMP
Product Code: RD300022610175
Pepper18 DMP
(Remortgage only)
Product Code: RD300052610175
Pepper18 DMP
Product Code: RD200032610175
Pepper18 DMP
(Remortgage only)
Product Code: RD200092610175
Pepper18 DMP
Product Code: RD200042610175
Pepper18 DMP
(Remortgage only)
Product Code: RD200102610175
Pepper18 DMP
Product Code: RD500032610180
Pepper18 DMP
(Remortgage only)
Product Code: RD500092610180
Pepper18 DMP
Product Code: RD500042610180
Pepper18 DMP
(Remortgage only)
Product Code: RD500102610180
Pepper18 DMP
Product Code: RD300022610180
Pepper18 DMP
(Remortgage only)
Product Code: RD300052610180
Pepper18 DMP
Product Code: RD200032610180
Pepper18 DMP
(Remortgage only)
Product Code: RD200092610180
Pepper18 DMP
Product Code: RD200042610180
Pepper18 DMP
(Remortgage only)
Product Code: RD200102610180
Pepper18 DMP
Product Code: RD500032610185
Pepper18 DMP
(Remortgage only)
Product Code: RD500092610185
Pepper18 DMP
Product Code: RD500042610185
Pepper18 DMP
(Remortgage only)
Product Code: RD500102610185
Pepper18 DMP
Product Code: RD300022610185
Pepper18 DMP
(Remortgage only)
Product Code: RD300052610185
Pepper18 DMP
Product Code: RD200032610185
Pepper18 DMP
(Remortgage only)
Product Code: RD200092610185
Pepper18 DMP
Product Code: RD200042610185
Pepper18 DMP
(Remortgage only)
Product Code: RD200102610185
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/Sheriff Court Decrees (SCD): | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | For active DMPs/DASs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Pepper12 DMP and DASSuitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Pepper12 DMP
Product Code: RD500052610170
Pepper12 DMP
(Remortgage only)
Product Code: RD500112610170
Pepper12 DMP
Product Code: RD500062610170
Pepper12 DMP
(Remortgage only)
Product Code: RD500122610170
Pepper12 DMP
Product Code: RD300032610170
Pepper12 DMP
(Remortgage only)
Product Code: RD300062610170
Pepper12 DMP
Product Code: RD200052610170
Pepper12 DMP
(Remortgage only)
Product Code: RD200112610170
Pepper12 DMP
Product Code: RD200062610170
Pepper12 DMP
(Remortgage only)
Product Code: RD200122610170
Pepper12 DMP
Product Code: RD500052610175
Pepper12 DMP
(Remortgage only)
Product Code: RD500112610175
Pepper12 DMP
Product Code: RD500062610175
Pepper12 DMP
(Remortgage only)
Product Code: RD500122610175
Pepper12 DMP
Product Code: RD300032610175
Pepper12 DMP
(Remortgage only)
Product Code: RD300062610175
Pepper12 DMP
Product Code: RD200052610175
Pepper12 DMP
(Remortgage only)
Product Code: RD200112610175
Pepper12 DMP
Product Code: RD200062610175
Pepper12 DMP
(Remortgage only)
Product Code: RD200122610175
Pepper12 DMP
Product Code: RD500052610180
Pepper12 DMP
(Remortgage only)
Product Code: RD500112610180
Pepper12 DMP
Product Code: RD500062610180
Pepper12 DMP
(Remortgage only)
Product Code: RD500122610180
Pepper12 DMP
Product Code: RD300032610180
Pepper12 DMP
(Remortgage only)
Product Code: RD300062610180
Pepper12 DMP
Product Code: RD200052610180
Pepper12 DMP
(Remortgage only)
Product Code: RD200112610180
Pepper12 DMP
Product Code: RD200062610180
Pepper12 DMP
(Remortgage only)
Product Code: RD200122610180
Pepper12 DMP
Product Code: RD500052610185
Pepper12 DMP
(Remortgage only)
Product Code: RD500112610185
Pepper12 DMP
Product Code: RD500062610185
Pepper12 DMP
(Remortgage only)
Product Code: RD500122610185
Pepper12 DMP
Product Code: RD300032610185
Pepper12 DMP
(Remortgage only)
Product Code: RD300062610185
Pepper12 DMP
Product Code: RD200052610185
Pepper12 DMP
(Remortgage only)
Product Code: RD200112610185
Pepper12 DMP
Product Code: RD200062610185
Pepper12 DMP
(Remortgage only)
Product Code: RD200122610185
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/Sheriff Court Decrees (SCD): | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | For active DMPs/DASs or those satisfied in the last 12 months; see selected products in our Residential range. The following criteria applies:
|
Bankruptcy, Sequestration, IVA & Protected Trust Deed
Pepper24 Bankruptcy, Sequestration, IVA and Protected Trust DeedSuitable for customers: that have a satisfied Bankruptcy/Sequestration Order or Individual Voluntary Arrangement/Protected Trust Deed over 3 year ago
or Individual Voluntary Arrangement/Protected Trust Deed over 3 year ago Pepper24 Bankruptcy and IVA
Product Code: RB500012610175
Pepper24 Bankruptcy and IVA
Product Code: RB200012610175
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 3 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12 Bankruptcy, Sequestration, IVA and Protected Trust DeedSuitable for customers: that have a satisfied Bankruptcy/Sequestration Order or Individual Voluntary Arrangement/Protected Trust Deed over 3 year ago
or Individual Voluntary Arrangement/Protected Trust Deed over 3 year ago Pepper12 Bankruptcy and IVA
Product Code: RB500022610175
Pepper12 Bankruptcy and IVA
Product Code: RB200022610175
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000.
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 3 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | 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 | Capital & 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: | |
| Property Jurisdiction: |
| 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.
Fill in your details below and we will email the results to you
SUCCESS
Your results have successfully been emailed
Please check your inbox
Would you like to opt in to to our email marketing?
Sorry, there seems to have be an error.
Please refresh the page and try again.
Need help with your mortgage case?
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.
Resources
Broker toolkit and guides
Our Broker Toolkit has all the information you need for Products, Calculators and Guides