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
- February 2026
- LMR = 4.25% (As of 15th January 2026)
Residential - Remortgage Only Limited Edition
Pepper48 Light Remortgage Only Limited EditionSuitable 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 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26945
Pepper48 Light Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26951
Pepper48 Light Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26946
Pepper48 Light Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26952
Pepper48 Light Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26947
Pepper48 Light Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26953
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 |
Pepper48 Remortage Only Limited EditionSuitable 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 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26948
Pepper48 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26954
Pepper48 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26949
Pepper48 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26955
Pepper48 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26950
Pepper48 Remortgage Only
Limited Edition
(Remortgage only)
Product Code: R26956
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 |
Residential - Special Limited Edition Min Loan Value £350K
Pepper48 Light Special Limited EditionSuitable 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 Special
Limited Edition
Product Code: R56677
Pepper48 Light Special
Limited Edition
(Remortgage only)
Product Code: R56679
Pepper48 Light Special
Limited Edition
Product Code: R26965
Pepper48 Light Special
Limited Edition
(Remortgage only)
Product Code: R26967
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.
This product has a minimum loan size restriction of £350,000
| 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 |
Pepper48 Special Limited EditionSuitable 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 Special
Limited Edition
Product Code: R56678
Pepper48 Special
Limited Edition
(Remortgage only)
Product Code: R56680
Pepper48 Special
Limited Edition
Product Code: R26966
Pepper48 Special
Limited Edition
(Remortgage only)
Product Code: R26968
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.
This product has a minimum loan size restriction of £350,000
| 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 |
Residential - Limited Edition Special Rate
Pepper48 Light Limited EditionSuitable 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
Limited Edition
Product Code: R56681
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56687
Pepper48 Light
Limited Edition
Product Code: R56682
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56688
Pepper48 Light
Limited Edition
Product Code: R56683
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56689
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 |
Pepper48 Limited EditionSuitable 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
Limited Edition
Product Code: R56684
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56690
Pepper48
Limited Edition
Product Code: R56685
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56691
Pepper48
Limited Edition
Product Code: R56686
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56692
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 |
Residential - Limited Edition Special 90% LTV
Pepper48 Light Limited EditionSuitable 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
Limited Edition
Product Code: R56639
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56645
Pepper48 Light
Limited Edition
Product Code: R56638
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56644
Pepper48 Light
Limited Edition
Product Code: R56637
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R56643
Pepper48 Light
Limited Edition
Product Code: R26907
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R26913
Pepper48 Light
Limited Edition
Product Code: R26906
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R26912
Pepper48 Light
Limited Edition
Product Code: R26905
Pepper48 Light
Limited Edition
(Remortgage only)
Product Code: R26911
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 |
Pepper48 Limited EditionSuitable 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
Limited Edition
Product Code: R56642
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56648
Pepper48
Limited Edition
Product Code: R56641
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56647
Pepper48
Limited Edition
Product Code: R56640
Pepper48
Limited Edition
(Remortgage only)
Product Code: R56646
Pepper48
Limited Edition
Product Code: R26910
Pepper48
Limited Edition
(Remortgage only)
Product Code: R26916
Pepper48
Limited Edition
Product Code: R26909
Pepper48
Limited Edition
(Remortgage only)
Product Code: R26915
Pepper48
Limited Edition
Product Code: R26908
Pepper48
Limited Edition
(Remortgage only)
Product Code: R26914
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 Light Limited EditionSuitable 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
Limited Edition
Product Code: R56659
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R56665
Pepper36 Light
Limited Edition
Product Code: R56658
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R56664
Pepper36 Light
Limited Edition
Product Code: R56657
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R56663
Pepper36 Light
Limited Edition
Product Code: R26927
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R26933
Pepper36 Light
Limited Edition
Product Code: R26926
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R26932
Pepper36 Light
Limited Edition
Product Code: R26925
Pepper36 Light
Limited Edition
(Remortgage only)
Product Code: R26931
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 |
Pepper36 Limited EditionSuitable 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
Limited Edition
Product Code: R56662
Pepper36
Limited Edition
(Remortgage only)
Product Code: R56668
Pepper36
Limited Edition
Product Code: R56661
Pepper36
Limited Edition
(Remortgage only)
Product Code: R56667
Pepper36
Limited Edition
Product Code: R56660
Pepper36
Limited Edition
(Remortgage only)
Product Code: R56666
Pepper36
Limited Edition
Product Code: R26930
Pepper36
Limited Edition
(Remortgage only)
Product Code: R26936
Pepper36
Limited Edition
Product Code: R26929
Pepper36
Limited Edition
(Remortgage only)
Product Code: R26935
Pepper36
Limited Edition
Product Code: R26928
Pepper36
Limited Edition
(Remortgage only)
Product Code: R26934
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 |
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: R56239
Pepper48 Light
(Remortgage only)
Product Code: R56259
Pepper48 Light
Product Code: R56236
Pepper48 Light
(Remortgage only)
Product Code: R56256
Pepper48 Light
Product Code: R56233
Pepper48 Light
(Remortgage only)
Product Code: R56253
Pepper48 Light
Product Code: R30755
Pepper48 Light
(Remortgage only)
Product Code: R30761
Pepper48 Light
Product Code: R26511
Pepper48 Light
(Remortgage only)
Product Code: R26529
Pepper48 Light
Product Code: R26508
Pepper48 Light
(Remortgage only)
Product Code: R26526
Pepper48 Light
Product Code: R26505
Pepper48 Light
(Remortgage only)
Product Code: R26523
Pepper48 Light
Product Code: R56240
Pepper48 Light
(Remortgage only)
Product Code: R56260
Pepper48 Light
Product Code: R56237
Pepper48 Light
(Remortgage only)
Product Code: R56257
Pepper48 Light
Product Code: R56234
Pepper48 Light
(Remortgage only)
Product Code: R56254
Pepper48 Light
Product Code: R30756
Pepper48 Light
(Remortgage only)
Product Code: R30762
Pepper48 Light
Product Code: R26512
Pepper48 Light
(Remortgage only)
Product Code: R26530
Pepper48 Light
Product Code: R26509
Pepper48 Light
(Remortgage only)
Product Code: R26527
Pepper48 Light
Product Code: R26506
Pepper48 Light
(Remortgage only)
Product Code: R26524
Pepper48 Light
Product Code: R56241
Pepper48 Light
(Remortgage only)
Product Code: R56261
Pepper48 Light
Product Code: R56238
Pepper48 Light
(Remortgage only)
Product Code: R56258
Pepper48 Light
Product Code: R56235
Pepper48 Light
(Remortgage only)
Product Code: R56255
Pepper48 Light
Product Code: R30757
Pepper48 Light
(Remortgage only)
Product Code: R30763
Pepper48 Light
Product Code: R26513
Pepper48 Light
(Remortgage only)
Product Code: R26531
Pepper48 Light
Product Code: R26510
Pepper48 Light
(Remortgage only)
Product Code: R26528
Pepper48 Light
Product Code: R26507
Pepper48 Light
(Remortgage only)
Product Code: R26525
Pepper48 Light
Product Code: R56242
Pepper48 Light
(Remortgage only)
Product Code: R56262
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: R56249
Pepper48
(Remortgage only)
Product Code: R56269
Pepper48
Product Code: R56246
Pepper48
(Remortgage only)
Product Code: R56266
Pepper48
Product Code: R56243
Pepper48
(Remortgage only)
Product Code: R56263
Pepper48
Product Code: R30758
Pepper48
(Remortgage only)
Product Code: R30764
Pepper48
Product Code: R26520
Pepper48
(Remortgage only)
Product Code: R26538
Pepper48
Product Code: R26517
Pepper48
(Remortgage only)
Product Code: R26535
Pepper48
Product Code: R26514
Pepper48
(Remortgage only)
Product Code: R26532
Pepper48
Product Code: R56250
Pepper48
(Remortgage only)
Product Code: R56270
Pepper48
Product Code: R56247
Pepper48
(Remortgage only)
Product Code: R56267
Pepper48
Product Code: R56244
Pepper48
(Remortgage only)
Product Code: R56264
Pepper48
Product Code: R30759
Pepper48
(Remortgage only)
Product Code: R30765
Pepper48
Product Code: R26521
Pepper48
(Remortgage only)
Product Code: R26539
Pepper48
Product Code: R26518
Pepper48
(Remortgage only)
Product Code: R26536
Pepper48
Product Code: R26515
Pepper48
(Remortgage only)
Product Code: R26533
Pepper48
Product Code: R56251
Pepper48
(Remortgage only)
Product Code: R56271
Pepper48
Product Code: R56248
Pepper48
(Remortgage only)
Product Code: R56268
Pepper48
Product Code: R56245
Pepper48
(Remortgage only)
Product Code: R56265
Pepper48
Product Code: R30760
Pepper48
(Remortgage only)
Product Code: R30766
Pepper48
Product Code: R26522
Pepper48
(Remortgage only)
Product Code: R26540
Pepper48
Product Code: R26519
Pepper48
(Remortgage only)
Product Code: R26537
Pepper48
Product Code: R26516
Pepper48
(Remortgage only)
Product Code: R26534
Pepper48
Product Code: R56252
Pepper48
(Remortgage only)
Product Code: R56272
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: R56303
Pepper36 Light
(Remortgage only)
Product Code: R56321
Pepper36 Light
Product Code: R56300
Pepper36 Light
(Remortgage only)
Product Code: R56318
Pepper36 Light
Product Code: R56297
Pepper36 Light
(Remortgage only)
Product Code: R56315
Pepper36 Light
Product Code: R30767
Pepper36 Light
(Remortgage only)
Product Code: R30773
Pepper36 Light
Product Code: R26571
Pepper36 Light
(Remortgage only)
Product Code: R26589
Pepper36 Light
Product Code: R26568
Pepper36 Light
(Remortgage only)
Product Code: R26586
Pepper36 Light
Product Code: R26565
Pepper36 Light
(Remortgage only)
Product Code: R26583
Pepper36 Light
Product Code: R56304
Pepper36 Light
(Remortgage only)
Product Code: R56322
Pepper36 Light
Product Code: R56301
Pepper36 Light
(Remortgage only)
Product Code: R56319
Pepper36 Light
Product Code: R56298
Pepper36 Light
(Remortgage only)
Product Code: R56316
Pepper36 Light
Product Code: R30768
Pepper36 Light
(Remortgage only)
Product Code: R30774
Pepper36 Light
Product Code: R26572
Pepper36 Light
(Remortgage only)
Product Code: R26590
Pepper36 Light
Product Code: R26569
Pepper36 Light
(Remortgage only)
Product Code: R26587
Pepper36 Light
Product Code: R26566
Pepper36 Light
(Remortgage only)
Product Code: R26584
Pepper36 Light
Product Code: R56305
Pepper36 Light
(Remortgage only)
Product Code: R56323
Pepper36 Light
Product Code: R56302
Pepper36 Light
(Remortgage only)
Product Code: R56320
Pepper36 Light
Product Code: R56299
Pepper36 Light
(Remortgage only)
Product Code: R56317
Pepper36 Light
Product Code: R30769
Pepper36 Light
(Remortgage only)
Product Code: R30775
Pepper36 Light
Product Code: R26573
Pepper36 Light
(Remortgage only)
Product Code: R26591
Pepper36 Light
Product Code: R26570
Pepper36 Light
(Remortgage only)
Product Code: R26588
Pepper36 Light
Product Code: R26567
Pepper36 Light
(Remortgage only)
Product Code: R26585
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: R56312
Pepper36
(Remortgage only)
Product Code: R56330
Pepper36
Product Code: R56309
Pepper36
(Remortgage only)
Product Code: R56327
Pepper36
Product Code: R56306
Pepper36
(Remortgage only)
Product Code: R56324
Pepper36
Product Code: R30770
Pepper36
(Remortgage only)
Product Code: R30776
Pepper36
Product Code: R26580
Pepper36
(Remortgage only)
Product Code: R26598
Pepper36
Product Code: R26577
Pepper36
(Remortgage only)
Product Code: R26595
Pepper36
Product Code: R26574
Pepper36
(Remortgage only)
Product Code: R26592
Pepper36
Product Code: R56313
Pepper36
(Remortgage only)
Product Code: R56331
Pepper36
Product Code: R56310
Pepper36
(Remortgage only)
Product Code: R56328
Pepper36
Product Code: R56307
Pepper36
(Remortgage only)
Product Code: R56325
Pepper36
Product Code: R30771
Pepper36
(Remortgage only)
Product Code: R30777
Pepper36
Product Code: R26581
Pepper36
(Remortgage only)
Product Code: R26599
Pepper36
Product Code: R26578
Pepper36
(Remortgage only)
Product Code: R26596
Pepper36
Product Code: R26575
Pepper36
(Remortgage only)
Product Code: R26593
Pepper36
Product Code: R56314
Pepper36
(Remortgage only)
Product Code: R56332
Pepper36
Product Code: R56311
Pepper36
(Remortgage only)
Product Code: R56329
Pepper36
Product Code: R56308
Pepper36
(Remortgage only)
Product Code: R56326
Pepper36
Product Code: R30772
Pepper36
(Remortgage only)
Product Code: R30778
Pepper36
Product Code: R26582
Pepper36
(Remortgage only)
Product Code: R26600
Pepper36
Product Code: R26579
Pepper36
(Remortgage only)
Product Code: R26597
Pepper36
Product Code: R26576
Pepper36
(Remortgage only)
Product Code: R26594
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: R56363
Pepper24 Light
(Remortgage only)
Product Code: R56381
Pepper24 Light
Product Code: R56360
Pepper24 Light
(Remortgage only)
Product Code: R56378
Pepper24 Light
Product Code: R56357
Pepper24 Light
(Remortgage only)
Product Code: R56375
Pepper24 Light
Product Code: R30779
Pepper24 Light
(Remortgage only)
Product Code: R30785
Pepper24 Light
Product Code: R26631
Pepper24 Light
(Remortgage only)
Product Code: R26649
Pepper24 Light
Product Code: R26628
Pepper24 Light
(Remortgage only)
Product Code: R26646
Pepper24 Light
Product Code: R26625
Pepper24 Light
(Remortgage only)
Product Code: R26643
Pepper24 Light
Product Code: R56364
Pepper24 Light
(Remortgage only)
Product Code: R56382
Pepper24 Light
Product Code: R56361
Pepper24 Light
(Remortgage only)
Product Code: R56379
Pepper24 Light
Product Code: R56358
Pepper24 Light
(Remortgage only)
Product Code: R56376
Pepper24 Light
Product Code: R30780
Pepper24 Light
(Remortgage only)
Product Code: R30786
Pepper24 Light
Product Code: R26632
Pepper24 Light
(Remortgage only)
Product Code: R26650
Pepper24 Light
Product Code: R26629
Pepper24 Light
(Remortgage only)
Product Code: R26647
Pepper24 Light
Product Code: R26626
Pepper24 Light
(Remortgage only)
Product Code: R26644
Pepper24 Light
Product Code: R56365
Pepper24 Light
(Remortgage only)
Product Code: R56383
Pepper24 Light
Product Code: R56362
Pepper24 Light
(Remortgage only)
Product Code: R56380
Pepper24 Light
Product Code: R56359
Pepper24 Light
(Remortgage only)
Product Code: R56377
Pepper24 Light
Product Code: R30781
Pepper24 Light
(Remortgage only)
Product Code: R30787
Pepper24 Light
Product Code: R26633
Pepper24 Light
(Remortgage only)
Product Code: R26651
Pepper24 Light
Product Code: R26630
Pepper24 Light
(Remortgage only)
Product Code: R26648
Pepper24 Light
Product Code: R26627
Pepper24 Light
(Remortgage only)
Product Code: R26645
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: R56372
Pepper24
(Remortgage only)
Product Code: R56390
Pepper24
Product Code: R56369
Pepper24
(Remortgage only)
Product Code: R56387
Pepper24
Product Code: R56366
Pepper24
(Remortgage only)
Product Code: R56384
Pepper24
Product Code: R30782
Pepper24
(Remortgage only)
Product Code: R30788
Pepper24
Product Code: R26640
Pepper24
(Remortgage only)
Product Code: R26658
Pepper24
Product Code: R26637
Pepper24
(Remortgage only)
Product Code: R26655
Pepper24
Product Code: R26634
Pepper24
(Remortgage only)
Product Code: R26652
Pepper24
Product Code: R56373
Pepper24
(Remortgage only)
Product Code: R56391
Pepper24
Product Code: R56370
Pepper24
(Remortgage only)
Product Code: R56388
Pepper24
Product Code: R56367
Pepper24
(Remortgage only)
Product Code: R56385
Pepper24
Product Code: R30783
Pepper24
(Remortgage only)
Product Code: R30789
Pepper24
Product Code: R26641
Pepper24
(Remortgage only)
Product Code: R26659
Pepper24
Product Code: R26638
Pepper24
(Remortgage only)
Product Code: R26656
Pepper24
Product Code: R26635
Pepper24
(Remortgage only)
Product Code: R26653
Pepper24
Product Code: R56374
Pepper24
(Remortgage only)
Product Code: R56392
Pepper24
Product Code: R56371
Pepper24
(Remortgage only)
Product Code: R56389
Pepper24
Product Code: R56368
Pepper24
(Remortgage only)
Product Code: R56386
Pepper24
Product Code: R30784
Pepper24
(Remortgage only)
Product Code: R30790
Pepper24
Product Code: R26642
Pepper24
(Remortgage only)
Product Code: R26660
Pepper24
Product Code: R26639
Pepper24
(Remortgage only)
Product Code: R26657
Pepper24
Product Code: R26636
Pepper24
(Remortgage only)
Product Code: R26654
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: R56425
Pepper18 Light
(Remortgage only)
Product Code: R56449
Pepper18 Light
Product Code: R56421
Pepper18 Light
(Remortgage only)
Product Code: R56445
Pepper18 Light
Product Code: R56417
Pepper18 Light
(Remortgage only)
Product Code: R56441
Pepper18 Light
Product Code: R26693
Pepper18 Light
(Remortgage only)
Product Code: R26717
Pepper18 Light
Product Code: R26689
Pepper18 Light
(Remortgage only)
Product Code: R26713
Pepper18 Light
Product Code: R26685
Pepper18 Light
(Remortgage only)
Product Code: R26709
Pepper18 Light
Product Code: R56426
Pepper18 Light
(Remortgage only)
Product Code: R56450
Pepper18 Light
Product Code: R56422
Pepper18 Light
(Remortgage only)
Product Code: R56446
Pepper18 Light
Product Code: R56418
Pepper18 Light
(Remortgage only)
Product Code: R56442
Pepper18 Light
Product Code: R26694
Pepper18 Light
(Remortgage only)
Product Code: R26718
Pepper18 Light
Product Code: R26690
Pepper18 Light
(Remortgage only)
Product Code: R26714
Pepper18 Light
Product Code: R26686
Pepper18 Light
(Remortgage only)
Product Code: R26710
Pepper18 Light
Product Code: R56427
Pepper18 Light
(Remortgage only)
Product Code: R56451
Pepper18 Light
Product Code: R56423
Pepper18 Light
(Remortgage only)
Product Code: R56447
Pepper18 Light
Product Code: R56419
Pepper18 Light
(Remortgage only)
Product Code: R56443
Pepper18 Light
Product Code: R26695
Pepper18 Light
(Remortgage only)
Product Code: R26719
Pepper18 Light
Product Code: R26691
Pepper18 Light
(Remortgage only)
Product Code: R26715
Pepper18 Light
Product Code: R26687
Pepper18 Light
(Remortgage only)
Product Code: R26711
Pepper18 Light
Product Code: R56428
Pepper18 Light
(Remortgage only)
Product Code: R56452
Pepper18 Light
Product Code: R56424
Pepper18 Light
(Remortgage only)
Product Code: R56448
Pepper18 Light
Product Code: R56420
Pepper18 Light
(Remortgage only)
Product Code: R56444
Pepper18 Light
Product Code: R26696
Pepper18 Light
(Remortgage only)
Product Code: R26720
Pepper18 Light
Product Code: R26692
Pepper18 Light
(Remortgage only)
Product Code: R26716
Pepper18 Light
Product Code: R26688
Pepper18 Light
(Remortgage only)
Product Code: R26712
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: R56437
Pepper18
(Remortgage only)
Product Code: R56461
Pepper18
Product Code: R56433
Pepper18
(Remortgage only)
Product Code: R56457
Pepper18
Product Code: R56429
Pepper18
(Remortgage only)
Product Code: R56453
Pepper18
Product Code: R26705
Pepper18
(Remortgage only)
Product Code: R26729
Pepper18
Product Code: R26701
Pepper18
(Remortgage only)
Product Code: R26725
Pepper18
Product Code: R26697
Pepper18
(Remortgage only)
Product Code: R26721
Pepper18
Product Code: R56438
Pepper18
(Remortgage only)
Product Code: R56462
Pepper18
Product Code: R56434
Pepper18
(Remortgage only)
Product Code: R56458
Pepper18
Product Code: R56430
Pepper18
(Remortgage only)
Product Code: R56454
Pepper18
Product Code: R26706
Pepper18
(Remortgage only)
Product Code: R26730
Pepper18
Product Code: R26702
Pepper18
(Remortgage only)
Product Code: R26726
Pepper18
Product Code: R26698
Pepper18
(Remortgage only)
Product Code: R26722
Pepper18
Product Code: R56439
Pepper18
(Remortgage only)
Product Code: R56463
Pepper18
Product Code: R56435
Pepper18
(Remortgage only)
Product Code: R56459
Pepper18
Product Code: R56431
Pepper18
(Remortgage only)
Product Code: R56455
Pepper18
Product Code: R26707
Pepper18
(Remortgage only)
Product Code: R26731
Pepper18
Product Code: R26703
Pepper18
(Remortgage only)
Product Code: R26727
Pepper18
Product Code: R26699
Pepper18
(Remortgage only)
Product Code: R26723
Pepper18
Product Code: R56440
Pepper18
(Remortgage only)
Product Code: R56464
Pepper18
Product Code: R56436
Pepper18
(Remortgage only)
Product Code: R56460
Pepper18
Product Code: R56432
Pepper18
(Remortgage only)
Product Code: R56456
Pepper18
Product Code: R26708
Pepper18
(Remortgage only)
Product Code: R26732
Pepper18
Product Code: R26704
Pepper18
(Remortgage only)
Product Code: R26728
Pepper18
Product Code: R26700
Pepper18
(Remortgage only)
Product Code: R26724
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: R56505
Pepper12 Light
(Remortgage only)
Product Code: R56529
Pepper12 Light
Product Code: R56501
Pepper12 Light
(Remortgage only)
Product Code: R56525
Pepper12 Light
Product Code: R56497
Pepper12 Light
(Remortgage only)
Product Code: R56521
Pepper12 Light
Product Code: R26773
Pepper12 Light
(Remortgage only)
Product Code: R26797
Pepper12 Light
Product Code: R26769
Pepper12 Light
(Remortgage only)
Product Code: R26793
Pepper12 Light
Product Code: R26765
Pepper12 Light
(Remortgage only)
Product Code: R26789
Pepper12 Light
Product Code: R56506
Pepper12 Light
(Remortgage only)
Product Code: R56530
Pepper12 Light
Product Code: R56502
Pepper12 Light
(Remortgage only)
Product Code: R56526
Pepper12 Light
Product Code: R56498
Pepper12 Light
(Remortgage only)
Product Code: R56522
Pepper12 Light
Product Code: R26774
Pepper12 Light
(Remortgage only)
Product Code: R26798
Pepper12 Light
Product Code: R26770
Pepper12 Light
(Remortgage only)
Product Code: R26794
Pepper12 Light
Product Code: R26766
Pepper12 Light
(Remortgage only)
Product Code: R26790
Pepper12 Light
Product Code: R56507
Pepper12 Light
(Remortgage only)
Product Code: R56531
Pepper12 Light
Product Code: R56503
Pepper12 Light
(Remortgage only)
Product Code: R56527
Pepper12 Light
Product Code: R56499
Pepper12 Light
(Remortgage only)
Product Code: R56523
Pepper12 Light
Product Code: R26775
Pepper12 Light
(Remortgage only)
Product Code: R26799
Pepper12 Light
Product Code: R26771
Pepper12 Light
(Remortgage only)
Product Code: R26795
Pepper12 Light
Product Code: R26767
Pepper12 Light
(Remortgage only)
Product Code: R26791
Pepper12 Light
Product Code: R56508
Pepper12 Light
(Remortgage only)
Product Code: R56532
Pepper12 Light
Product Code: R56504
Pepper12 Light
(Remortgage only)
Product Code: R56528
Pepper12 Light
Product Code: R56500
Pepper12 Light
(Remortgage only)
Product Code: R56524
Pepper12 Light
Product Code: R26776
Pepper12 Light
(Remortgage only)
Product Code: R26800
Pepper12 Light
Product Code: R26772
Pepper12 Light
(Remortgage only)
Product Code: R26796
Pepper12 Light
Product Code: R26768
Pepper12 Light
(Remortgage only)
Product Code: R26792
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: R56517
Pepper12
(Remortgage only)
Product Code: R56541
Pepper12
Product Code: R56513
Pepper12
(Remortgage only)
Product Code: R56537
Pepper12
Product Code: R56509
Pepper12
(Remortgage only)
Product Code: R56533
Pepper12
Product Code: R26785
Pepper12
(Remortgage only)
Product Code: R26809
Pepper12
Product Code: R26781
Pepper12
(Remortgage only)
Product Code: R26805
Pepper12
Product Code: R26777
Pepper12
(Remortgage only)
Product Code: R26801
Pepper12
Product Code: R56518
Pepper12
(Remortgage only)
Product Code: R56542
Pepper12
Product Code: R56514
Pepper12
(Remortgage only)
Product Code: R56538
Pepper12
Product Code: R56510
Pepper12
(Remortgage only)
Product Code: R56534
Pepper12
Product Code: R26786
Pepper12
(Remortgage only)
Product Code: R26810
Pepper12
Product Code: R26782
Pepper12
(Remortgage only)
Product Code: R26806
Pepper12
Product Code: R26778
Pepper12
(Remortgage only)
Product Code: R26802
Pepper12
Product Code: R56519
Pepper12
(Remortgage only)
Product Code: R56543
Pepper12
Product Code: R56515
Pepper12
(Remortgage only)
Product Code: R56539
Pepper12
Product Code: R56511
Pepper12
(Remortgage only)
Product Code: R56535
Pepper12
Product Code: R26787
Pepper12
(Remortgage only)
Product Code: R26811
Pepper12
Product Code: R26783
Pepper12
(Remortgage only)
Product Code: R26807
Pepper12
Product Code: R26779
Pepper12
(Remortgage only)
Product Code: R26803
Pepper12
Product Code: R56520
Pepper12
(Remortgage only)
Product Code: R56544
Pepper12
Product Code: R56516
Pepper12
(Remortgage only)
Product Code: R56540
Pepper12
Product Code: R56512
Pepper12
(Remortgage only)
Product Code: R56536
Pepper12
Product Code: R26788
Pepper12
(Remortgage only)
Product Code: R26812
Pepper12
Product Code: R26784
Pepper12
(Remortgage only)
Product Code: R26808
Pepper12
Product Code: R26780
Pepper12
(Remortgage only)
Product Code: R26804
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: R56583
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56601
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56580
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56598
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56577
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56595
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26851
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26869
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26848
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26866
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26845
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26863
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56584
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56602
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56581
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56599
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56578
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56596
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26852
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26870
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26849
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26867
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26846
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26864
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56585
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56603
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56582
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56600
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R56579
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56597
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26853
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26871
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26850
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26868
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R26847
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26865
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: R56592
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56610
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56589
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56607
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56586
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56604
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26860
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26878
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26857
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26875
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26854
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26872
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56593
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56611
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56590
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56608
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56587
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56605
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26861
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26879
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26858
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26876
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26855
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26873
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56594
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56612
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56591
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56609
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R56588
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R56606
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26862
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26880
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26859
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26877
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R26856
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R26874
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
(Remortgage only)
Product Code: RR50255
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR20255
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR50256
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR20256
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR50257
Pepper48 Existing Customer
(Remortgage only)
Product Code: RR20257
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
(Remortgage only)
Product Code: RR50258
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR20258
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR50259
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR20259
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR50260
Pepper36 Existing Customer
(Remortgage only)
Product Code: RR20260
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
(Remortgage only)
Product Code: RR50261
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR20261
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR50262
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR20262
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR50263
Pepper24 Existing Customer
(Remortgage only)
Product Code: RR20263
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: RD51085
Pepper24 DMP
(Remortgage only)
Product Code: RD51091
Pepper24 DMP
Product Code: RD51082
Pepper24 DMP
(Remortgage only)
Product Code: RD51088
Pepper24 DMP
Product Code: RD30147
Pepper24 DMP
(Remortgage only)
Product Code: RD30150
Pepper24 DMP
Product Code: RD21195
Pepper24 DMP
(Remortgage only)
Product Code: RD21201
Pepper24 DMP
Product Code: RD21192
Pepper24 DMP
(Remortgage only)
Product Code: RD21198
Pepper24 DMP
Product Code: RD51086
Pepper24 DMP
(Remortgage only)
Product Code: RD51092
Pepper24 DMP
Product Code: RD51083
Pepper24 DMP
(Remortgage only)
Product Code: RD51089
Pepper24 DMP
Product Code: RD30148
Pepper24 DMP
(Remortgage only)
Product Code: RD30151
Pepper24 DMP
Product Code: RD21196
Pepper24 DMP
(Remortgage only)
Product Code: RD21202
Pepper24 DMP
Product Code: RD21193
Pepper24 DMP
(Remortgage only)
Product Code: RD21199
Pepper24 DMP
Product Code: RD51087
Pepper24 DMP
(Remortgage only)
Product Code: RD51093
Pepper24 DMP
Product Code: RD51084
Pepper24 DMP
(Remortgage only)
Product Code: RD51090
Pepper24 DMP
Product Code: RD30149
Pepper24 DMP
(Remortgage only)
Product Code: RD30152
Pepper24 DMP
Product Code: RD21197
Pepper24 DMP
(Remortgage only)
Product Code: RD21203
Pepper24 DMP
Product Code: RD21194
Pepper24 DMP
(Remortgage only)
Product Code: RD21200
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: RD51098
Pepper18 DMP
(Remortgage only)
Product Code: RD51106
Pepper18 DMP
Product Code: RD51094
Pepper18 DMP
(Remortgage only)
Product Code: RD51102
Pepper18 DMP
Product Code: RD30153
Pepper18 DMP
(Remortgage only)
Product Code: RD30157
Pepper18 DMP
Product Code: RD21208
Pepper18 DMP
(Remortgage only)
Product Code: RD21216
Pepper18 DMP
Product Code: RD21204
Pepper18 DMP
(Remortgage only)
Product Code: RD21212
Pepper18 DMP
Product Code: RD51099
Pepper18 DMP
(Remortgage only)
Product Code: RD51107
Pepper18 DMP
Product Code: RD51095
Pepper18 DMP
(Remortgage only)
Product Code: RD51103
Pepper18 DMP
Product Code: RD30154
Pepper18 DMP
(Remortgage only)
Product Code: RD30158
Pepper18 DMP
Product Code: RD21209
Pepper18 DMP
(Remortgage only)
Product Code: RD21217
Pepper18 DMP
Product Code: RD21205
Pepper18 DMP
(Remortgage only)
Product Code: RD21213
Pepper18 DMP
Product Code: RD51100
Pepper18 DMP
(Remortgage only)
Product Code: RD51108
Pepper18 DMP
Product Code: RD51096
Pepper18 DMP
(Remortgage only)
Product Code: RD51104
Pepper18 DMP
Product Code: RD30155
Pepper18 DMP
(Remortgage only)
Product Code: RD30159
Pepper18 DMP
Product Code: RD21210
Pepper18 DMP
(Remortgage only)
Product Code: RD21218
Pepper18 DMP
Product Code: RD21206
Pepper18 DMP
(Remortgage only)
Product Code: RD21214
Pepper18 DMP
Product Code: RD51101
Pepper18 DMP
(Remortgage only)
Product Code: RD51109
Pepper18 DMP
Product Code: RD51097
Pepper18 DMP
(Remortgage only)
Product Code: RD51105
Pepper18 DMP
Product Code: RD30156
Pepper18 DMP
(Remortgage only)
Product Code: RD30160
Pepper18 DMP
Product Code: RD21211
Pepper18 DMP
(Remortgage only)
Product Code: RD21219
Pepper18 DMP
Product Code: RD21207
Pepper18 DMP
(Remortgage only)
Product Code: RD21215
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: RD51114
Pepper12 DMP
(Remortgage only)
Product Code: RD51122
Pepper12 DMP
Product Code: RD51110
Pepper12 DMP
(Remortgage only)
Product Code: RD51118
Pepper12 DMP
Product Code: RD30161
Pepper12 DMP
(Remortgage only)
Product Code: RD30165
Pepper12 DMP
Product Code: RD21224
Pepper12 DMP
(Remortgage only)
Product Code: RD21232
Pepper12 DMP
Product Code: RD21220
Pepper12 DMP
(Remortgage only)
Product Code: RD21228
Pepper12 DMP
Product Code: RD51115
Pepper12 DMP
(Remortgage only)
Product Code: RD51123
Pepper12 DMP
Product Code: RD51111
Pepper12 DMP
(Remortgage only)
Product Code: RD51119
Pepper12 DMP
Product Code: RD30162
Pepper12 DMP
(Remortgage only)
Product Code: RD30166
Pepper12 DMP
Product Code: RD21225
Pepper12 DMP
(Remortgage only)
Product Code: RD21233
Pepper12 DMP
Product Code: RD21221
Pepper12 DMP
(Remortgage only)
Product Code: RD21229
Pepper12 DMP
Product Code: RD51116
Pepper12 DMP
(Remortgage only)
Product Code: RD51124
Pepper12 DMP
Product Code: RD51112
Pepper12 DMP
(Remortgage only)
Product Code: RD51120
Pepper12 DMP
Product Code: RD30163
Pepper12 DMP
(Remortgage only)
Product Code: RD30167
Pepper12 DMP
Product Code: RD21226
Pepper12 DMP
(Remortgage only)
Product Code: RD21234
Pepper12 DMP
Product Code: RD21222
Pepper12 DMP
(Remortgage only)
Product Code: RD21230
Pepper12 DMP
Product Code: RD51117
Pepper12 DMP
(Remortgage only)
Product Code: RD51125
Pepper12 DMP
Product Code: RD51113
Pepper12 DMP
(Remortgage only)
Product Code: RD51121
Pepper12 DMP
Product Code: RD30164
Pepper12 DMP
(Remortgage only)
Product Code: RD30168
Pepper12 DMP
Product Code: RD21227
Pepper12 DMP
(Remortgage only)
Product Code: RD21235
Pepper12 DMP
Product Code: RD21223
Pepper12 DMP
(Remortgage only)
Product Code: RD21231
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: RB50045
Pepper24 Bankruptcy and IVA
Product Code: RB20045
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: RB50046
Pepper12 Bankruptcy and IVA
Product Code: RB20046
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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