Home » Broker » Mortgage Products » Residential Mortgage Products
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, existing homeowners looking to consolidate their debts and existing customers wishing to stay with Pepper. Our range of specialist mortgages could be the answer.
Our product range is structured around your customer’s most recent financial event including CCJs, defaults and secured missed payments.
Available up to 85% LTV including on our Pepper 36 Light range
Unsecured credit never affects product tier
No value limit on CCJs and defaults; no need for them to be satisfied
Interest only up to 60% LTV with no amendments to criteria
One year’s self-employed trading accepted
Earned income accepted to age 75
Welcome to our new Residential Mortgage Product tables. You can click into each product to check criteria and for an easy print view. Our previous product table layout is still available if you’d rather see products that way.
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Credit Criteria | |
---|---|
CCJs: | None |
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Free Legals available for existing Pepper customer products.
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Free Legals available for existing Pepper customer products.
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Free Legals available for existing Pepper customer products.
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
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 |
Reposessions: | 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:
|
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
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 |
Reposessions: | 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:
|
Application fee = £150
*For Free Valuation products: One free standard valuation for properties valued up to £500,000.
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 |
Reposessions: | 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:
|
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
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 |
Reposessions: | None in last 6 years |
Debt Management Plan: | Considered if satisfied over 12 months ago |
Looking to find out how much your client could borrow? Our residential calculator has been built with you in mind.
Resources
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.