Our mortgages

Residential Mortgage Products

We can help you place more specialist Residential mortgage customers. Whether they’re a first-time buyer with no credit history, a home mover with one year’s self-employed trading, or looking to remortgage to consolidate existing debts.

Unlike high street lenders, we don’t use credit scoring to make decisions or cascade applications once you’ve submitted. Instead, we value the story behind your customer’s numbers, helping you place more applications in the process.

Our product range is structured around your customer’s most recent financial event including CCJs, defaults and secured missed payments. However, there are several benefits of choosing Pepper Money for your Residential applications.

Up to 85% LTV

Available up to 85% LTV including on our Pepper 48 Light range

Unsecured Credit

Unsecured credit never affects product tier

No value limits

No value limit on CCJs and defaults; no need for them to be satisfied

Interest Only Options

Interest only up to 60% LTV with no amendments to criteria

Helping self-employed

One year’s self-employed trading accepted.

Wide age brackets

Earned income accepted to age 75

Limited Edition - Pepper 48

Suitable for clients that haven’t had a Default or CCJ in the last 48 months

Limited Edition - Pepper 36

Suitable for clients that haven’t had a Default or CCJ in the last 36 months

Updated : July 2021

Residential Product Rates & Criteria

LMR = 1.10%

Effective 21st September 2020

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Working exclusively with brokers, we provide specialist Residential and Buy to Let mortgages to customers often overlooked by high street lenders. Leave your details below to stay updated on our latest news and products.

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