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
- May 2026
- LMR = 4.25% (As of 15th January 2026)
Residential - 2-year fixed limited edition
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 Limited Edition
Product Code: R2001626051
Pepper48 Light Limited Edition
(Remortgage only)
Product Code: R2090426051
Pepper48 Light Limited Edition
Product Code: R2001726051
Pepper48 Light Limited Edition
(Remortgage only)
Product Code: R2090526051
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 |
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: R5001826051
Pepper48 Light
(Remortgage only)
Product Code: R5090626051
Pepper48 Light
Product Code: R5002226051
Pepper48 Light
(Remortgage only)
Product Code: R5091026051
Pepper48 Light
Product Code: R5002626051
Pepper48 Light
(Remortgage only)
Product Code: R5091826051
Pepper48 Light
Product Code: R3001326051
Pepper48 Light
(Remortgage only)
Product Code: R3090126051
Pepper48 Light
Product Code: R2000126051
Pepper48 Light
(Remortgage only)
Product Code: R2088126051
Pepper48 Light
Product Code: R2000526051
Pepper48 Light
(Remortgage only)
Product Code: R2088526051
Pepper48 Light
Product Code: R2000926051
Pepper48 Light
(Remortgage only)
Product Code: R2089326051
Pepper48 Light
Product Code: R5001926051
Pepper48 Light
(Remortgage only)
Product Code: R5090726051
Pepper48 Light
Product Code: R5002326051
Pepper48 Light
(Remortgage only)
Product Code: R5091226051
Pepper48 Light
Product Code: R5002726051
Pepper48 Light
(Remortgage only)
Product Code: R5092026051
Pepper48 Light
Product Code: R3001426051
Pepper48 Light
(Remortgage only)
Product Code: R3090226051
Pepper48 Light
Product Code: R2000226051
Pepper48 Light
(Remortgage only)
Product Code: R2088226051
Pepper48 Light
Product Code: R2000626051
Pepper48 Light
(Remortgage only)
Product Code: R2088726051
Pepper48 Light
Product Code: R2001026051
Pepper48 Light
(Remortgage only)
Product Code: R2089526051
Pepper48 Light
Product Code: R5002026051
Pepper48 Light
(Remortgage only)
Product Code: R5090826051
Pepper48 Light
Product Code: R5002426051
Pepper48 Light
(Remortgage only)
Product Code: R5091426051
Pepper48 Light
Product Code: R5002826051
Pepper48 Light
(Remortgage only)
Product Code: R5092226051
Pepper48 Light
Product Code: R3001526051
Pepper48 Light
(Remortgage only)
Product Code: R3090326051
Pepper48 Light
Product Code: R2000326051
Pepper48 Light
(Remortgage only)
Product Code: R2088326051
Pepper48 Light
Product Code: R2000726051
Pepper48 Light
(Remortgage only)
Product Code: R2088926051
Pepper48 Light
Product Code: R2001126051
Pepper48 Light
(Remortgage only)
Product Code: R2089726051
Pepper48 Light
Product Code: R5002126051
Pepper48 Light
(Remortgage only)
Product Code: R5090926051
Pepper48 Light
Product Code: R5002526051
Pepper48 Light
(Remortgage only)
Product Code: R5091626051
Pepper48 Light
Product Code: R5002926051
Pepper48 Light
(Remortgage only)
Product Code: R5092426051
Pepper48 Light
Product Code: R2000426051
Pepper48 Light
(Remortgage only)
Product Code: R2088426051
Pepper48 Light
Product Code: R2000826051
Pepper48 Light
(Remortgage only)
Product Code: R2089126051
Pepper48 Light
Product Code: R2001226051
Pepper48 Light
(Remortgage only)
Product Code: R2089926051
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: R5004526051
Pepper48
(Remortgage only)
Product Code: R5094926051
Pepper48
Product Code: R5004926051
Pepper48
(Remortgage only)
Product Code: R5095326051
Pepper48
Product Code: R5005326051
Pepper48
(Remortgage only)
Product Code: R5096126051
Pepper48
Product Code: R3004226051
Pepper48
(Remortgage only)
Product Code: R3094626051
Pepper48
Product Code: R2003026051
Pepper48
(Remortgage only)
Product Code: R2092626051
Pepper48
Product Code: R2003426051
Pepper48
(Remortgage only)
Product Code: R2093026051
Pepper48
Product Code: R2003826051
Pepper48
(Remortgage only)
Product Code: R2093826051
Pepper48
Product Code: R5004626051
Pepper48
(Remortgage only)
Product Code: R5095026051
Pepper48
Product Code: R5005026051
Pepper48
(Remortgage only)
Product Code: R5095526051
Pepper48
Product Code: R5005426051
Pepper48
(Remortgage only)
Product Code: R5096326051
Pepper48
Product Code: R3004326051
Pepper48
(Remortgage only)
Product Code: R3094726051
Pepper48
Product Code: R2003126051
Pepper48
(Remortgage only)
Product Code: R2092726051
Pepper48
Product Code: R2003526051
Pepper48
(Remortgage only)
Product Code: R2093226051
Pepper48
Product Code: R2003926051
Pepper48
(Remortgage only)
Product Code: R2094026051
Pepper48
Product Code: R5004726051
Pepper48
(Remortgage only)
Product Code: R5095126051
Pepper48
Product Code: R5005126051
Pepper48
(Remortgage only)
Product Code: R5095726051
Pepper48
Product Code: R5005526051
Pepper48
(Remortgage only)
Product Code: R5096526051
Pepper48
Product Code: R3004426051
Pepper48
(Remortgage only)
Product Code: R3094826051
Pepper48
Product Code: R2003226051
Pepper48
(Remortgage only)
Product Code: R2092826051
Pepper48
Product Code: R2003626051
Pepper48
(Remortgage only)
Product Code: R2093426051
Pepper48
Product Code: R2004026051
Pepper48
(Remortgage only)
Product Code: R2094226051
Pepper48
Product Code: R5004826051
Pepper48
(Remortgage only)
Product Code: R5095226051
Pepper48
Product Code: R5005226051
Pepper48
(Remortgage only)
Product Code: R5095926051
Pepper48
Product Code: R5005626051
Pepper48
(Remortgage only)
Product Code: R5096726051
Pepper48
Product Code: R2003326051
Pepper48
(Remortgage only)
Product Code: R2092926051
Pepper48
Product Code: R2003726051
Pepper48
(Remortgage only)
Product Code: R2093626051
Pepper48
Product Code: R2004126051
Pepper48
(Remortgage only)
Product Code: R2094426051
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: R5007226051
Pepper36 Light
(Remortgage only)
Product Code: R5099226051
Pepper36 Light
Product Code: R5007626051
Pepper36 Light
(Remortgage only)
Product Code: R5099626051
Pepper36 Light
Product Code: R5008026051
Pepper36 Light
(Remortgage only)
Product Code: R5100426051
Pepper36 Light
Product Code: R3006926051
Pepper36 Light
(Remortgage only)
Product Code: R3098926051
Pepper36 Light
Product Code: R2005726051
Pepper36 Light
(Remortgage only)
Product Code: R2096926051
Pepper36 Light
Product Code: R2006126051
Pepper36 Light
(Remortgage only)
Product Code: R2097326051
Pepper36 Light
Product Code: R2006526051
Pepper36 Light
(Remortgage only)
Product Code: R2098126051
Pepper36 Light
Product Code: R5007326051
Pepper36 Light
(Remortgage only)
Product Code: R5099326051
Pepper36 Light
Product Code: R5007726051
Pepper36 Light
(Remortgage only)
Product Code: R5099826051
Pepper36 Light
Product Code: R5008126051
Pepper36 Light
(Remortgage only)
Product Code: R5100626051
Pepper36 Light
Product Code: R3007026051
Pepper36 Light
(Remortgage only)
Product Code: R3099026051
Pepper36 Light
Product Code: R2005826051
Pepper36 Light
(Remortgage only)
Product Code: R2097026051
Pepper36 Light
Product Code: R2006226051
Pepper36 Light
(Remortgage only)
Product Code: R2097526051
Pepper36 Light
Product Code: R2006626051
Pepper36 Light
(Remortgage only)
Product Code: R2098326051
Pepper36 Light
Product Code: R5007426051
Pepper36 Light
(Remortgage only)
Product Code: R5099426051
Pepper36 Light
Product Code: R5007826051
Pepper36 Light
(Remortgage only)
Product Code: R5100026051
Pepper36 Light
Product Code: R5008226051
Pepper36 Light
(Remortgage only)
Product Code: R5100826051
Pepper36 Light
Product Code: R3007126051
Pepper36 Light
(Remortgage only)
Product Code: R3099126051
Pepper36 Light
Product Code: R2005926051
Pepper36 Light
(Remortgage only)
Product Code: R2097126051
Pepper36 Light
Product Code: R2006326051
Pepper36 Light
(Remortgage only)
Product Code: R2097726051
Pepper36 Light
Product Code: R2006726051
Pepper36 Light
(Remortgage only)
Product Code: R2098526051
Pepper36 Light
Product Code: R5007526051
Pepper36 Light
(Remortgage only)
Product Code: R5099526051
Pepper36 Light
Product Code: R5007926051
Pepper36 Light
(Remortgage only)
Product Code: R5100226051
Pepper36 Light
Product Code: R5008326051
Pepper36 Light
(Remortgage only)
Product Code: R5101026051
Pepper36 Light
Product Code: R2006026051
Pepper36 Light
(Remortgage only)
Product Code: R2097226051
Pepper36 Light
Product Code: R2006426051
Pepper36 Light
(Remortgage only)
Product Code: R2097926051
Pepper36 Light
Product Code: R2006826051
Pepper36 Light
(Remortgage only)
Product Code: R2098726051
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: R5009926051
Pepper36
(Remortgage only)
Product Code: R5103526051
Pepper36
Product Code: R5010326051
Pepper36
(Remortgage only)
Product Code: R5103926051
Pepper36
Product Code: R5010726051
Pepper36
(Remortgage only)
Product Code: R5104726051
Pepper36
Product Code: R3009626051
Pepper36
(Remortgage only)
Product Code: R3103226051
Pepper36
Product Code: R2008426051
Pepper36
(Remortgage only)
Product Code: R2101226051
Pepper36
Product Code: R2008826051
Pepper36
(Remortgage only)
Product Code: R2101626051
Pepper36
Product Code: R2009226051
Pepper36
(Remortgage only)
Product Code: R2102426051
Pepper36
Product Code: R5010026051
Pepper36
(Remortgage only)
Product Code: R5103626051
Pepper36
Product Code: R5010426051
Pepper36
(Remortgage only)
Product Code: R5104126051
Pepper36
Product Code: R5010826051
Pepper36
(Remortgage only)
Product Code: R5104926051
Pepper36
Product Code: R3009726051
Pepper36
(Remortgage only)
Product Code: R3103326051
Pepper36
Product Code: R2008526051
Pepper36
(Remortgage only)
Product Code: R2101326051
Pepper36
Product Code: R2008926051
Pepper36
(Remortgage only)
Product Code: R2101826051
Pepper36
Product Code: R2009326051
Pepper36
(Remortgage only)
Product Code: R2102626051
Pepper36
Product Code: R5010126051
Pepper36
(Remortgage only)
Product Code: R5103726051
Pepper36
Product Code: R5010526051
Pepper36
(Remortgage only)
Product Code: R5104326051
Pepper36
Product Code: R5010926051
Pepper36
(Remortgage only)
Product Code: R5105126051
Pepper36
Product Code: R3009826051
Pepper36
(Remortgage only)
Product Code: R3103426051
Pepper36
Product Code: R2008626051
Pepper36
(Remortgage only)
Product Code: R2101426051
Pepper36
Product Code: R2009026051
Pepper36
(Remortgage only)
Product Code: R2102026051
Pepper36
Product Code: R2009426051
Pepper36
(Remortgage only)
Product Code: R2102826051
Pepper36
Product Code: R5010226051
Pepper36
(Remortgage only)
Product Code: R5103826051
Pepper36
Product Code: R5010626051
Pepper36
(Remortgage only)
Product Code: R5104526051
Pepper36
Product Code: R5011026051
Pepper36
(Remortgage only)
Product Code: R5105326051
Pepper36
Product Code: R2008726051
Pepper36
(Remortgage only)
Product Code: R2101526051
Pepper36
Product Code: R2009126051
Pepper36
(Remortgage only)
Product Code: R2102226051
Pepper36
Product Code: R2009526051
Pepper36
(Remortgage only)
Product Code: R2103026051
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: R5012326051
Pepper24 Light
(Remortgage only)
Product Code: R5107326051
Pepper24 Light
Product Code: R5012626051
Pepper24 Light
(Remortgage only)
Product Code: R5107626051
Pepper24 Light
Product Code: R5012926051
Pepper24 Light
(Remortgage only)
Product Code: R5108226051
Pepper24 Light
Product Code: R3012026051
Pepper24 Light
(Remortgage only)
Product Code: R3107026051
Pepper24 Light
Product Code: R2011126051
Pepper24 Light
(Remortgage only)
Product Code: R2105526051
Pepper24 Light
Product Code: R2011426051
Pepper24 Light
(Remortgage only)
Product Code: R2105826051
Pepper24 Light
Product Code: R2011726051
Pepper24 Light
(Remortgage only)
Product Code: R2106426051
Pepper24 Light
Product Code: R5012426051
Pepper24 Light
(Remortgage only)
Product Code: R5107426051
Pepper24 Light
Product Code: R5012726051
Pepper24 Light
(Remortgage only)
Product Code: R5107826051
Pepper24 Light
Product Code: R5013026051
Pepper24 Light
(Remortgage only)
Product Code: R5108426051
Pepper24 Light
Product Code: R3012126051
Pepper24 Light
(Remortgage only)
Product Code: R3107126051
Pepper24 Light
Product Code: R2011226051
Pepper24 Light
(Remortgage only)
Product Code: R2105626051
Pepper24 Light
Product Code: R2011526051
Pepper24 Light
(Remortgage only)
Product Code: R2106026051
Pepper24 Light
Product Code: R2011826051
Pepper24 Light
(Remortgage only)
Product Code: R2106626051
Pepper24 Light
Product Code: R5012526051
Pepper24 Light
(Remortgage only)
Product Code: R5107526051
Pepper24 Light
Product Code: R5012826051
Pepper24 Light
(Remortgage only)
Product Code: R5108026051
Pepper24 Light
Product Code: R5013126051
Pepper24 Light
(Remortgage only)
Product Code: R5108626051
Pepper24 Light
Product Code: R3012226051
Pepper24 Light
(Remortgage only)
Product Code: R3107226051
Pepper24 Light
Product Code: R2011326051
Pepper24 Light
(Remortgage only)
Product Code: R2105726051
Pepper24 Light
Product Code: R2011626051
Pepper24 Light
(Remortgage only)
Product Code: R2106226051
Pepper24 Light
Product Code: R2011926051
Pepper24 Light
(Remortgage only)
Product Code: R2106826051
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: R5014426051
Pepper24
(Remortgage only)
Product Code: R5110626051
Pepper24
Product Code: R5014726051
Pepper24
(Remortgage only)
Product Code: R5110926051
Pepper24
Product Code: R5015026051
Pepper24
(Remortgage only)
Product Code: R5111526051
Pepper24
Product Code: R3014126051
Pepper24
(Remortgage only)
Product Code: R3110326051
Pepper24
Product Code: R2013226051
Pepper24
(Remortgage only)
Product Code: R2108826051
Pepper24
Product Code: R2013526051
Pepper24
(Remortgage only)
Product Code: R2109126051
Pepper24
Product Code: R2013826051
Pepper24
(Remortgage only)
Product Code: R2109726051
Pepper24
Product Code: R5014526051
Pepper24
(Remortgage only)
Product Code: R5110726051
Pepper24
Product Code: R5014826051
Pepper24
(Remortgage only)
Product Code: R5111126051
Pepper24
Product Code: R5015126051
Pepper24
(Remortgage only)
Product Code: R5111726051
Pepper24
Product Code: R3014226051
Pepper24
(Remortgage only)
Product Code: R3110426051
Pepper24
Product Code: R2013326051
Pepper24
(Remortgage only)
Product Code: R2108926051
Pepper24
Product Code: R2013626051
Pepper24
(Remortgage only)
Product Code: R2109326051
Pepper24
Product Code: R2013926051
Pepper24
(Remortgage only)
Product Code: R2109926051
Pepper24
Product Code: R5014626051
Pepper24
(Remortgage only)
Product Code: R5110826051
Pepper24
Product Code: R5014926051
Pepper24
(Remortgage only)
Product Code: R5111326051
Pepper24
Product Code: R5015226051
Pepper24
(Remortgage only)
Product Code: R5111926051
Pepper24
Product Code: R3014326051
Pepper24
(Remortgage only)
Product Code: R3110526051
Pepper24
Product Code: R2013426051
Pepper24
(Remortgage only)
Product Code: R2109026051
Pepper24
Product Code: R2013726051
Pepper24
(Remortgage only)
Product Code: R2109526051
Pepper24
Product Code: R2014026051
Pepper24
(Remortgage only)
Product Code: R2110126051
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: R5016526051
Pepper18 Light
(Remortgage only)
Product Code: R5114126051
Pepper18 Light
Product Code: R5016926051
Pepper18 Light
(Remortgage only)
Product Code: R5114526051
Pepper18 Light
Product Code: R5017326051
Pepper18 Light
(Remortgage only)
Product Code: R5115326051
Pepper18 Light
Product Code: R2015326051
Pepper18 Light
(Remortgage only)
Product Code: R2112126051
Pepper18 Light
Product Code: R2015726051
Pepper18 Light
(Remortgage only)
Product Code: R2112526051
Pepper18 Light
Product Code: R2016126051
Pepper18 Light
(Remortgage only)
Product Code: R2113326051
Pepper18 Light
Product Code: R5016626051
Pepper18 Light
(Remortgage only)
Product Code: R5114226051
Pepper18 Light
Product Code: R5017026051
Pepper18 Light
(Remortgage only)
Product Code: R5114726051
Pepper18 Light
Product Code: R5017426051
Pepper18 Light
(Remortgage only)
Product Code: R5115526051
Pepper18 Light
Product Code: R2015426051
Pepper18 Light
(Remortgage only)
Product Code: R2112226051
Pepper18 Light
Product Code: R2015826051
Pepper18 Light
(Remortgage only)
Product Code: R2112726051
Pepper18 Light
Product Code: R2016226051
Pepper18 Light
(Remortgage only)
Product Code: R2113526051
Pepper18 Light
Product Code: R5016726051
Pepper18 Light
(Remortgage only)
Product Code: R5114326051
Pepper18 Light
Product Code: R5017126051
Pepper18 Light
(Remortgage only)
Product Code: R5114926051
Pepper18 Light
Product Code: R5017526051
Pepper18 Light
(Remortgage only)
Product Code: R5115726051
Pepper18 Light
Product Code: R2015526051
Pepper18 Light
(Remortgage only)
Product Code: R2112326051
Pepper18 Light
Product Code: R2015926051
Pepper18 Light
(Remortgage only)
Product Code: R2112926051
Pepper18 Light
Product Code: R2016326051
Pepper18 Light
(Remortgage only)
Product Code: R2113726051
Pepper18 Light
Product Code: R5016826051
Pepper18 Light
(Remortgage only)
Product Code: R5114426051
Pepper18 Light
Product Code: R5017226051
Pepper18 Light
(Remortgage only)
Product Code: R5115126051
Pepper18 Light
Product Code: R5017626051
Pepper18 Light
(Remortgage only)
Product Code: R5115926051
Pepper18 Light
Product Code: R2015626051
Pepper18 Light
(Remortgage only)
Product Code: R2112426051
Pepper18 Light
Product Code: R2016026051
Pepper18 Light
(Remortgage only)
Product Code: R2113126051
Pepper18 Light
Product Code: R2016426051
Pepper18 Light
(Remortgage only)
Product Code: R2113926051
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: R5018926051
Pepper18
(Remortgage only)
Product Code: R5118126051
Pepper18
Product Code: R5019326051
Pepper18
(Remortgage only)
Product Code: R5118526051
Pepper18
Product Code: R5019726051
Pepper18
(Remortgage only)
Product Code: R5119326051
Pepper18
Product Code: R2017726051
Pepper18
(Remortgage only)
Product Code: R2116126051
Pepper18
Product Code: R2018126051
Pepper18
(Remortgage only)
Product Code: R2116526051
Pepper18
Product Code: R2018526051
Pepper18
(Remortgage only)
Product Code: R2117326051
Pepper18
Product Code: R5019026051
Pepper18
(Remortgage only)
Product Code: R5118226051
Pepper18
Product Code: R5019426051
Pepper18
(Remortgage only)
Product Code: R5118726051
Pepper18
Product Code: R5019826051
Pepper18
(Remortgage only)
Product Code: R5119526051
Pepper18
Product Code: R2017826051
Pepper18
(Remortgage only)
Product Code: R2116226051
Pepper18
Product Code: R2018226051
Pepper18
(Remortgage only)
Product Code: R2116726051
Pepper18
Product Code: R2018626051
Pepper18
(Remortgage only)
Product Code: R2117526051
Pepper18
Product Code: R5019126051
Pepper18
(Remortgage only)
Product Code: R5118326051
Pepper18
Product Code: R5019526051
Pepper18
(Remortgage only)
Product Code: R5118926051
Pepper18
Product Code: R5019926051
Pepper18
(Remortgage only)
Product Code: R5119726051
Pepper18
Product Code: R2017926051
Pepper18
(Remortgage only)
Product Code: R2116326051
Pepper18
Product Code: R2018326051
Pepper18
(Remortgage only)
Product Code: R2116926051
Pepper18
Product Code: R2018726051
Pepper18
(Remortgage only)
Product Code: R2117726051
Pepper18
Product Code: R5019226051
Pepper18
(Remortgage only)
Product Code: R5118426051
Pepper18
Product Code: R5019626051
Pepper18
(Remortgage only)
Product Code: R5119126051
Pepper18
Product Code: R5020026051
Pepper18
(Remortgage only)
Product Code: R5119926051
Pepper18
Product Code: R2018026051
Pepper18
(Remortgage only)
Product Code: R2116426051
Pepper18
Product Code: R2018426051
Pepper18
(Remortgage only)
Product Code: R2117126051
Pepper18
Product Code: R2018826051
Pepper18
(Remortgage only)
Product Code: R2117926051
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: R5021326051
Pepper12 Light
(Remortgage only)
Product Code: R5122126051
Pepper12 Light
Product Code: R5021726051
Pepper12 Light
(Remortgage only)
Product Code: R5122526051
Pepper12 Light
Product Code: R5022126051
Pepper12 Light
(Remortgage only)
Product Code: R5123326051
Pepper12 Light
Product Code: R2020126051
Pepper12 Light
(Remortgage only)
Product Code: R2120126051
Pepper12 Light
Product Code: R2020526051
Pepper12 Light
(Remortgage only)
Product Code: R2120526051
Pepper12 Light
Product Code: R2020926051
Pepper12 Light
(Remortgage only)
Product Code: R2121326051
Pepper12 Light
Product Code: R5021426051
Pepper12 Light
(Remortgage only)
Product Code: R5122226051
Pepper12 Light
Product Code: R5021826051
Pepper12 Light
(Remortgage only)
Product Code: R5122726051
Pepper12 Light
Product Code: R5022226051
Pepper12 Light
(Remortgage only)
Product Code: R5123526051
Pepper12 Light
Product Code: R2020226051
Pepper12 Light
(Remortgage only)
Product Code: R2120226051
Pepper12 Light
Product Code: R2020626051
Pepper12 Light
(Remortgage only)
Product Code: R2120726051
Pepper12 Light
Product Code: R2021026051
Pepper12 Light
(Remortgage only)
Product Code: R2121526051
Pepper12 Light
Product Code: R5021526051
Pepper12 Light
(Remortgage only)
Product Code: R5122326051
Pepper12 Light
Product Code: R5021926051
Pepper12 Light
(Remortgage only)
Product Code: R5122926051
Pepper12 Light
Product Code: R5022326051
Pepper12 Light
(Remortgage only)
Product Code: R5123726051
Pepper12 Light
Product Code: R2020326051
Pepper12 Light
(Remortgage only)
Product Code: R2120326051
Pepper12 Light
Product Code: R2020726051
Pepper12 Light
(Remortgage only)
Product Code: R2120926051
Pepper12 Light
Product Code: R2021126051
Pepper12 Light
(Remortgage only)
Product Code: R2121726051
Pepper12 Light
Product Code: R5021626051
Pepper12 Light
(Remortgage only)
Product Code: R5122426051
Pepper12 Light
Product Code: R5022026051
Pepper12 Light
(Remortgage only)
Product Code: R5123126051
Pepper12 Light
Product Code: R5022426051
Pepper12 Light
(Remortgage only)
Product Code: R5123926051
Pepper12 Light
Product Code: R2020426051
Pepper12 Light
(Remortgage only)
Product Code: R2120426051
Pepper12 Light
Product Code: R2020826051
Pepper12 Light
(Remortgage only)
Product Code: R2121126051
Pepper12 Light
Product Code: R2021226051
Pepper12 Light
(Remortgage only)
Product Code: R2121926051
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: R5023726051
Pepper12
(Remortgage only)
Product Code: R5126126051
Pepper12
Product Code: R5024126051
Pepper12
(Remortgage only)
Product Code: R5126526051
Pepper12
Product Code: R5024526051
Pepper12
(Remortgage only)
Product Code: R5127326051
Pepper12
Product Code: R2022526051
Pepper12
(Remortgage only)
Product Code: R2124126051
Pepper12
Product Code: R2022926051
Pepper12
(Remortgage only)
Product Code: R2124526051
Pepper12
Product Code: R2023326051
Pepper12
(Remortgage only)
Product Code: R2125326051
Pepper12
Product Code: R5023826051
Pepper12
(Remortgage only)
Product Code: R5126226051
Pepper12
Product Code: R5024226051
Pepper12
(Remortgage only)
Product Code: R5126726051
Pepper12
Product Code: R5024626051
Pepper12
(Remortgage only)
Product Code: R5127526051
Pepper12
Product Code: R2022626051
Pepper12
(Remortgage only)
Product Code: R2124226051
Pepper12
Product Code: R2023026051
Pepper12
(Remortgage only)
Product Code: R2124726051
Pepper12
Product Code: R2023426051
Pepper12
(Remortgage only)
Product Code: R2125526051
Pepper12
Product Code: R5023926051
Pepper12
(Remortgage only)
Product Code: R5126326051
Pepper12
Product Code: R5024326051
Pepper12
(Remortgage only)
Product Code: R5126926051
Pepper12
Product Code: R5024726051
Pepper12
(Remortgage only)
Product Code: R5127726051
Pepper12
Product Code: R2022726051
Pepper12
(Remortgage only)
Product Code: R2124326051
Pepper12
Product Code: R2023126051
Pepper12
(Remortgage only)
Product Code: R2124926051
Pepper12
Product Code: R2023526051
Pepper12
(Remortgage only)
Product Code: R2125726051
Pepper12
Product Code: R5024026051
Pepper12
(Remortgage only)
Product Code: R5126426051
Pepper12
Product Code: R5024426051
Pepper12
(Remortgage only)
Product Code: R5127126051
Pepper12
Product Code: R5024826051
Pepper12
(Remortgage only)
Product Code: R5127926051
Pepper12
Product Code: R2022826051
Pepper12
(Remortgage only)
Product Code: R2124426051
Pepper12
Product Code: R2023226051
Pepper12
(Remortgage only)
Product Code: R2125126051
Pepper12
Product Code: R2023626051
Pepper12
(Remortgage only)
Product Code: R2125926051
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: R5025826051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5129626051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026126051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5129926051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026426051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5130526051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2024926051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128126051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025226051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128426051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025526051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2129026051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5025926051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5129726051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026226051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5130126051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026526051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5130726051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025026051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128226051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025326051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128626051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025626051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2129226051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026026051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5129826051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026326051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5130326051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R5026626051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5130926051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025126051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128326051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025426051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2128826051
Pepper6 Light
(Secured Missed Payments 0 in 12 months)
Product Code: R2025726051
Pepper6 Light
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2129426051
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: R5027626051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5132626051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5027926051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5132926051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5028226051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5133526051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2026726051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131126051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027026051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131426051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027326051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2132026051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5027726051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5132726051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5028026051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5133126051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5028326051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5133726051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2026826051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131226051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027126051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131626051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027426051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2132226051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5027826051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5132826051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5028126051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5133326051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R5028426051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R5133926051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2026926051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131326051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027226051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2131826051
Pepper6
(Secured Missed Payments 0 in 12 months)
Product Code: R2027526051
Pepper6
(Remortgage only)
(Secured Missed Payments 0 in 12 months)
Product Code: R2132426051
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Incentives for Remortgages only ** All standard Residential Remortgages come with either £350 Cashback or Free Legals as standard
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 6 months |
| Default: | 0 registered in 6 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Try our Residential affordability calculator
Existing Customers (Remortgages only)
Pepper48 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 48 months never had a CCJ
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Existing Customer
Product Code: RR5034726051
Pepper48 Existing Customer
Product Code: RR2034426051
Pepper48 Existing Customer
Product Code: RR5034826051
Pepper48 Existing Customer
Product Code: RR2034526051
Pepper48 Existing Customer
Product Code: RR5034926051
Pepper48 Existing Customer
Product Code: RR2034626051
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36 Existing Customer
Product Code: RR5035326051
Pepper36 Existing Customer
Product Code: RR2035026051
Pepper36 Existing Customer
Product Code: RR5035426051
Pepper36 Existing Customer
Product Code: RR2035126051
Pepper36 Existing Customer
Product Code: RR5035526051
Pepper36 Existing Customer
Product Code: RR2035226051
One free standard valuation for properties valued up to £500,000, Free Legals available for existing Pepper customer products.
Pepper Flex Pepper Flex For more 'yes' decisions. Customers who are just outside of our standard criteria can pay an additional Flex completion fee of between £1,000 and £2,500.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 Existing Customer - (remortgage only)Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 Existing Customer
Product Code: RR5035926051
Pepper24 Existing Customer
Product Code: RR2035626051
Pepper24 Existing Customer
Product Code: RR5036026051
Pepper24 Existing Customer
Product Code: RR2035726051
Pepper24 Existing Customer
Product Code: RR5036126051
Pepper24 Existing Customer
Product Code: RR2035826051
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: RD5029426051
Pepper24 DMP
(Remortgage only)
Product Code: RD5135326051
Pepper24 DMP
Product Code: RD5029726051
Pepper24 DMP
(Remortgage only)
Product Code: RD5135626051
Pepper24 DMP
Product Code: RD3029126051
Pepper24 DMP
(Remortgage only)
Product Code: RD3135026051
Pepper24 DMP
Product Code: RD2028526051
Pepper24 DMP
(Remortgage only)
Product Code: RD2134126051
Pepper24 DMP
Product Code: RD2028826051
Pepper24 DMP
(Remortgage only)
Product Code: RD2134426051
Pepper24 DMP
Product Code: RD5029526051
Pepper24 DMP
(Remortgage only)
Product Code: RD5135426051
Pepper24 DMP
Product Code: RD5029826051
Pepper24 DMP
(Remortgage only)
Product Code: RD5135826051
Pepper24 DMP
Product Code: RD3029226051
Pepper24 DMP
(Remortgage only)
Product Code: RD3135126051
Pepper24 DMP
Product Code: RD2028626051
Pepper24 DMP
(Remortgage only)
Product Code: RD2134226051
Pepper24 DMP
Product Code: RD2028926051
Pepper24 DMP
(Remortgage only)
Product Code: RD2134626051
Pepper24 DMP
Product Code: RD5029626051
Pepper24 DMP
(Remortgage only)
Product Code: RD5135526051
Pepper24 DMP
Product Code: RD5029926051
Pepper24 DMP
(Remortgage only)
Product Code: RD5136026051
Pepper24 DMP
Product Code: RD3029326051
Pepper24 DMP
(Remortgage only)
Product Code: RD3135226051
Pepper24 DMP
Product Code: RD2028726051
Pepper24 DMP
(Remortgage only)
Product Code: RD2134326051
Pepper24 DMP
Product Code: RD2029026051
Pepper24 DMP
(Remortgage only)
Product Code: RD2134826051
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: RD5031226051
Pepper18 DMP
(Remortgage only)
Product Code: RD5137826051
Pepper18 DMP
Product Code: RD5031626051
Pepper18 DMP
(Remortgage only)
Product Code: RD5138226051
Pepper18 DMP
Product Code: RD3030826051
Pepper18 DMP
(Remortgage only)
Product Code: RD3137426051
Pepper18 DMP
Product Code: RD2030026051
Pepper18 DMP
(Remortgage only)
Product Code: RD2136226051
Pepper18 DMP
Product Code: RD2030426051
Pepper18 DMP
(Remortgage only)
Product Code: RD2136626051
Pepper18 DMP
Product Code: RD5031326051
Pepper18 DMP
(Remortgage only)
Product Code: RD5137926051
Pepper18 DMP
Product Code: RD5031726051
Pepper18 DMP
(Remortgage only)
Product Code: RD5138426051
Pepper18 DMP
Product Code: RD3030926051
Pepper18 DMP
(Remortgage only)
Product Code: RD3137526051
Pepper18 DMP
Product Code: RD2030126051
Pepper18 DMP
(Remortgage only)
Product Code: RD2136326051
Pepper18 DMP
Product Code: RD2030526051
Pepper18 DMP
(Remortgage only)
Product Code: RD2136826051
Pepper18 DMP
Product Code: RD5031426051
Pepper18 DMP
(Remortgage only)
Product Code: RD5138026051
Pepper18 DMP
Product Code: RD5031826051
Pepper18 DMP
(Remortgage only)
Product Code: RD5138626051
Pepper18 DMP
Product Code: RD3031026051
Pepper18 DMP
(Remortgage only)
Product Code: RD3137626051
Pepper18 DMP
Product Code: RD2030226051
Pepper18 DMP
(Remortgage only)
Product Code: RD2136426051
Pepper18 DMP
Product Code: RD2030626051
Pepper18 DMP
(Remortgage only)
Product Code: RD2137026051
Pepper18 DMP
Product Code: RD5031526051
Pepper18 DMP
(Remortgage only)
Product Code: RD5138126051
Pepper18 DMP
Product Code: RD5031926051
Pepper18 DMP
(Remortgage only)
Product Code: RD5138826051
Pepper18 DMP
Product Code: RD3031126051
Pepper18 DMP
(Remortgage only)
Product Code: RD3137726051
Pepper18 DMP
Product Code: RD2030326051
Pepper18 DMP
(Remortgage only)
Product Code: RD2136526051
Pepper18 DMP
Product Code: RD2030726051
Pepper18 DMP
(Remortgage only)
Product Code: RD2137226051
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: RD5033226051
Pepper12 DMP
(Remortgage only)
Product Code: RD5140626051
Pepper12 DMP
Product Code: RD5033626051
Pepper12 DMP
(Remortgage only)
Product Code: RD5141026051
Pepper12 DMP
Product Code: RD3032826051
Pepper12 DMP
(Remortgage only)
Product Code: RD3140226051
Pepper12 DMP
Product Code: RD2032026051
Pepper12 DMP
(Remortgage only)
Product Code: RD2139026051
Pepper12 DMP
Product Code: RD2032426051
Pepper12 DMP
(Remortgage only)
Product Code: RD2139426051
Pepper12 DMP
Product Code: RD5033326051
Pepper12 DMP
(Remortgage only)
Product Code: RD5140726051
Pepper12 DMP
Product Code: RD5033726051
Pepper12 DMP
(Remortgage only)
Product Code: RD5141226051
Pepper12 DMP
Product Code: RD3032926051
Pepper12 DMP
(Remortgage only)
Product Code: RD3140326051
Pepper12 DMP
Product Code: RD2032126051
Pepper12 DMP
(Remortgage only)
Product Code: RD2139126051
Pepper12 DMP
Product Code: RD2032526051
Pepper12 DMP
(Remortgage only)
Product Code: RD2139626051
Pepper12 DMP
Product Code: RD5033426051
Pepper12 DMP
(Remortgage only)
Product Code: RD5140826051
Pepper12 DMP
Product Code: RD5033826051
Pepper12 DMP
(Remortgage only)
Product Code: RD5141426051
Pepper12 DMP
Product Code: RD3033026051
Pepper12 DMP
(Remortgage only)
Product Code: RD3140426051
Pepper12 DMP
Product Code: RD2032226051
Pepper12 DMP
(Remortgage only)
Product Code: RD2139226051
Pepper12 DMP
Product Code: RD2032626051
Pepper12 DMP
(Remortgage only)
Product Code: RD2139826051
Pepper12 DMP
Product Code: RD5033526051
Pepper12 DMP
(Remortgage only)
Product Code: RD5140926051
Pepper12 DMP
Product Code: RD5033926051
Pepper12 DMP
(Remortgage only)
Product Code: RD5141626051
Pepper12 DMP
Product Code: RD3033126051
Pepper12 DMP
(Remortgage only)
Product Code: RD3140526051
Pepper12 DMP
Product Code: RD2032326051
Pepper12 DMP
(Remortgage only)
Product Code: RD2139326051
Pepper12 DMP
Product Code: RD2032726051
Pepper12 DMP
(Remortgage only)
Product Code: RD2140026051
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: RB5034126051
Pepper24 Bankruptcy and IVA
Product Code: RB2034026051
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: RB5034326051
Pepper12 Bankruptcy and IVA
Product Code: RB2034226051
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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