Second Charge Mortgage Criteria

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Full Criteria

Comprehensive criteria for our Second Charge mortgage range

Second charge mortgages are a solution for many customers in a variety of situations and circumstances. As a responsible lender Pepper Money will only lend to customers who, as a result of the application process, we believe have the ability and intention to repay the second charge mortgage.

SECOND CHARGE MORTGAGES

How we can help you

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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Lending criteria at a glance

No ERC products available

No valuation products available

Repayment periods up to 30 years

Self-employed, employed, contractor income

Competitive rates and flexible overpayment options

Borrow up to £1,000,000

Min property value £75,000

Pepper Money could offer your client a second charge mortgage of any amount from £5,000 to £1,000,000.

We can offer a repayment term of 3 to 30 years subject to your clients individual circumstances and credit checks.

We offer competitive fixed, discounted and variable rate products. The actual rate we offer will depend on your clients individual and personal circumstances.

We offer flexible overpayment options, without penalty, which allow you to either reduce the term of your clients second charge mortgage, or reduce their monthly repayments, whichever suits their circumstances, firmly putting them in control.

You can expect a straightforward, customer friendly approach both during your application process and after completion of your clients second charge mortgage.

Need help with your mortgage case?

To discuss a case, or find out more about our products, call our experienced team. Ready to submit? Log into the application portal to get started, or register if it’s your first case with Pepper Money.

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03333 701 101

OUR BDMs

Lending criteria at a glance

Market leading lender

The majority of cases will not require valuation

No matrix - each customers product is based on their individual circumstances

Flexible approach to underwriting

Ability to overpay without penalties

Referrals

If a case falls outside our standard criteria we may still be able to help.

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