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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, 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.

Up to 85% LTV

Available up to 85% LTV

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

Capital raising up to max LTV

Raise capital for any legal purpose, including debt consolidation up to our 85% LTV

Helping the self-employed

One year’s self-employed trading or most recent year's accounts accepted

Boosting affordability

Multiple income streams and 100% of monthly bonuses, overtime & commission accepted. Plus, maximum term of 40yrs

Residential Mortgage Products Rates & Criteria

We’ve made finding the right product for your customer even easier. You can either view the product tables below or use our product finder to help narrow down your search.

Pepper Residential

Pepper48 Light- Suitable for customers that haven’t had a Default in the last 48 months and who have never had a CCJ

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper48 Light

Product Code: R54680

5 Years
Free Legals
–
75%
5.74%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54671

5 Years
Cashback
–
75%
5.74%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54677

5 Years
Free Legals
Free Valuation
75%
5.89%
£795
3.90%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54668

5 Years
Cashback
Free Valuation
75%
5.89%
£795
3.90%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54665

5 Years
Cashback
Free Valuation
75%
6.04%
£0
3.90%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54674

5 Years
Free Legals
Free Valuation
75%
6.04%
£0
3.90%
4%,4%,3%,3%,2%

Pepper48 Light Limited Edition

Product Code: R30527

3 Years
Cashback
Free Valuation
75%
5.94%
£1495
3.90%
3%,2%,1%

Pepper48 Light Limited Edition

Product Code: R30530

3 Years
Free Legals
Free Valuation
75%
5.94%
£1495
3.90%
3%,2%,1%

Pepper48 Light

Product Code: R24976

2 Years
Free Legals
–
75%
6.04%
£1495
3.90%
3%,2%

Pepper48 Light

Product Code: R24967

2 Years
Cashback
–
75%
6.04%
£1495
3.90%
3%,2%

Pepper48 Light

Product Code: R24973

2 Years
Free Legals
Free Valuation
75%
6.19%
£795
3.90%
3%,2%

Pepper48 Light

Product Code: R24964

2 Years
Cashback
Free Valuation
75%
6.19%
£795
3.90%
3%,2%

Pepper48 Light

Product Code: R24970

2 Years
Free Legals
Free Valuation
75%
6.34%
£0
3.90%
3%,2%

Pepper48 Light

Product Code: R24961

2 Years
Cashback
Free Valuation
75%
6.34%
£0
3.90%
3%,2%

Pepper48 Light

Product Code: R54672

5 Years
Cashback
–
80%
6.14%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54681

5 Years
Free Legals
–
80%
6.14%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54669

5 Years
Cashback
Free Valuation
80%
6.29%
£795
4.15%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54678

5 Years
Free Legals
Free Valuation
80%
6.29%
£795
4.15%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54666

5 Years
Cashback
Free Valuation
80%
6.44%
£0
4.15%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54675

5 Years
Free Legals
Free Valuation
80%
6.44%
£0
4.15%
4%,4%,3%,3%,2%

Pepper48 Light Limited Edition

Product Code: R30531

3 Years
Free Legals
Free Valuation
80%
6.34%
£1495
4.15%
3%,2%,1%

Pepper48 Light Limited Edition

Product Code: R30528

3 Years
Cashback
Free Valuation
80%
6.34%
£1495
4.15%
3%,2%,1%

Pepper48 Light

Product Code: R24977

2 Years
Free Legals
–
80%
6.44%
£1495
4.15%
3%,2%

Pepper48 Light

Product Code: R24968

2 Years
Cashback
–
80%
6.44%
£1495
4.15%
3%,2%

Pepper48 Light

Product Code: R24965

2 Years
Cashback
Free Valuation
80%
6.59%
£795
4.15%
3%,2%

Pepper48 Light

Product Code: R24974

2 Years
Free Legals
Free Valuation
80%
6.59%
£795
4.15%
3%,2%

Pepper48 Light

Product Code: R24962

2 Years
Cashback
Free Valuation
80%
6.74%
£0
4.15%
3%,2%

Pepper48 Light

Product Code: R24971

2 Years
Free Legals
Free Valuation
80%
6.74%
£0
4.15%
3%,2%

Pepper48 Light

Product Code: R54682

5 Years
Free Legals
–
85%
6.54%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54673

5 Years
Cashback
–
85%
6.54%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54670

5 Years
Cashback
Free Valuation
85%
6.69%
£795
4.40%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54679

5 Years
Free Legals
Free Valuation
85%
6.69%
£795
4.40%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54676

5 Years
Free Legals
Free Valuation
85%
6.84%
£0
4.40%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54667

5 Years
Cashback
Free Valuation
85%
6.84%
£0
4.40%
4%,4%,3%,3%,2%

Pepper48 Light Limited Edition

Product Code: R30529

3 Years
Cashback
Free Valuation
85%
6.74%
£1495
4.40%
3%,2%,1%

Pepper48 Light Limited Edition

Product Code: R30532

3 Years
Free Legals
Free Valuation
85%
6.74%
£1495
4.40%
3%,2%,1%

Pepper48 Light

Product Code: R24978

2 Years
Free Legals
–
85%
6.84%
£1495
4.40%
3%,2%

Pepper48 Light

Product Code: R24969

2 Years
Cashback
–
85%
6.84%
£1495
4.40%
3%,2%

Pepper48 Light

Product Code: R24975

2 Years
Free Legals
Free Valuation
85%
6.99%
£795
4.40%
3%,2%

Pepper48 Light

Product Code: R24966

2 Years
Cashback
Free Valuation
85%
6.99%
£795
4.40%
3%,2%

Pepper48 Light

Product Code: R24972

2 Years
Free Legals
Free Valuation
85%
7.14%
£0
4.40%
3%,2%

Pepper48 Light

Product Code: R24963

2 Years
Cashback
Free Valuation
85%
7.14%
£0
4.40%
3%,2%

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

Pepper48 - Suitable for customers that haven’t had a CCJ or Default in the last 48 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper48

Product Code: R54698

5 Years
Free Legals
–
75%
5.84%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54689

5 Years
Cashback
–
75%
5.84%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54695

5 Years
Free Legals
Free Valuation
75%
5.99%
£795
3.90%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54686

5 Years
Cashback
Free Valuation
75%
5.99%
£795
3.90%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54683

5 Years
Cashback
Free Valuation
75%
6.14%
£0
3.90%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54692

5 Years
Free Legals
Free Valuation
75%
6.14%
£0
3.90%
4%,4%,3%,3%,2%

Pepper48 Limited Edition

Product Code: R30533

3 Years
Cashback
Free Valuation
75%
6.04%
£1495
3.90%
3%,2%,1%

Pepper48 Limited Edition

Product Code: R30536

3 Years
Free Legals
Free Valuation
75%
6.04%
£1495
3.90%
3%,2%,1%

Pepper48

Product Code: R24994

2 Years
Free Legals
–
75%
6.14%
£1495
3.90%
3%,2%

Pepper48

Product Code: R24985

2 Years
Cashback
–
75%
6.14%
£1495
3.90%
3%,2%

Pepper48

Product Code: R24991

2 Years
Free Legals
Free Valuation
75%
6.29%
£795
3.90%
3%,2%

Pepper48

Product Code: R24982

2 Years
Cashback
Free Valuation
75%
6.29%
£795
3.90%
3%,2%

Pepper48

Product Code: R24988

2 Years
Free Legals
Free Valuation
75%
6.44%
£0
3.90%
3%,2%

Pepper48

Product Code: R24979

2 Years
Cashback
Free Valuation
75%
6.44%
£0
3.90%
3%,2%

Pepper48

Product Code: R54690

5 Years
Cashback
–
80%
6.24%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54699

5 Years
Free Legals
–
80%
6.24%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54687

5 Years
Cashback
Free Valuation
80%
6.39%
£795
4.15%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54696

5 Years
Free Legals
Free Valuation
80%
6.39%
£795
4.15%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54684

5 Years
Cashback
Free Valuation
80%
6.54%
£0
4.15%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54693

5 Years
Free Legals
Free Valuation
80%
6.54%
£0
4.15%
4%,4%,3%,3%,2%

Pepper48 Limited Edition

Product Code: R30537

3 Years
Free Legals
Free Valuation
80%
6.44%
£1495
4.15%
3%,2%,1%

Pepper48 Limited Edition

Product Code: R30534

3 Years
Cashback
Free Valuation
80%
6.44%
£1495
4.15%
3%,2%,1%

Pepper48

Product Code: R24995

2 Years
Free Legals
–
80%
6.54%
£1495
4.15%
3%,2%

Pepper48

Product Code: R24986

2 Years
Cashback
–
80%
6.54%
£1495
4.15%
3%,2%

Pepper48

Product Code: R24983

2 Years
Cashback
Free Valuation
80%
6.69%
£795
4.15%
3%,2%

Pepper48

Product Code: R24992

2 Years
Free Legals
Free Valuation
80%
6.69%
£795
4.15%
3%,2%

Pepper48

Product Code: R24980

2 Years
Cashback
Free Valuation
80%
6.84%
£0
4.15%
3%,2%

Pepper48

Product Code: R24989

2 Years
Free Legals
Free Valuation
80%
6.84%
£0
4.15%
3%,2%

Pepper48

Product Code: R54700

5 Years
Free Legals
–
85%
6.64%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54691

5 Years
Cashback
–
85%
6.64%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54688

5 Years
Cashback
Free Valuation
85%
6.79%
£795
4.40%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54697

5 Years
Free Legals
Free Valuation
85%
6.79%
£795
4.40%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54694

5 Years
Free Legals
Free Valuation
85%
6.94%
£0
4.40%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54685

5 Years
Cashback
Free Valuation
85%
6.94%
£0
4.40%
4%,4%,3%,3%,2%

Pepper48 Limited Edition

Product Code: R30535

3 Years
Cashback
Free Valuation
85%
6.84%
£1495
4.40%
3%,2%,1%

Pepper48 Limited Edition

Product Code: R30538

3 Years
Free Legals
Free Valuation
85%
6.84%
£1495
4.40%
3%,2%,1%

Pepper48

Product Code: R24996

2 Years
Free Legals
–
85%
6.94%
£1495
4.40%
3%,2%

Pepper48

Product Code: R24987

2 Years
Cashback
–
85%
6.94%
£1495
4.40%
3%,2%

Pepper48

Product Code: R24993

2 Years
Free Legals
Free Valuation
85%
7.09%
£795
4.40%
3%,2%

Pepper48

Product Code: R24984

2 Years
Cashback
Free Valuation
85%
7.09%
£795
4.40%
3%,2%

Pepper48

Product Code: R24990

2 Years
Free Legals
Free Valuation
85%
7.24%
£0
4.40%
3%,2%

Pepper48

Product Code: R24981

2 Years
Cashback
Free Valuation
85%
7.24%
£0
4.40%
3%,2%

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

Pepper36 Light - Suitable for customers that haven’t had a Default in the last 36 months and who have never had a CCJ

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper36 Light

Product Code: R54716

5 Years
Free Legals
–
75%
6.04%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54707

5 Years
Cashback
–
75%
6.04%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54713

5 Years
Free Legals
Free Valuation
75%
6.19%
£795
3.90%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54704

5 Years
Cashback
Free Valuation
75%
6.19%
£795
3.90%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54701

5 Years
Cashback
Free Valuation
75%
6.34%
£0
3.90%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54710

5 Years
Free Legals
Free Valuation
75%
6.34%
£0
3.90%
4%,4%,3%,3%,2%

Pepper36 Light Limited Edition

Product Code: R30539

3 Years
Cashback
Free Valuation
75%
6.24%
£1495
3.90%
3%,2%,1%

Pepper36 Light Limited Edition

Product Code: R30542

3 Years
Free Legals
Free Valuation
75%
6.24%
£1495
3.90%
3%,2%,1%

Pepper36 Light

Product Code: R25012

2 Years
Free Legals
–
75%
6.34%
£1495
3.90%
3%,2%

Pepper36 Light

Product Code: R25003

2 Years
Cashback
–
75%
6.34%
£1495
3.90%
3%,2%

Pepper36 Light

Product Code: R25009

2 Years
Free Legals
Free Valuation
75%
6.49%
£795
3.90%
3%,2%

Pepper36 Light

Product Code: R25000

2 Years
Cashback
Free Valuation
75%
6.49%
£795
3.90%
3%,2%

Pepper36 Light

Product Code: R25006

2 Years
Free Legals
Free Valuation
75%
6.64%
£0
3.90%
3%,2%

Pepper36 Light

Product Code: R24997

2 Years
Cashback
Free Valuation
75%
6.64%
£0
3.90%
3%,2%

Pepper36 Light

Product Code: R54708

5 Years
Cashback
–
80%
6.24%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54717

5 Years
Free Legals
–
80%
6.24%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54705

5 Years
Cashback
Free Valuation
80%
6.39%
£795
4.15%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54714

5 Years
Free Legals
Free Valuation
80%
6.39%
£795
4.15%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54702

5 Years
Cashback
Free Valuation
80%
6.54%
£0
4.15%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54711

5 Years
Free Legals
Free Valuation
80%
6.54%
£0
4.15%
4%,4%,3%,3%,2%

Pepper36 Light Limited Edition

Product Code: R30543

3 Years
Free Legals
Free Valuation
80%
6.44%
£1495
4.15%
3%,2%,1%

Pepper36 Light Limited Edition

Product Code: R30540

3 Years
Cashback
Free Valuation
80%
6.44%
£1495
4.15%
3%,2%,1%

Pepper36 Light

Product Code: R25013

2 Years
Free Legals
–
80%
6.54%
£1495
4.15%
3%,2%

Pepper36 Light

Product Code: R25004

2 Years
Cashback
–
80%
6.54%
£1495
4.15%
3%,2%

Pepper36 Light

Product Code: R25001

2 Years
Cashback
Free Valuation
80%
6.69%
£795
4.15%
3%,2%

Pepper36 Light

Product Code: R25010

2 Years
Free Legals
Free Valuation
80%
6.69%
£795
4.15%
3%,2%

Pepper36 Light

Product Code: R24998

2 Years
Cashback
Free Valuation
80%
6.84%
£0
4.15%
3%,2%

Pepper36 Light

Product Code: R25007

2 Years
Free Legals
Free Valuation
80%
6.84%
£0
4.15%
3%,2%

Pepper36 Light

Product Code: R54718

5 Years
Free Legals
–
85%
6.69%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54709

5 Years
Cashback
–
85%
6.69%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54706

5 Years
Cashback
Free Valuation
85%
6.84%
£795
4.40%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54715

5 Years
Free Legals
Free Valuation
85%
6.84%
£795
4.40%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54712

5 Years
Free Legals
Free Valuation
85%
6.99%
£0
4.40%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54703

5 Years
Cashback
Free Valuation
85%
6.99%
£0
4.40%
4%,4%,3%,3%,2%

Pepper36 Light Limited Edition

Product Code: R30541

3 Years
Cashback
Free Valuation
85%
6.84%
£1495
4.40%
3%,2%,1%

Pepper36 Light Limited Edition

Product Code: R30544

3 Years
Free Legals
Free Valuation
85%
6.84%
£1495
4.40%
3%,2%,1%

Pepper36 Light

Product Code: R25014

2 Years
Free Legals
–
85%
6.99%
£1495
4.40%
3%,2%

Pepper36 Light

Product Code: R25005

2 Years
Cashback
–
85%
6.99%
£1495
4.40%
3%,2%

Pepper36 Light

Product Code: R25011

2 Years
Free Legals
Free Valuation
85%
7.14%
£795
4.40%
3%,2%

Pepper36 Light

Product Code: R25002

2 Years
Cashback
Free Valuation
85%
7.14%
£795
4.40%
3%,2%

Pepper36 Light

Product Code: R25008

2 Years
Free Legals
Free Valuation
85%
7.29%
£0
4.40%
3%,2%

Pepper36 Light

Product Code: R24999

2 Years
Cashback
Free Valuation
85%
7.29%
£0
4.40%
3%,2%

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

Pepper36 - Suitable for customers that haven’t had a CCJ or Default in the last 36 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper36

Product Code: R54734

5 Years
Free Legals
–
75%
6.14%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54725

5 Years
Cashback
–
75%
6.14%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54731

5 Years
Free Legals
Free Valuation
75%
6.29%
£795
3.90%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54722

5 Years
Cashback
Free Valuation
75%
6.29%
£795
3.90%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54719

5 Years
Cashback
Free Valuation
75%
6.44%
£0
3.90%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54728

5 Years
Free Legals
Free Valuation
75%
6.44%
£0
3.90%
4%,4%,3%,3%,2%

Pepper36 Limited Edition

Product Code: R30545

3 Years
Cashback
Free Valuation
75%
6.34%
£1495
3.90%
3%,2%,1%

Pepper36 Limited Edition

Product Code: R30548

3 Years
Free Legals
Free Valuation
75%
6.34%
£1495
3.90%
3%,2%,1%

Pepper36

Product Code: R25030

2 Years
Free Legals
–
75%
6.44%
£1495
3.90%
3%,2%

Pepper36

Product Code: R25021

2 Years
Cashback
–
75%
6.44%
£1495
3.90%
3%,2%

Pepper36

Product Code: R25027

2 Years
Free Legals
Free Valuation
75%
6.59%
£795
3.90%
3%,2%

Pepper36

Product Code: R25018

2 Years
Cashback
Free Valuation
75%
6.59%
£795
3.90%
3%,2%

Pepper36

Product Code: R25024

2 Years
Free Legals
Free Valuation
75%
6.74%
£0
3.90%
3%,2%

Pepper36

Product Code: R25015

2 Years
Cashback
Free Valuation
75%
6.74%
£0
3.90%
3%,2%

Pepper36

Product Code: R54726

5 Years
Cashback
–
80%
6.34%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54735

5 Years
Free Legals
–
80%
6.34%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54723

5 Years
Cashback
Free Valuation
80%
6.49%
£795
4.15%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54732

5 Years
Free Legals
Free Valuation
80%
6.49%
£795
4.15%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54720

5 Years
Cashback
Free Valuation
80%
6.64%
£0
4.15%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54729

5 Years
Free Legals
Free Valuation
80%
6.64%
£0
4.15%
4%,4%,3%,3%,2%

Pepper36 Limited Edition

Product Code: R30549

3 Years
Free Legals
Free Valuation
80%
6.54%
£1495
4.15%
3%,2%,1%

Pepper36 Limited Edition

Product Code: R30546

3 Years
Cashback
Free Valuation
80%
6.54%
£1495
4.15%
3%,2%,1%

Pepper36

Product Code: R25031

2 Years
Free Legals
–
80%
6.64%
£1495
4.15%
3%,2%

Pepper36

Product Code: R25022

2 Years
Cashback
–
80%
6.64%
£1495
4.15%
3%,2%

Pepper36

Product Code: R25019

2 Years
Cashback
Free Valuation
80%
6.79%
£795
4.15%
3%,2%

Pepper36

Product Code: R25028

2 Years
Free Legals
Free Valuation
80%
6.79%
£795
4.15%
3%,2%

Pepper36

Product Code: R25016

2 Years
Cashback
Free Valuation
80%
6.94%
£0
4.15%
3%,2%

Pepper36

Product Code: R25025

2 Years
Free Legals
Free Valuation
80%
6.94%
£0
4.15%
3%,2%

Pepper36

Product Code: R54736

5 Years
Free Legals
–
85%
6.79%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54727

5 Years
Cashback
–
85%
6.79%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54724

5 Years
Cashback
Free Valuation
85%
6.94%
£795
4.40%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54733

5 Years
Free Legals
Free Valuation
85%
6.94%
£795
4.40%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54730

5 Years
Free Legals
Free Valuation
85%
7.09%
£0
4.40%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54721

5 Years
Cashback
Free Valuation
85%
7.09%
£0
4.40%
4%,4%,3%,3%,2%

Pepper36 Limited Edition

Product Code: R30547

3 Years
Cashback
Free Valuation
85%
6.94%
£1495
4.40%
3%,2%,1%

Pepper36 Limited Edition

Product Code: R30550

3 Years
Free Legals
Free Valuation
85%
6.94%
£1495
4.40%
3%,2%,1%

Pepper36

Product Code: R25032

2 Years
Free Legals
–
85%
7.09%
£1495
4.40%
3%,2%

Pepper36

Product Code: R25023

2 Years
Cashback
–
85%
7.09%
£1495
4.40%
3%,2%

Pepper36

Product Code: R25029

2 Years
Free Legals
Free Valuation
85%
7.24%
£795
4.40%
3%,2%

Pepper36

Product Code: R25020

2 Years
Cashback
Free Valuation
85%
7.24%
£795
4.40%
3%,2%

Pepper36

Product Code: R25026

2 Years
Free Legals
Free Valuation
85%
7.39%
£0
4.40%
3%,2%

Pepper36

Product Code: R25017

2 Years
Cashback
Free Valuation
85%
7.39%
£0
4.40%
3%,2%

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

Pepper24 Light - Suitable for customers that haven’t had a Default in the last 24 months and who have never had a CCJ

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper24 Light

Product Code: R54752

5 Years
Free Legals
–
75%
6.24%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54743

5 Years
Cashback
–
75%
6.24%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54749

5 Years
Free Legals
Free Valuation
75%
6.39%
£795
3.90%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54740

5 Years
Cashback
Free Valuation
75%
6.39%
£795
3.90%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54737

5 Years
Cashback
Free Valuation
75%
6.54%
£0
3.90%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54746

5 Years
Free Legals
Free Valuation
75%
6.54%
£0
3.90%
4%,4%,3%,3%,2%

Pepper24 Light Limited Edition

Product Code: R30551

3 Years
Cashback
Free Valuation
75%
6.44%
£1495
3.90%
3%,2%,1%

Pepper24 Light Limited Edition

Product Code: R30554

3 Years
Free Legals
Free Valuation
75%
6.44%
£1495
3.90%
3%,2%,1%

Pepper24 Light

Product Code: R25048

2 Years
Free Legals
–
75%
6.54%
£1495
3.90%
3%,2%

Pepper24 Light

Product Code: R25039

2 Years
Cashback
–
75%
6.54%
£1495
3.90%
3%,2%

Pepper24 Light

Product Code: R25045

2 Years
Free Legals
Free Valuation
75%
6.69%
£795
3.90%
3%,2%

Pepper24 Light

Product Code: R25036

2 Years
Cashback
Free Valuation
75%
6.69%
£795
3.90%
3%,2%

Pepper24 Light

Product Code: R25042

2 Years
Free Legals
Free Valuation
75%
6.84%
£0
3.90%
3%,2%

Pepper24 Light

Product Code: R25033

2 Years
Cashback
Free Valuation
75%
6.84%
£0
3.90%
3%,2%

Pepper24 Light

Product Code: R54744

5 Years
Cashback
–
80%
6.39%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54753

5 Years
Free Legals
–
80%
6.39%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54741

5 Years
Cashback
Free Valuation
80%
6.54%
£795
4.15%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54750

5 Years
Free Legals
Free Valuation
80%
6.54%
£795
4.15%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54738

5 Years
Cashback
Free Valuation
80%
6.69%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54747

5 Years
Free Legals
Free Valuation
80%
6.69%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24 Light Limited Edition

Product Code: R30555

3 Years
Free Legals
Free Valuation
80%
6.59%
£1495
4.15%
3%,2%,1%

Pepper24 Light Limited Edition

Product Code: R30552

3 Years
Cashback
Free Valuation
80%
6.59%
£1495
4.15%
3%,2%,1%

Pepper24 Light

Product Code: R25049

2 Years
Free Legals
–
80%
6.69%
£1495
4.15%
3%,2%

Pepper24 Light

Product Code: R25040

2 Years
Cashback
–
80%
6.69%
£1495
4.15%
3%,2%

Pepper24 Light

Product Code: R25037

2 Years
Cashback
Free Valuation
80%
6.84%
£795
4.15%
3%,2%

Pepper24 Light

Product Code: R25046

2 Years
Free Legals
Free Valuation
80%
6.84%
£795
4.15%
3%,2%

Pepper24 Light

Product Code: R25034

2 Years
Cashback
Free Valuation
80%
6.99%
£0
4.15%
3%,2%

Pepper24 Light

Product Code: R25043

2 Years
Free Legals
Free Valuation
80%
6.99%
£0
4.15%
3%,2%

Pepper24 Light

Product Code: R54754

5 Years
Free Legals
–
85%
7.04%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54745

5 Years
Cashback
–
85%
7.04%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54742

5 Years
Cashback
Free Valuation
85%
7.19%
£795
4.40%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54751

5 Years
Free Legals
Free Valuation
85%
7.19%
£795
4.40%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54748

5 Years
Free Legals
Free Valuation
85%
7.34%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R54739

5 Years
Cashback
Free Valuation
85%
7.34%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24 Light Limited Edition

Product Code: R30553

3 Years
Cashback
Free Valuation
85%
7.34%
£1495
4.40%
3%,2%,1%

Pepper24 Light Limited Edition

Product Code: R30556

3 Years
Free Legals
Free Valuation
85%
7.34%
£1495
4.40%
3%,2%,1%

Pepper24 Light

Product Code: R25050

2 Years
Free Legals
–
85%
7.44%
£1495
4.40%
3%,2%

Pepper24 Light

Product Code: R25041

2 Years
Cashback
–
85%
7.44%
£1495
4.40%
3%,2%

Pepper24 Light

Product Code: R25047

2 Years
Free Legals
Free Valuation
85%
7.59%
£795
4.40%
3%,2%

Pepper24 Light

Product Code: R25038

2 Years
Cashback
Free Valuation
85%
7.59%
£795
4.40%
3%,2%

Pepper24 Light

Product Code: R25044

2 Years
Free Legals
Free Valuation
85%
7.74%
£0
4.40%
3%,2%

Pepper24 Light

Product Code: R25035

2 Years
Cashback
Free Valuation
85%
7.74%
£0
4.40%
3%,2%

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

Pepper24 - Suitable for customers that haven’t had a CCJ or Default in the last 24 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper24

Product Code: R54770

5 Years
Free Legals
–
75%
6.34%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54761

5 Years
Cashback
–
75%
6.34%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54767

5 Years
Free Legals
Free Valuation
75%
6.49%
£795
3.90%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54758

5 Years
Cashback
Free Valuation
75%
6.49%
£795
3.90%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54755

5 Years
Cashback
Free Valuation
75%
6.64%
£0
3.90%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54764

5 Years
Free Legals
Free Valuation
75%
6.64%
£0
3.90%
4%,4%,3%,3%,2%

Pepper24 Limited Edition

Product Code: R30557

3 Years
Cashback
Free Valuation
75%
6.54%
£1495
3.90%
3%,2%,1%

Pepper24 Limited Edition

Product Code: R30560

3 Years
Free Legals
Free Valuation
75%
6.54%
£1495
3.90%
3%,2%,1%

Pepper24

Product Code: R25066

2 Years
Free Legals
–
75%
6.64%
£1495
3.90%
3%,2%

Pepper24

Product Code: R25057

2 Years
Cashback
–
75%
6.64%
£1495
3.90%
3%,2%

Pepper24

Product Code: R25063

2 Years
Free Legals
Free Valuation
75%
6.79%
£795
3.90%
3%,2%

Pepper24

Product Code: R25054

2 Years
Cashback
Free Valuation
75%
6.79%
£795
3.90%
3%,2%

Pepper24

Product Code: R25060

2 Years
Free Legals
Free Valuation
75%
6.94%
£0
3.90%
3%,2%

Pepper24

Product Code: R25051

2 Years
Cashback
Free Valuation
75%
6.94%
£0
3.90%
3%,2%

Pepper24

Product Code: R54762

5 Years
Cashback
–
80%
6.49%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54771

5 Years
Free Legals
–
80%
6.49%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54759

5 Years
Cashback
Free Valuation
80%
6.64%
£795
4.15%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54768

5 Years
Free Legals
Free Valuation
80%
6.64%
£795
4.15%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54756

5 Years
Cashback
Free Valuation
80%
6.79%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54765

5 Years
Free Legals
Free Valuation
80%
6.79%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24 Limited Edition

Product Code: R30561

3 Years
Free Legals
Free Valuation
80%
6.69%
£1495
4.15%
3%,2%,1%

Pepper24 Limited Edition

Product Code: R30558

3 Years
Cashback
Free Valuation
80%
6.69%
£1495
4.15%
3%,2%,1%

Pepper24

Product Code: R25067

2 Years
Free Legals
–
80%
6.79%
£1495
4.15%
3%,2%

Pepper24

Product Code: R25058

2 Years
Cashback
–
80%
6.79%
£1495
4.15%
3%,2%

Pepper24

Product Code: R25055

2 Years
Cashback
Free Valuation
80%
6.94%
£795
4.15%
3%,2%

Pepper24

Product Code: R25064

2 Years
Free Legals
Free Valuation
80%
6.94%
£795
4.15%
3%,2%

Pepper24

Product Code: R25052

2 Years
Cashback
Free Valuation
80%
7.09%
£0
4.15%
3%,2%

Pepper24

Product Code: R25061

2 Years
Free Legals
Free Valuation
80%
7.09%
£0
4.15%
3%,2%

Pepper24

Product Code: R54772

5 Years
Free Legals
–
85%
7.14%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54763

5 Years
Cashback
–
85%
7.14%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54760

5 Years
Cashback
Free Valuation
85%
7.29%
£795
4.40%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54769

5 Years
Free Legals
Free Valuation
85%
7.29%
£795
4.40%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54766

5 Years
Free Legals
Free Valuation
85%
7.44%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24

Product Code: R54757

5 Years
Cashback
Free Valuation
85%
7.44%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24 Limited Edition

Product Code: R30559

3 Years
Cashback
Free Valuation
85%
7.44%
£1495
4.40%
3%,2%,1%

Pepper24 Limited Edition

Product Code: R30562

3 Years
Free Legals
Free Valuation
85%
7.44%
£1495
4.40%
3%,2%,1%

Pepper24

Product Code: R25068

2 Years
Free Legals
–
85%
7.54%
£1495
4.40%
3%,2%

Pepper24

Product Code: R25059

2 Years
Cashback
–
85%
7.54%
£1495
4.40%
3%,2%

Pepper24

Product Code: R25065

2 Years
Free Legals
Free Valuation
85%
7.69%
£795
4.40%
3%,2%

Pepper24

Product Code: R25056

2 Years
Cashback
Free Valuation
85%
7.69%
£795
4.40%
3%,2%

Pepper24

Product Code: R25062

2 Years
Free Legals
Free Valuation
85%
7.84%
£0
4.40%
3%,2%

Pepper24

Product Code: R25053

2 Years
Cashback
Free Valuation
85%
7.84%
£0
4.40%
3%,2%

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

Pepper18 Light - Suitable for customers that haven’t had a Default in the last 18 months and who have never had a CCJ

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper18 Light

Product Code: R54793

5 Years
Free Legals
–
70%
6.45%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54781

5 Years
Cashback
–
70%
6.45%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54789

5 Years
Free Legals
Free Valuation
70%
6.60%
£795
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54777

5 Years
Cashback
Free Valuation
70%
6.60%
£795
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54785

5 Years
Free Legals
Free Valuation
70%
6.75%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54773

5 Years
Cashback
Free Valuation
70%
6.75%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R25077

2 Years
Cashback
–
70%
6.70%
£1495
4.05%
3%,2%

Pepper18 Light

Product Code: R25089

2 Years
Free Legals
–
70%
6.70%
£1495
4.05%
3%,2%

Pepper18 Light

Product Code: R25085

2 Years
Free Legals
Free Valuation
70%
6.85%
£795
4.05%
3%,2%

Pepper18 Light

Product Code: R25073

2 Years
Cashback
Free Valuation
70%
6.85%
£795
4.05%
3%,2%

Pepper18 Light

Product Code: R25081

2 Years
Free Legals
Free Valuation
70%
7.00%
£0
4.05%
3%,2%

Pepper18 Light

Product Code: R25069

2 Years
Cashback
Free Valuation
70%
7.00%
£0
4.05%
3%,2%

Pepper18 Light

Product Code: R54782

5 Years
Cashback
–
75%
6.50%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54794

5 Years
Free Legals
–
75%
6.50%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54778

5 Years
Cashback
Free Valuation
75%
6.65%
£795
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54790

5 Years
Free Legals
Free Valuation
75%
6.65%
£795
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54774

5 Years
Cashback
Free Valuation
75%
6.80%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54786

5 Years
Free Legals
Free Valuation
75%
6.80%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R25078

2 Years
Cashback
–
75%
6.75%
£1495
4.20%
3%,2%

Pepper18 Light

Product Code: R25090

2 Years
Free Legals
–
75%
6.75%
£1495
4.20%
3%,2%

Pepper18 Light

Product Code: R25086

2 Years
Free Legals
Free Valuation
75%
6.90%
£795
4.20%
3%,2%

Pepper18 Light

Product Code: R25074

2 Years
Cashback
Free Valuation
75%
6.90%
£795
4.20%
3%,2%

Pepper18 Light

Product Code: R25082

2 Years
Free Legals
Free Valuation
75%
7.05%
£0
4.20%
3%,2%

Pepper18 Light

Product Code: R25070

2 Years
Cashback
Free Valuation
75%
7.05%
£0
4.20%
3%,2%

Pepper18 Light

Product Code: R54795

5 Years
Free Legals
–
80%
6.80%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54783

5 Years
Cashback
–
80%
6.80%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54791

5 Years
Free Legals
Free Valuation
80%
6.95%
£795
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54779

5 Years
Cashback
Free Valuation
80%
6.95%
£795
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54775

5 Years
Cashback
Free Valuation
80%
7.10%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54787

5 Years
Free Legals
Free Valuation
80%
7.10%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R25079

2 Years
Cashback
–
80%
7.15%
£1495
4.45%
3%,2%

Pepper18 Light

Product Code: R25091

2 Years
Free Legals
–
80%
7.15%
£1495
4.45%
3%,2%

Pepper18 Light

Product Code: R25075

2 Years
Cashback
Free Valuation
80%
7.30%
£795
4.45%
3%,2%

Pepper18 Light

Product Code: R25087

2 Years
Free Legals
Free Valuation
80%
7.30%
£795
4.45%
3%,2%

Pepper18 Light

Product Code: R25071

2 Years
Cashback
Free Valuation
80%
7.45%
£0
4.45%
3%,2%

Pepper18 Light

Product Code: R25083

2 Years
Free Legals
Free Valuation
80%
7.45%
£0
4.45%
3%,2%

Pepper18 Light

Product Code: R54784

5 Years
Cashback
–
85%
7.64%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54796

5 Years
Free Legals
–
85%
7.64%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54780

5 Years
Cashback
Free Valuation
85%
7.79%
£795
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54792

5 Years
Free Legals
Free Valuation
85%
7.79%
£795
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54776

5 Years
Cashback
Free Valuation
85%
7.94%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R54788

5 Years
Free Legals
Free Valuation
85%
7.94%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R25080

2 Years
Cashback
–
85%
7.74%
£1495
4.70%
3%,2%

Pepper18 Light

Product Code: R25092

2 Years
Free Legals
–
85%
7.74%
£1495
4.70%
3%,2%

Pepper18 Light

Product Code: R25088

2 Years
Free Legals
Free Valuation
85%
7.89%
£795
4.70%
3%,2%

Pepper18 Light

Product Code: R25076

2 Years
Cashback
Free Valuation
85%
7.89%
£795
4.70%
3%,2%

Pepper18 Light

Product Code: R25084

2 Years
Free Legals
Free Valuation
85%
8.04%
£0
4.70%
3%,2%

Pepper18 Light

Product Code: R25072

2 Years
Cashback
Free Valuation
85%
8.04%
£0
4.70%
3%,2%

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

Pepper18 - Suitable for customers that haven’t had a CCJ or Default in the last 18 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper18

Product Code: R54817

5 Years
Free Legals
–
70%
6.55%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54805

5 Years
Cashback
–
70%
6.55%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54813

5 Years
Free Legals
Free Valuation
70%
6.70%
£795
4.05%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54801

5 Years
Cashback
Free Valuation
70%
6.70%
£795
4.05%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54809

5 Years
Free Legals
Free Valuation
70%
6.85%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54797

5 Years
Cashback
Free Valuation
70%
6.85%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18

Product Code: R25101

2 Years
Cashback
–
70%
6.80%
£1495
4.05%
3%,2%

Pepper18

Product Code: R25113

2 Years
Free Legals
–
70%
6.80%
£1495
4.05%
3%,2%

Pepper18

Product Code: R25109

2 Years
Free Legals
Free Valuation
70%
6.95%
£795
4.05%
3%,2%

Pepper18

Product Code: R25097

2 Years
Cashback
Free Valuation
70%
6.95%
£795
4.05%
3%,2%

Pepper18

Product Code: R25105

2 Years
Free Legals
Free Valuation
70%
7.10%
£0
4.05%
3%,2%

Pepper18

Product Code: R25093

2 Years
Cashback
Free Valuation
70%
7.10%
£0
4.05%
3%,2%

Pepper18

Product Code: R54806

5 Years
Cashback
–
75%
6.60%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54818

5 Years
Free Legals
–
75%
6.60%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54802

5 Years
Cashback
Free Valuation
75%
6.75%
£795
4.20%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54814

5 Years
Free Legals
Free Valuation
75%
6.75%
£795
4.20%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54798

5 Years
Cashback
Free Valuation
75%
6.90%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54810

5 Years
Free Legals
Free Valuation
75%
6.90%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18

Product Code: R25102

2 Years
Cashback
–
75%
6.85%
£1495
4.20%
3%,2%

Pepper18

Product Code: R25114

2 Years
Free Legals
–
75%
6.85%
£1495
4.20%
3%,2%

Pepper18

Product Code: R25110

2 Years
Free Legals
Free Valuation
75%
7.00%
£795
4.20%
3%,2%

Pepper18

Product Code: R25098

2 Years
Cashback
Free Valuation
75%
7.00%
£795
4.20%
3%,2%

Pepper18

Product Code: R25106

2 Years
Free Legals
Free Valuation
75%
7.15%
£0
4.20%
3%,2%

Pepper18

Product Code: R25094

2 Years
Cashback
Free Valuation
75%
7.15%
£0
4.20%
3%,2%

Pepper18

Product Code: R54819

5 Years
Free Legals
–
80%
6.90%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54807

5 Years
Cashback
–
80%
6.90%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54815

5 Years
Free Legals
Free Valuation
80%
7.05%
£795
4.45%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54803

5 Years
Cashback
Free Valuation
80%
7.05%
£795
4.45%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54799

5 Years
Cashback
Free Valuation
80%
7.20%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54811

5 Years
Free Legals
Free Valuation
80%
7.20%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18

Product Code: R25103

2 Years
Cashback
–
80%
7.25%
£1495
4.45%
3%,2%

Pepper18

Product Code: R25115

2 Years
Free Legals
–
80%
7.25%
£1495
4.45%
3%,2%

Pepper18

Product Code: R25099

2 Years
Cashback
Free Valuation
80%
7.40%
£795
4.45%
3%,2%

Pepper18

Product Code: R25111

2 Years
Free Legals
Free Valuation
80%
7.40%
£795
4.45%
3%,2%

Pepper18

Product Code: R25095

2 Years
Cashback
Free Valuation
80%
7.55%
£0
4.45%
3%,2%

Pepper18

Product Code: R25107

2 Years
Free Legals
Free Valuation
80%
7.55%
£0
4.45%
3%,2%

Pepper18

Product Code: R54808

5 Years
Cashback
–
85%
7.74%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54820

5 Years
Free Legals
–
85%
7.74%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54804

5 Years
Cashback
Free Valuation
85%
7.89%
£795
4.70%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54816

5 Years
Free Legals
Free Valuation
85%
7.89%
£795
4.70%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54800

5 Years
Cashback
Free Valuation
85%
8.04%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18

Product Code: R54812

5 Years
Free Legals
Free Valuation
85%
8.04%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18

Product Code: R25104

2 Years
Cashback
–
85%
7.84%
£1495
4.70%
3%,2%

Pepper18

Product Code: R25116

2 Years
Free Legals
–
85%
7.84%
£1495
4.70%
3%,2%

Pepper18

Product Code: R25112

2 Years
Free Legals
Free Valuation
85%
7.99%
£795
4.70%
3%,2%

Pepper18

Product Code: R25100

2 Years
Cashback
Free Valuation
85%
7.99%
£795
4.70%
3%,2%

Pepper18

Product Code: R25108

2 Years
Free Legals
Free Valuation
85%
8.14%
£0
4.70%
3%,2%

Pepper18

Product Code: R25096

2 Years
Cashback
Free Valuation
85%
8.14%
£0
4.70%
3%,2%

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

Pepper12 Light - Suitable for customers that haven’t had a Default in the last 12 months and who have never had a CCJ

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper12 Light

Product Code: R54841

5 Years
Free Legals
–
70%
6.60%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54829

5 Years
Cashback
–
70%
6.60%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54837

5 Years
Free Legals
Free Valuation
70%
6.75%
£795
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54825

5 Years
Cashback
Free Valuation
70%
6.75%
£795
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54833

5 Years
Free Legals
Free Valuation
70%
6.90%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54821

5 Years
Cashback
Free Valuation
70%
6.90%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R25125

2 Years
Cashback
–
70%
6.85%
£1495
4.35%
3%,2%

Pepper12 Light

Product Code: R25137

2 Years
Free Legals
–
70%
6.85%
£1495
4.35%
3%,2%

Pepper12 Light

Product Code: R25133

2 Years
Free Legals
Free Valuation
70%
7.00%
£795
4.35%
3%,2%

Pepper12 Light

Product Code: R25121

2 Years
Cashback
Free Valuation
70%
7.00%
£795
4.35%
3%,2%

Pepper12 Light

Product Code: R25129

2 Years
Free Legals
Free Valuation
70%
7.15%
£0
4.35%
3%,2%

Pepper12 Light

Product Code: R25117

2 Years
Cashback
Free Valuation
70%
7.15%
£0
4.35%
3%,2%

Pepper12 Light

Product Code: R54830

5 Years
Cashback
–
75%
6.65%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54842

5 Years
Free Legals
–
75%
6.65%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54826

5 Years
Cashback
Free Valuation
75%
6.80%
£795
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54838

5 Years
Free Legals
Free Valuation
75%
6.80%
£795
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54822

5 Years
Cashback
Free Valuation
75%
6.95%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54834

5 Years
Free Legals
Free Valuation
75%
6.95%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R25126

2 Years
Cashback
–
75%
6.90%
£1495
4.60%
3%,2%

Pepper12 Light

Product Code: R25138

2 Years
Free Legals
–
75%
6.90%
£1495
4.60%
3%,2%

Pepper12 Light

Product Code: R25134

2 Years
Free Legals
Free Valuation
75%
7.05%
£795
4.60%
3%,2%

Pepper12 Light

Product Code: R25122

2 Years
Cashback
Free Valuation
75%
7.05%
£795
4.60%
3%,2%

Pepper12 Light

Product Code: R25130

2 Years
Free Legals
Free Valuation
75%
7.20%
£0
4.60%
3%,2%

Pepper12 Light

Product Code: R25118

2 Years
Cashback
Free Valuation
75%
7.20%
£0
4.60%
3%,2%

Pepper12 Light

Product Code: R54843

5 Years
Free Legals
–
80%
6.95%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54831

5 Years
Cashback
–
80%
6.95%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54839

5 Years
Free Legals
Free Valuation
80%
7.10%
£795
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54827

5 Years
Cashback
Free Valuation
80%
7.10%
£795
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54823

5 Years
Cashback
Free Valuation
80%
7.25%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54835

5 Years
Free Legals
Free Valuation
80%
7.25%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R25127

2 Years
Cashback
–
80%
7.30%
£1495
4.85%
3%,2%

Pepper12 Light

Product Code: R25139

2 Years
Free Legals
–
80%
7.30%
£1495
4.85%
3%,2%

Pepper12 Light

Product Code: R25123

2 Years
Cashback
Free Valuation
80%
7.45%
£795
4.85%
3%,2%

Pepper12 Light

Product Code: R25135

2 Years
Free Legals
Free Valuation
80%
7.45%
£795
4.85%
3%,2%

Pepper12 Light

Product Code: R25119

2 Years
Cashback
Free Valuation
80%
7.60%
£0
4.85%
3%,2%

Pepper12 Light

Product Code: R25131

2 Years
Free Legals
Free Valuation
80%
7.60%
£0
4.85%
3%,2%

Pepper12 Light

Product Code: R54832

5 Years
Cashback
–
85%
7.80%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54844

5 Years
Free Legals
–
85%
7.80%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54828

5 Years
Cashback
Free Valuation
85%
7.95%
£795
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54840

5 Years
Free Legals
Free Valuation
85%
7.95%
£795
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54824

5 Years
Cashback
Free Valuation
85%
8.10%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R54836

5 Years
Free Legals
Free Valuation
85%
8.10%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R25128

2 Years
Cashback
–
85%
8.00%
£1495
5.00%
3%,2%

Pepper12 Light

Product Code: R25140

2 Years
Free Legals
–
85%
8.00%
£1495
5.00%
3%,2%

Pepper12 Light

Product Code: R25136

2 Years
Free Legals
Free Valuation
85%
8.15%
£795
5.00%
3%,2%

Pepper12 Light

Product Code: R25124

2 Years
Cashback
Free Valuation
85%
8.15%
£795
5.00%
3%,2%

Pepper12 Light

Product Code: R25132

2 Years
Free Legals
Free Valuation
85%
8.30%
£0
5.00%
3%,2%

Pepper12 Light

Product Code: R25120

2 Years
Cashback
Free Valuation
85%
8.30%
£0
5.00%
3%,2%

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

Pepper12 - Suitable for customers that haven’t had a CCJ or Default in the last 12 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper12

Product Code: R54865

5 Years
Free Legals
–
70%
6.70%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54853

5 Years
Cashback
–
70%
6.70%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54861

5 Years
Free Legals
Free Valuation
70%
6.85%
£795
4.35%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54849

5 Years
Cashback
Free Valuation
70%
6.85%
£795
4.35%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54857

5 Years
Free Legals
Free Valuation
70%
7.00%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54845

5 Years
Cashback
Free Valuation
70%
7.00%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12

Product Code: R25149

2 Years
Cashback
–
70%
6.95%
£1495
4.35%
3%,2%

Pepper12

Product Code: R25161

2 Years
Free Legals
–
70%
6.95%
£1495
4.35%
3%,2%

Pepper12

Product Code: R25157

2 Years
Free Legals
Free Valuation
70%
7.10%
£795
4.35%
3%,2%

Pepper12

Product Code: R25145

2 Years
Cashback
Free Valuation
70%
7.10%
£795
4.35%
3%,2%

Pepper12

Product Code: R25153

2 Years
Free Legals
Free Valuation
70%
7.25%
£0
4.35%
3%,2%

Pepper12

Product Code: R25141

2 Years
Cashback
Free Valuation
70%
7.25%
£0
4.35%
3%,2%

Pepper12

Product Code: R54854

5 Years
Cashback
–
75%
6.75%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54866

5 Years
Free Legals
–
75%
6.75%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54850

5 Years
Cashback
Free Valuation
75%
6.90%
£795
4.60%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54862

5 Years
Free Legals
Free Valuation
75%
6.90%
£795
4.60%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54846

5 Years
Cashback
Free Valuation
75%
7.05%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54858

5 Years
Free Legals
Free Valuation
75%
7.05%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12

Product Code: R25150

2 Years
Cashback
–
75%
7.00%
£1495
4.60%
3%,2%

Pepper12

Product Code: R25162

2 Years
Free Legals
–
75%
7.00%
£1495
4.60%
3%,2%

Pepper12

Product Code: R25158

2 Years
Free Legals
Free Valuation
75%
7.15%
£795
4.60%
3%,2%

Pepper12

Product Code: R25146

2 Years
Cashback
Free Valuation
75%
7.15%
£795
4.60%
3%,2%

Pepper12

Product Code: R25154

2 Years
Free Legals
Free Valuation
75%
7.30%
£0
4.60%
3%,2%

Pepper12

Product Code: R25142

2 Years
Cashback
Free Valuation
75%
7.30%
£0
4.60%
3%,2%

Pepper12

Product Code: R54867

5 Years
Free Legals
–
80%
7.05%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54855

5 Years
Cashback
–
80%
7.05%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54863

5 Years
Free Legals
Free Valuation
80%
7.20%
£795
4.85%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54851

5 Years
Cashback
Free Valuation
80%
7.20%
£795
4.85%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54847

5 Years
Cashback
Free Valuation
80%
7.35%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54859

5 Years
Free Legals
Free Valuation
80%
7.35%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12

Product Code: R25151

2 Years
Cashback
–
80%
7.40%
£1495
4.85%
3%,2%

Pepper12

Product Code: R25163

2 Years
Free Legals
–
80%
7.40%
£1495
4.85%
3%,2%

Pepper12

Product Code: R25147

2 Years
Cashback
Free Valuation
80%
7.55%
£795
4.85%
3%,2%

Pepper12

Product Code: R25159

2 Years
Free Legals
Free Valuation
80%
7.55%
£795
4.85%
3%,2%

Pepper12

Product Code: R25143

2 Years
Cashback
Free Valuation
80%
7.70%
£0
4.85%
3%,2%

Pepper12

Product Code: R25155

2 Years
Free Legals
Free Valuation
80%
7.70%
£0
4.85%
3%,2%

Pepper12

Product Code: R54856

5 Years
Cashback
–
85%
7.90%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54868

5 Years
Free Legals
–
85%
7.90%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54852

5 Years
Cashback
Free Valuation
85%
8.05%
£795
5.00%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54864

5 Years
Free Legals
Free Valuation
85%
8.05%
£795
5.00%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54848

5 Years
Cashback
Free Valuation
85%
8.20%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12

Product Code: R54860

5 Years
Free Legals
Free Valuation
85%
8.20%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12

Product Code: R25152

2 Years
Cashback
–
85%
8.10%
£1495
5.00%
3%,2%

Pepper12

Product Code: R25164

2 Years
Free Legals
–
85%
8.10%
£1495
5.00%
3%,2%

Pepper12

Product Code: R25160

2 Years
Free Legals
Free Valuation
85%
8.25%
£795
5.00%
3%,2%

Pepper12

Product Code: R25148

2 Years
Cashback
Free Valuation
85%
8.25%
£795
5.00%
3%,2%

Pepper12

Product Code: R25156

2 Years
Free Legals
Free Valuation
85%
8.40%
£0
5.00%
3%,2%

Pepper12

Product Code: R25144

2 Years
Cashback
Free Valuation
85%
8.40%
£0
5.00%
3%,2%

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

Pepper6 Light - Suitable for customers that haven’t had a Default in the last 6 months and who have never had a CCJ

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54884

5 Years
Free Legals
–
70%
6.75%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54875

5 Years
Cashback
–
70%
6.75%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54872

5 Years
Cashback
Free Valuation
70%
6.90%
£795
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54881

5 Years
Free Legals
Free Valuation
70%
6.90%
£795
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54869

5 Years
Cashback
Free Valuation
70%
7.05%
£0
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54878

5 Years
Free Legals
Free Valuation
70%
7.05%
£0
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25180

2 Years
Free Legals
–
70%
7.00%
£1495
4.35%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25171

2 Years
Cashback
–
70%
7.00%
£1495
4.35%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25177

2 Years
Free Legals
Free Valuation
70%
7.15%
£795
4.35%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25168

2 Years
Cashback
Free Valuation
70%
7.15%
£795
4.35%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25174

2 Years
Free Legals
Free Valuation
70%
7.30%
£0
4.35%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25165

2 Years
Cashback
Free Valuation
70%
7.30%
£0
4.35%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54876

5 Years
Cashback
–
75%
6.80%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54885

5 Years
Free Legals
–
75%
6.80%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54882

5 Years
Free Legals
Free Valuation
75%
6.95%
£795
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54873

5 Years
Cashback
Free Valuation
75%
6.95%
£795
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54870

5 Years
Cashback
Free Valuation
75%
7.10%
£0
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54879

5 Years
Free Legals
Free Valuation
75%
7.10%
£0
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25181

2 Years
Free Legals
–
75%
7.05%
£1495
4.60%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25172

2 Years
Cashback
–
75%
7.05%
£1495
4.60%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25169

2 Years
Cashback
Free Valuation
75%
7.20%
£795
4.60%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25178

2 Years
Free Legals
Free Valuation
75%
7.20%
£795
4.60%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25166

2 Years
Cashback
Free Valuation
75%
7.35%
£0
4.60%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25175

2 Years
Free Legals
Free Valuation
75%
7.35%
£0
4.60%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54886

5 Years
Free Legals
–
80%
7.30%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54877

5 Years
Cashback
–
80%
7.30%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54883

5 Years
Free Legals
Free Valuation
80%
7.45%
£795
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54874

5 Years
Cashback
Free Valuation
80%
7.45%
£795
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54880

5 Years
Free Legals
Free Valuation
80%
7.60%
£0
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R54871

5 Years
Cashback
Free Valuation
80%
7.60%
£0
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25182

2 Years
Free Legals
–
80%
7.50%
£1495
4.85%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25173

2 Years
Cashback
–
80%
7.50%
£1495
4.85%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25179

2 Years
Free Legals
Free Valuation
80%
7.65%
£795
4.85%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25170

2 Years
Cashback
Free Valuation
80%
7.65%
£795
4.85%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25176

2 Years
Free Legals
Free Valuation
80%
7.80%
£0
4.85%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25167

2 Years
Cashback
Free Valuation
80%
7.80%
£0
4.85%
3%,2%

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

Pepper6 - Suitable for customers that haven’t had a CCJ or Default in the last 6 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54902

5 Years
Free Legals
–
70%
6.85%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54893

5 Years
Cashback
–
70%
6.85%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54890

5 Years
Cashback
Free Valuation
70%
7.00%
£795
4.35%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54899

5 Years
Free Legals
Free Valuation
70%
7.00%
£795
4.35%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54887

5 Years
Cashback
Free Valuation
70%
7.15%
£0
4.35%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54896

5 Years
Free Legals
Free Valuation
70%
7.15%
£0
4.35%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25198

2 Years
Free Legals
–
70%
7.10%
£1495
4.35%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25189

2 Years
Cashback
–
70%
7.10%
£1495
4.35%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25195

2 Years
Free Legals
Free Valuation
70%
7.25%
£795
4.35%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25186

2 Years
Cashback
Free Valuation
70%
7.25%
£795
4.35%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25192

2 Years
Free Legals
Free Valuation
70%
7.40%
£0
4.35%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25183

2 Years
Cashback
Free Valuation
70%
7.40%
£0
4.35%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54894

5 Years
Cashback
–
75%
6.90%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54903

5 Years
Free Legals
–
75%
6.90%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54900

5 Years
Free Legals
Free Valuation
75%
7.05%
£795
4.60%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54891

5 Years
Cashback
Free Valuation
75%
7.05%
£795
4.60%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54888

5 Years
Cashback
Free Valuation
75%
7.20%
£0
4.60%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54897

5 Years
Free Legals
Free Valuation
75%
7.20%
£0
4.60%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25199

2 Years
Free Legals
–
75%
7.15%
£1495
4.60%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25190

2 Years
Cashback
–
75%
7.15%
£1495
4.60%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25187

2 Years
Cashback
Free Valuation
75%
7.30%
£795
4.60%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25196

2 Years
Free Legals
Free Valuation
75%
7.30%
£795
4.60%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25184

2 Years
Cashback
Free Valuation
75%
7.45%
£0
4.60%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25193

2 Years
Free Legals
Free Valuation
75%
7.45%
£0
4.60%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54904

5 Years
Free Legals
–
80%
7.40%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54895

5 Years
Cashback
–
80%
7.40%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54901

5 Years
Free Legals
Free Valuation
80%
7.55%
£795
4.85%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54892

5 Years
Cashback
Free Valuation
80%
7.55%
£795
4.85%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54898

5 Years
Free Legals
Free Valuation
80%
7.70%
£0
4.85%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R54889

5 Years
Cashback
Free Valuation
80%
7.70%
£0
4.85%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25200

2 Years
Free Legals
–
80%
7.60%
£1495
4.85%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25191

2 Years
Cashback
–
80%
7.60%
£1495
4.85%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25197

2 Years
Free Legals
Free Valuation
80%
7.75%
£795
4.85%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25188

2 Years
Cashback
Free Valuation
80%
7.75%
£795
4.85%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25194

2 Years
Free Legals
Free Valuation
80%
7.90%
£0
4.85%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25185

2 Years
Cashback
Free Valuation
80%
7.90%
£0
4.85%
3%,2%

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

Pepper Existing Customers (Remortgages Only)

Pepper48 Existing Customer - (remortgage only) - Suitable for customers that haven’t had a CCJ or Default in the last 48 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper48 Existing Customer

(Remortgages only)

Product Code: RR50183

5 Years
Free Legals
Free Valuation
75%
5.84%
£0
3.90%
4%,4%,3%,3%,2%

Pepper48 Existing Customer

(Remortgages only)

Product Code: RR20183

2 Years
Free Legals
Free Valuation
75%
6.14%
£0
3.90%
3%,2%

Pepper48 Existing Customer

(Remortgages only)

Product Code: RR50184

5 Years
Free Legals
Free Valuation
80%
6.24%
£0
4.15%
4%,4%,3%,3%,2%

Pepper48 Existing Customer

(Remortgages only)

Product Code: RR20184

2 Years
Free Legals
Free Valuation
80%
6.54%
£0
4.15%
3%,2%

Pepper48 Existing Customer

(Remortgages only)

Product Code: RR50185

5 Years
Free Legals
Free Valuation
85%
6.64%
£0
4.40%
4%,4%,3%,3%,2%

Pepper48 Existing Customer

(Remortgages only)

Product Code: RR20185

2 Years
Free Legals
Free Valuation
85%
6.94%
£0
4.40%
3%,2%

One free standard valuation for properties valued up to £500,000, 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

Pepper36 Existing Customer - (remortgage only) - Suitable for customers that haven’t had a CCJ or Default in the last 36 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper36 Existing Customer

(Remortgages only)

Product Code: RR50186

5 Years
Free Legals
Free Valuation
75%
6.14%
£0
3.90%
4%,4%,3%,3%,2%

Pepper36 Existing Customer

(Remortgages only)

Product Code: RR20186

2 Years
Free Legals
Free Valuation
75%
6.44%
£0
3.90%
3%,2%

Pepper36 Existing Customer

(Remortgages only)

Product Code: RR50187

5 Years
Free Legals
Free Valuation
80%
6.34%
£0
4.15%
4%,4%,3%,3%,2%

Pepper36 Existing Customer

(Remortgages only)

Product Code: RR20187

2 Years
Free Legals
Free Valuation
80%
6.64%
£0
4.15%
3%,2%

Pepper36 Existing Customer

(Remortgages only)

Product Code: RR50188

5 Years
Free Legals
Free Valuation
85%
6.79%
£0
4.40%
4%,4%,3%,3%,2%

Pepper36 Existing Customer

(Remortgages only)

Product Code: RR20188

2 Years
Free Legals
Free Valuation
85%
7.09%
£0
4.40%
3%,2%

One free standard valuation for properties valued up to £500,000, 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

Pepper24 Existing Customer - (remortgage only) - Suitable for customers that haven’t had a CCJ or Default in the last 24 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper24 Existing Customer

(Remortgages only)

Product Code: RR50189

5 Years
Free Legals
Free Valuation
75%
6.34%
£0
3.90%
4%,4%,3%,3%,2%

Pepper24 Existing Customer

(Remortgages only)

Product Code: RR20189

2 Years
Free Legals
Free Valuation
75%
6.64%
£0
3.90%
3%,2%

Pepper24 Existing Customer

(Remortgages only)

Product Code: RR50190

5 Years
Free Legals
Free Valuation
80%
6.49%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24 Existing Customer

(Remortgages only)

Product Code: RR20190

2 Years
Free Legals
Free Valuation
80%
6.79%
£0
4.15%
3%,2%

Pepper24 Existing Customer

(Remortgages only)

Product Code: RR50191

5 Years
Free Legals
Free Valuation
85%
7.14%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24 Existing Customer

(Remortgages only)

Product Code: RR20191

2 Years
Free Legals
Free Valuation
85%
7.54%
£0
4.40%
3%,2%

One free standard valuation for properties valued up to £500,000, 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

Pepper DMP (Debt Management Plan)

Pepper24 DMP - Suitable for customers that haven’t had a CCJ or Default in the last 24 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper24 DMP

Product Code: RD50909

5 Years
Cashback
–
75%
6.64%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50915

5 Years
Free Legals
–
75%
6.64%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50906

5 Years
Cashback
Free Valuation
75%
6.94%
£0
3.90%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50912

5 Years
Free Legals
Free Valuation
75%
6.94%
£0
3.90%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD30062

3 Years
Free Legals
–
75%
6.84%
£1495
3.90%
3%,2%,1%

Pepper24 DMP

Product Code: RD30059

3 Years
Cashback
–
75%
6.84%
£1495
3.90%
3%,2%,1%

Pepper24 DMP

Product Code: RD21025

2 Years
Free Legals
–
75%
6.94%
£1495
3.90%
3%,2%

Pepper24 DMP

Product Code: RD21019

2 Years
Cashback
–
75%
6.94%
£1495
3.90%
3%,2%

Pepper24 DMP

Product Code: RD21022

2 Years
Free Legals
Free Valuation
75%
7.24%
£0
3.90%
3%,2%

Pepper24 DMP

Product Code: RD21016

2 Years
Cashback
Free Valuation
75%
7.24%
£0
3.90%
3%,2%

Pepper24 DMP

Product Code: RD50910

5 Years
Cashback
–
80%
6.79%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50916

5 Years
Free Legals
–
80%
6.79%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50907

5 Years
Cashback
Free Valuation
80%
7.09%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50913

5 Years
Free Legals
Free Valuation
80%
7.09%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD30063

3 Years
Free Legals
–
80%
6.99%
£1495
4.15%
3%,2%,1%

Pepper24 DMP

Product Code: RD30060

3 Years
Cashback
–
80%
6.99%
£1495
4.15%
3%,2%,1%

Pepper24 DMP

Product Code: RD21020

2 Years
Cashback
–
80%
7.09%
£1495
4.15%
3%,2%

Pepper24 DMP

Product Code: RD21026

2 Years
Free Legals
–
80%
7.09%
£1495
4.15%
3%,2%

Pepper24 DMP

Product Code: RD21017

2 Years
Cashback
Free Valuation
80%
7.39%
£0
4.15%
3%,2%

Pepper24 DMP

Product Code: RD21023

2 Years
Free Legals
Free Valuation
80%
7.39%
£0
4.15%
3%,2%

Pepper24 DMP

Product Code: RD50917

5 Years
Free Legals
–
85%
7.44%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50911

5 Years
Cashback
–
85%
7.44%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50914

5 Years
Free Legals
Free Valuation
85%
7.74%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50908

5 Years
Cashback
Free Valuation
85%
7.74%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD30064

3 Years
Free Legals
–
85%
7.74%
£1495
4.40%
3%,2%,1%

Pepper24 DMP

Product Code: RD30061

3 Years
Cashback
–
85%
7.74%
£1495
4.40%
3%,2%,1%

Pepper24 DMP

Product Code: RD21027

2 Years
Free Legals
–
85%
7.84%
£1495
4.40%
3%,2%

Pepper24 DMP

Product Code: RD21021

2 Years
Cashback
–
85%
7.84%
£1495
4.40%
3%,2%

Pepper24 DMP

Product Code: RD21024

2 Years
Free Legals
Free Valuation
85%
8.14%
£0
4.40%
3%,2%

Pepper24 DMP

Product Code: RD21018

2 Years
Cashback
Free Valuation
85%
8.14%
£0
4.40%
3%,2%

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: Must have been active for a minimum of 12 months Must be able to provide proof of satisfactory payments from DMP provider If active, doesn’t have to be repaid at completion For remortgages, capital raising can be considered to clear the DMP No more than 1 active DMP per application

Pepper18 DMP - Suitable for customers that haven’t had a CCJ or Default in the last 18 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper18 DMP

Product Code: RD50922

5 Years
Cashback
–
70%
6.85%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50930

5 Years
Free Legals
–
70%
6.85%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50918

5 Years
Cashback
Free Valuation
70%
7.15%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50926

5 Years
Free Legals
Free Valuation
70%
7.15%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD30069

3 Years
Free Legals
–
70%
7.00%
£1495
4.05%
3%,2%,1%

Pepper18 DMP

Product Code: RD30065

3 Years
Cashback
–
70%
7.00%
£1495
4.05%
3%,2%,1%

Pepper18 DMP

Product Code: RD21040

2 Years
Free Legals
–
70%
7.10%
£1495
4.05%
3%,2%

Pepper18 DMP

Product Code: RD21032

2 Years
Cashback
–
70%
7.10%
£1495
4.05%
3%,2%

Pepper18 DMP

Product Code: RD21036

2 Years
Free Legals
Free Valuation
70%
7.40%
£0
4.05%
3%,2%

Pepper18 DMP

Product Code: RD21028

2 Years
Cashback
Free Valuation
70%
7.40%
£0
4.05%
3%,2%

Pepper18 DMP

Product Code: RD50923

5 Years
Cashback
–
75%
6.90%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50931

5 Years
Free Legals
–
75%
6.90%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50919

5 Years
Cashback
Free Valuation
75%
7.20%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50927

5 Years
Free Legals
Free Valuation
75%
7.20%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD30070

3 Years
Free Legals
–
75%
7.05%
£1495
4.20%
3%,2%,1%

Pepper18 DMP

Product Code: RD30066

3 Years
Cashback
–
75%
7.05%
£1495
4.20%
3%,2%,1%

Pepper18 DMP

Product Code: RD21033

2 Years
Cashback
–
75%
7.15%
£1495
4.20%
3%,2%

Pepper18 DMP

Product Code: RD21041

2 Years
Free Legals
–
75%
7.15%
£1495
4.20%
3%,2%

Pepper18 DMP

Product Code: RD21029

2 Years
Cashback
Free Valuation
75%
7.45%
£0
4.20%
3%,2%

Pepper18 DMP

Product Code: RD21037

2 Years
Free Legals
Free Valuation
75%
7.45%
£0
4.20%
3%,2%

Pepper18 DMP

Product Code: RD50932

5 Years
Free Legals
–
80%
7.20%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50924

5 Years
Cashback
–
80%
7.20%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50920

5 Years
Cashback
Free Valuation
80%
7.50%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50928

5 Years
Free Legals
Free Valuation
80%
7.50%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD30067

3 Years
Cashback
–
80%
7.45%
£1495
4.45%
3%,2%,1%

Pepper18 DMP

Product Code: RD30071

3 Years
Free Legals
–
80%
7.45%
£1495
4.45%
3%,2%,1%

Pepper18 DMP

Product Code: RD21042

2 Years
Free Legals
–
80%
7.55%
£1495
4.45%
3%,2%

Pepper18 DMP

Product Code: RD21034

2 Years
Cashback
–
80%
7.55%
£1495
4.45%
3%,2%

Pepper18 DMP

Product Code: RD21038

2 Years
Free Legals
Free Valuation
80%
7.85%
£0
4.45%
3%,2%

Pepper18 DMP

Product Code: RD21030

2 Years
Cashback
Free Valuation
80%
7.85%
£0
4.45%
3%,2%

Pepper18 DMP

Product Code: RD50925

5 Years
Cashback
–
85%
8.04%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50933

5 Years
Free Legals
–
85%
8.04%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50921

5 Years
Cashback
Free Valuation
85%
8.34%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50929

5 Years
Free Legals
Free Valuation
85%
8.34%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD30072

3 Years
Free Legals
–
85%
8.09%
£1495
4.70%
3%,2%,1%

Pepper18 DMP

Product Code: RD30068

3 Years
Cashback
–
85%
8.09%
£1495
4.70%
3%,2%,1%

Pepper18 DMP

Product Code: RD21035

2 Years
Cashback
–
85%
8.14%
£1495
4.70%
3%,2%

Pepper18 DMP

Product Code: RD21043

2 Years
Free Legals
–
85%
8.14%
£1495
4.70%
3%,2%

Pepper18 DMP

Product Code: RD21031

2 Years
Cashback
Free Valuation
85%
8.44%
£0
4.70%
3%,2%

Pepper18 DMP

Product Code: RD21039

2 Years
Free Legals
Free Valuation
85%
8.44%
£0
4.70%
3%,2%

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: Must have been active for a minimum of 12 months Must be able to provide proof of satisfactory payments from DMP provider If active, doesn’t have to be repaid at completion For remortgages, capital raising can be considered to clear the DMP No more than 1 active DMP per application

Pepper12 DMP - Suitable for customers that haven’t had a CCJ or Default in the last 12 months

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper12 DMP

Product Code: RD50938

5 Years
Cashback
–
70%
7.00%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50946

5 Years
Free Legals
–
70%
7.00%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50934

5 Years
Cashback
Free Valuation
70%
7.30%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50942

5 Years
Free Legals
Free Valuation
70%
7.30%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD30077

3 Years
Free Legals
–
70%
7.15%
£1495
4.35%
3%,2%,1%

Pepper12 DMP

Product Code: RD30073

3 Years
Cashback
–
70%
7.15%
£1495
4.35%
3%,2%,1%

Pepper12 DMP

Product Code: RD21056

2 Years
Free Legals
–
70%
7.25%
£1495
4.35%
3%,2%

Pepper12 DMP

Product Code: RD21048

2 Years
Cashback
–
70%
7.25%
£1495
4.35%
3%,2%

Pepper12 DMP

Product Code: RD21052

2 Years
Free Legals
Free Valuation
70%
7.55%
£0
4.35%
3%,2%

Pepper12 DMP

Product Code: RD21044

2 Years
Cashback
Free Valuation
70%
7.55%
£0
4.35%
3%,2%

Pepper12 DMP

Product Code: RD50939

5 Years
Cashback
–
75%
7.05%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50947

5 Years
Free Legals
–
75%
7.05%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50935

5 Years
Cashback
Free Valuation
75%
7.35%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50943

5 Years
Free Legals
Free Valuation
75%
7.35%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD30078

3 Years
Free Legals
–
75%
7.20%
£1495
4.60%
3%,2%,1%

Pepper12 DMP

Product Code: RD30074

3 Years
Cashback
–
75%
7.20%
£1495
4.60%
3%,2%,1%

Pepper12 DMP

Product Code: RD21049

2 Years
Cashback
–
75%
7.30%
£1495
4.60%
3%,2%

Pepper12 DMP

Product Code: RD21057

2 Years
Free Legals
–
75%
7.30%
£1495
4.60%
3%,2%

Pepper12 DMP

Product Code: RD21045

2 Years
Cashback
Free Valuation
75%
7.60%
£0
4.60%
3%,2%

Pepper12 DMP

Product Code: RD21053

2 Years
Free Legals
Free Valuation
75%
7.60%
£0
4.60%
3%,2%

Pepper12 DMP

Product Code: RD50948

5 Years
Free Legals
–
80%
7.35%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50940

5 Years
Cashback
–
80%
7.35%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50936

5 Years
Cashback
Free Valuation
80%
7.65%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50944

5 Years
Free Legals
Free Valuation
80%
7.65%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD30075

3 Years
Cashback
–
80%
7.60%
£1495
4.85%
3%,2%,1%

Pepper12 DMP

Product Code: RD30079

3 Years
Free Legals
–
80%
7.60%
£1495
4.85%
3%,2%,1%

Pepper12 DMP

Product Code: RD21058

2 Years
Free Legals
–
80%
7.70%
£1495
4.85%
3%,2%

Pepper12 DMP

Product Code: RD21050

2 Years
Cashback
–
80%
7.70%
£1495
4.85%
3%,2%

Pepper12 DMP

Product Code: RD21054

2 Years
Free Legals
Free Valuation
80%
8.00%
£0
4.85%
3%,2%

Pepper12 DMP

Product Code: RD21046

2 Years
Cashback
Free Valuation
80%
8.00%
£0
4.85%
3%,2%

Pepper12 DMP

Product Code: RD50941

5 Years
Cashback
–
85%
8.20%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50949

5 Years
Free Legals
–
85%
8.20%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50937

5 Years
Cashback
Free Valuation
85%
8.50%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50945

5 Years
Free Legals
Free Valuation
85%
8.50%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD30080

3 Years
Free Legals
–
85%
8.30%
£1495
5.00%
3%,2%,1%

Pepper12 DMP

Product Code: RD30076

3 Years
Cashback
–
85%
8.30%
£1495
5.00%
3%,2%,1%

Pepper12 DMP

Product Code: RD21051

2 Years
Cashback
–
85%
8.40%
£1495
5.00%
3%,2%

Pepper12 DMP

Product Code: RD21059

2 Years
Free Legals
–
85%
8.40%
£1495
5.00%
3%,2%

Pepper12 DMP

Product Code: RD21047

2 Years
Cashback
Free Valuation
85%
8.70%
£0
5.00%
3%,2%

Pepper12 DMP

Product Code: RD21055

2 Years
Free Legals
Free Valuation
85%
8.70%
£0
5.00%
3%,2%

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: Must have been active for a minimum of 12 months Must be able to provide proof of satisfactory payments from DMP provider If active, doesn’t have to be repaid at completion For remortgages, capital raising can be considered to clear the DMP No more than 1 active DMP per application

Pepper Bankruptcy & IVA

Pepper24 Bankruptcy and IVA - Suitable for customers that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 years ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper24 Bankruptcy and IVA

Product Code: RB50037

5 Years
–
–
75%
7.34%
£1295
4.60%
4%,4%,3%,3%,2%

Pepper24 Bankruptcy and IVA

Product Code: RB20037

2 Years
–
–
75%
7.64%
£1295
4.60%
3%,2%

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

Pepper12 Bankruptcy and IVA - Suitable for customers that have a satisfied Bankruptcy Order or Individual Voluntary Arrangement over 3 years ago

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates
(LMR +)

ERC

Pepper12 Bankruptcy and IVA

Product Code: RB50038

5 Years
–
–
75%
7.75%
£1295
4.60%
4%,4%,3%,3%,2%

Pepper12 Bankruptcy and IVA

Product Code: RB20038

2 Years
–
–
75%
8.00%
£1295
4.60%
3%,2%

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

Pepper Residential Criteria

Key Criteria

Applicants		Loan Size
Minimum Age	21 years	Minimum	£25,001
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	Up to £1million available to 75% LTV Up to £750,000 available to 85% LTV
Maximum Applicants	2	Repayment
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	Captial & Interest. Interest only to 60%, supported by an acceptable repayment strategy
		Property Value
		Minimum	£70,000
Self-Employed	Must have been in their current business for a minimum of 12 months and able to supply 1 year’s trading accounts	Term
		Minimum	5 years and 1 month
		Maximum	40 years

Try our residential affordability calculator

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Resources

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Downloads

Calculators

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Residential Mortgage Products

Up to 85% LTV

Unsecured credit

No value limits

Capital raising up to max LTV

Helping the self-employed

Boosting affordability

Residential Mortgage Products Rates & Criteria

Pepper Residential

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates (LMR +)

ERC

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light Limited Edition

Pepper48 Light Limited Edition

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light Limited Edition

Pepper48 Light Limited Edition

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light Limited Edition

Pepper48 Light Limited Edition

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Pepper48 Light

Product

Term

Incentive

Free Valuation

LTV

Initial Rate

Comp Fee

Reversion Rates (LMR +)

ERC

Pepper48

Pepper48

Pepper48

Pepper48

Pepper48

Pepper48

Pepper48 Limited Edition

Pepper48 Limited Edition

Pepper48

Pepper48

Pepper48

Reversion Rates
(LMR +)

Reversion Rates
(LMR +)

Reversion Rates
(LMR +)