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Our Range

Residential
Mortgage Products

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.

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

Try our easy to use product finder

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.

Residential Mortgage Product Rates and Criteria

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: R54936

5 Years
Free Legals
-
75%
5.54%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R54927

5 Years
Cashback
-
75%
5.54%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54933

5 Years
Free Legals
Free Valuation
75%
5.69%
£795
3.90%
4%,4%,3%,3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R54924

5 Years
Cashback
Free Valuation
75%
5.69%
£795
3.90%
4%,4%,3%,3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R54921

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

Pepper48 Light

Product Code: R54930

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

Pepper48 Light

(Remortgage only)

Product Code: R30599

3 Years
Cashback
-
75%
5.74%
£1495
3.90%
3%,2%,1%

Pepper48 Light

Product Code: R30602

3 Years
Free Legals
-
75%
5.74%
£1495
3.90%
3%,2%,1%

Pepper48 Light

Product Code: R25232

2 Years
Free Legals
-
75%
5.84%
£1495
3.90%
3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R25223

2 Years
Cashback
-
75%
5.84%
£1495
3.90%
3%,2%

Pepper48 Light

Product Code: R25229

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

Pepper48 Light

(Remortgage only)

Product Code: R25220

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

Pepper48 Light

Product Code: R25226

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

Pepper48 Light

(Remortgage only)

Product Code: R25217

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

Pepper48 Light

(Remortgage only)

Product Code: R54928

5 Years
Cashback
-
80%
5.94%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54937

5 Years
Free Legals
-
80%
5.94%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R54925

5 Years
Cashback
Free Valuation
80%
6.09%
£795
4.15%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54934

5 Years
Free Legals
Free Valuation
80%
6.09%
£795
4.15%
4%,4%,3%,3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R54922

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

Pepper48 Light

Product Code: R54931

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

Pepper48 Light

Product Code: R30603

3 Years
Free Legals
-
80%
6.14%
£1495
4.15%
3%,2%,1%

Pepper48 Light

(Remortgage only)

Product Code: R30600

3 Years
Cashback
-
80%
6.14%
£1495
4.15%
3%,2%,1%

Pepper48 Light

Product Code: R25233

2 Years
Free Legals
-
80%
6.24%
£1495
4.15%
3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R25224

2 Years
Cashback
-
80%
6.24%
£1495
4.15%
3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R25221

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

Pepper48 Light

Product Code: R25230

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

Pepper48 Light

(Remortgage only)

Product Code: R25218

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

Pepper48 Light

Product Code: R25227

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

Pepper48 Light

Product Code: R54938

5 Years
Free Legals
-
85%
6.34%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R54929

5 Years
Cashback
-
85%
6.34%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R54926

5 Years
Cashback
Free Valuation
85%
6.49%
£795
4.40%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54935

5 Years
Free Legals
Free Valuation
85%
6.49%
£795
4.40%
4%,4%,3%,3%,2%

Pepper48 Light

Product Code: R54932

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

Pepper48 Light

(Remortgage only)

Product Code: R54923

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

Pepper48 Light

(Remortgage only)

Product Code: R30601

3 Years
Cashback
-
85%
6.54%
£1495
4.40%
3%,2%,1%

Pepper48 Light

Product Code: R30604

3 Years
Free Legals
-
85%
6.54%
£1495
4.40%
3%,2%,1%

Pepper48 Light

Product Code: R25234

2 Years
Free Legals
-
85%
6.64%
£1495
4.40%
3%,2%

Pepper48 Light

(Remortgage only)

Product Code: R25225

2 Years
Cashback
-
85%
6.64%
£1495
4.40%
3%,2%

Pepper48 Light

Product Code: R25231

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

Pepper48 Light

(Remortgage only)

Product Code: R25222

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

Pepper48 Light

Product Code: R25228

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

Pepper48 Light

(Remortgage only)

Product Code: R25219

2 Years
Cashback
Free Valuation
85%
6.94%
£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: R54954

5 Years
Free Legals
-
75%
5.64%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper48

(Remortgage only)

Product Code: R54945

5 Years
Cashback
-
75%
5.64%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54951

5 Years
Free Legals
Free Valuation
75%
5.79%
£795
3.90%
4%,4%,3%,3%,2%

Pepper48

(Remortgage only)

Product Code: R54942

5 Years
Cashback
Free Valuation
75%
5.79%
£795
3.90%
4%,4%,3%,3%,2%

Pepper48

(Remortgage only)

Product Code: R54939

5 Years
Cashback
Free Valuation
75%
5.94%
£0
3.90%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54948

5 Years
Free Legals
Free Valuation
75%
5.94%
£0
3.90%
4%,4%,3%,3%,2%

Pepper48

(Remortgage only)

Product Code: R30605

3 Years
Cashback
-
75%
5.84%
£1495
3.90%
3%,2%,1%

Pepper48

Product Code: R30608

3 Years
Free Legals
-
75%
5.84%
£1495
3.90%
3%,2%,1%

Pepper48

Product Code: R25250

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

Pepper48

(Remortgage only)

Product Code: R25241

2 Years
Cashback
-
75%
5.94%
£1495
3.90%
3%,2%

Pepper48

Product Code: R25247

2 Years
Free Legals
Free Valuation
75%
6.09%
£795
3.90%
3%,2%

Pepper48

(Remortgage only)

Product Code: R25238

2 Years
Cashback
Free Valuation
75%
6.09%
£795
3.90%
3%,2%

Pepper48

Product Code: R25244

2 Years
Free Legals
Free Valuation
75%
6.24%
£0
3.90%
3%,2%

Pepper48

(Remortgage only)

Product Code: R25235

2 Years
Cashback
Free Valuation
75%
6.24%
£0
3.90%
3%,2%

Pepper48

(Remortgage only)

Product Code: R54946

5 Years
Cashback
-
80%
6.04%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54955

5 Years
Free Legals
-
80%
6.04%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper48

(Remortgage only)

Product Code: R54943

5 Years
Cashback
Free Valuation
80%
6.19%
£795
4.15%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54952

5 Years
Free Legals
Free Valuation
80%
6.19%
£795
4.15%
4%,4%,3%,3%,2%

Pepper48

(Remortgage only)

Product Code: R54940

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

Pepper48

Product Code: R54949

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

Pepper48

Product Code: R30609

3 Years
Free Legals
-
80%
6.24%
£1495
4.15%
3%,2%,1%

Pepper48

(Remortgage only)

Product Code: R30606

3 Years
Cashback
-
80%
6.24%
£1495
4.15%
3%,2%,1%

Pepper48

Product Code: R25251

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

Pepper48

(Remortgage only)

Product Code: R25242

2 Years
Cashback
-
80%
6.34%
£1495
4.15%
3%,2%

Pepper48

(Remortgage only)

Product Code: R25239

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

Pepper48

Product Code: R25248

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

Pepper48

(Remortgage only)

Product Code: R25236

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

Pepper48

Product Code: R25245

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

Pepper48

Product Code: R54956

5 Years
Free Legals
-
85%
6.44%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper48

(Remortgage only)

Product Code: R54947

5 Years
Cashback
-
85%
6.44%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper48

(Remortgage only)

Product Code: R54944

5 Years
Cashback
Free Valuation
85%
6.59%
£795
4.40%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54953

5 Years
Free Legals
Free Valuation
85%
6.59%
£795
4.40%
4%,4%,3%,3%,2%

Pepper48

Product Code: R54950

5 Years
Free Legals
Free Valuation
85%
6.74%
£0
4.40%
4%,4%,3%,3%,2%

Pepper48

(Remortgage only)

Product Code: R54941

5 Years
Cashback
Free Valuation
85%
6.74%
£0
4.40%
4%,4%,3%,3%,2%

Pepper48

(Remortgage only)

Product Code: R30607

3 Years
Cashback
-
85%
6.64%
£1495
4.40%
3%,2%,1%

Pepper48

Product Code: R30610

3 Years
Free Legals
-
85%
6.64%
£1495
4.40%
3%,2%,1%

Pepper48

Product Code: R25252

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

Pepper48

(Remortgage only)

Product Code: R25243

2 Years
Cashback
-
85%
6.74%
£1495
4.40%
3%,2%

Pepper48

Product Code: R25249

2 Years
Free Legals
Free Valuation
85%
6.89%
£795
4.40%
3%,2%

Pepper48

(Remortgage only)

Product Code: R25240

2 Years
Cashback
Free Valuation
85%
6.89%
£795
4.40%
3%,2%

Pepper48

Product Code: R25246

2 Years
Free Legals
Free Valuation
85%
7.04%
£0
4.40%
3%,2%

Pepper48

(Remortgage only)

Product Code: R25237

2 Years
Cashback
Free Valuation
85%
7.04%
£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: R54972

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

Pepper36 Light

(Remortgage only)

Product Code: R54963

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

Pepper36 Light

Product Code: R54969

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

Pepper36 Light

(Remortgage only)

Product Code: R54960

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

Pepper36 Light

(Remortgage only)

Product Code: R54957

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

Pepper36 Light

Product Code: R54966

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

Pepper36 Light

(Remortgage only)

Product Code: R30611

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

Pepper36 Light

Product Code: R30614

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

Pepper36 Light

Product Code: R25268

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

Pepper36 Light

(Remortgage only)

Product Code: R25259

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

Pepper36 Light

Product Code: R25265

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

Pepper36 Light

(Remortgage only)

Product Code: R25256

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

Pepper36 Light

Product Code: R25262

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

Pepper36 Light

(Remortgage only)

Product Code: R25253

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

Pepper36 Light

(Remortgage only)

Product Code: R54964

5 Years
Cashback
-
80%
6.04%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54973

5 Years
Free Legals
-
80%
6.04%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper36 Light

(Remortgage only)

Product Code: R54961

5 Years
Cashback
Free Valuation
80%
6.19%
£795
4.15%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54970

5 Years
Free Legals
Free Valuation
80%
6.19%
£795
4.15%
4%,4%,3%,3%,2%

Pepper36 Light

(Remortgage only)

Product Code: R54958

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

Pepper36 Light

Product Code: R54967

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

Pepper36 Light

Product Code: R30615

3 Years
Free Legals
-
80%
6.24%
£1495
4.15%
3%,2%,1%

Pepper36 Light

(Remortgage only)

Product Code: R30612

3 Years
Cashback
-
80%
6.24%
£1495
4.15%
3%,2%,1%

Pepper36 Light

Product Code: R25269

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

Pepper36 Light

(Remortgage only)

Product Code: R25260

2 Years
Cashback
-
80%
6.34%
£1495
4.15%
3%,2%

Pepper36 Light

(Remortgage only)

Product Code: R25257

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

Pepper36 Light

Product Code: R25266

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

Pepper36 Light

(Remortgage only)

Product Code: R25254

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

Pepper36 Light

Product Code: R25263

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

Pepper36 Light

Product Code: R54974

5 Years
Free Legals
-
85%
6.49%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper36 Light

(Remortgage only)

Product Code: R54965

5 Years
Cashback
-
85%
6.49%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper36 Light

(Remortgage only)

Product Code: R54962

5 Years
Cashback
Free Valuation
85%
6.64%
£795
4.40%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54971

5 Years
Free Legals
Free Valuation
85%
6.64%
£795
4.40%
4%,4%,3%,3%,2%

Pepper36 Light

Product Code: R54968

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

Pepper36 Light

(Remortgage only)

Product Code: R54959

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

Pepper36 Light

(Remortgage only)

Product Code: R30613

3 Years
Cashback
-
85%
6.64%
£1495
4.40%
3%,2%,1%

Pepper36 Light

Product Code: R30616

3 Years
Free Legals
-
85%
6.64%
£1495
4.40%
3%,2%,1%

Pepper36 Light

Product Code: R25270

2 Years
Free Legals
-
85%
6.79%
£1495
4.40%
3%,2%

Pepper36 Light

(Remortgage only)

Product Code: R25261

2 Years
Cashback
-
85%
6.79%
£1495
4.40%
3%,2%

Pepper36 Light

Product Code: R25267

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

Pepper36 Light

(Remortgage only)

Product Code: R25258

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

Pepper36 Light

Product Code: R25264

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

Pepper36 Light

(Remortgage only)

Product Code: R25255

2 Years
Cashback
Free Valuation
85%
7.09%
£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: R54990

5 Years
Free Legals
-
75%
5.94%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper36

(Remortgage only)

Product Code: R54981

5 Years
Cashback
-
75%
5.94%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54987

5 Years
Free Legals
Free Valuation
75%
6.09%
£795
3.90%
4%,4%,3%,3%,2%

Pepper36

(Remortgage only)

Product Code: R54978

5 Years
Cashback
Free Valuation
75%
6.09%
£795
3.90%
4%,4%,3%,3%,2%

Pepper36

(Remortgage only)

Product Code: R54975

5 Years
Cashback
Free Valuation
75%
6.24%
£0
3.90%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54984

5 Years
Free Legals
Free Valuation
75%
6.24%
£0
3.90%
4%,4%,3%,3%,2%

Pepper36

(Remortgage only)

Product Code: R30617

3 Years
Cashback
-
75%
6.14%
£1495
3.90%
3%,2%,1%

Pepper36

Product Code: R30620

3 Years
Free Legals
-
75%
6.14%
£1495
3.90%
3%,2%,1%

Pepper36

Product Code: R25286

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

Pepper36

(Remortgage only)

Product Code: R25277

2 Years
Cashback
-
75%
6.24%
£1495
3.90%
3%,2%

Pepper36

Product Code: R25283

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

Pepper36

(Remortgage only)

Product Code: R25274

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

Pepper36

Product Code: R25280

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

Pepper36

(Remortgage only)

Product Code: R25271

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

Pepper36

(Remortgage only)

Product Code: R54982

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

Pepper36

Product Code: R54991

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

Pepper36

(Remortgage only)

Product Code: R54979

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

Pepper36

Product Code: R54988

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

Pepper36

(Remortgage only)

Product Code: R54976

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

Pepper36

Product Code: R54985

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

Pepper36

Product Code: R30621

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

Pepper36

(Remortgage only)

Product Code: R30618

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

Pepper36

Product Code: R25287

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

Pepper36

(Remortgage only)

Product Code: R25278

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

Pepper36

(Remortgage only)

Product Code: R25275

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

Pepper36

Product Code: R25284

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

Pepper36

(Remortgage only)

Product Code: R25272

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

Pepper36

Product Code: R25281

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

Pepper36

Product Code: R54992

5 Years
Free Legals
-
85%
6.59%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper36

(Remortgage only)

Product Code: R54983

5 Years
Cashback
-
85%
6.59%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper36

(Remortgage only)

Product Code: R54980

5 Years
Cashback
Free Valuation
85%
6.74%
£795
4.40%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54989

5 Years
Free Legals
Free Valuation
85%
6.74%
£795
4.40%
4%,4%,3%,3%,2%

Pepper36

Product Code: R54986

5 Years
Free Legals
Free Valuation
85%
6.89%
£0
4.40%
4%,4%,3%,3%,2%

Pepper36

(Remortgage only)

Product Code: R54977

5 Years
Cashback
Free Valuation
85%
6.89%
£0
4.40%
4%,4%,3%,3%,2%

Pepper36

(Remortgage only)

Product Code: R30619

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

Pepper36

Product Code: R30622

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

Pepper36

Product Code: R25288

2 Years
Free Legals
-
85%
6.89%
£1495
4.40%
3%,2%

Pepper36

(Remortgage only)

Product Code: R25279

2 Years
Cashback
-
85%
6.89%
£1495
4.40%
3%,2%

Pepper36

Product Code: R25285

2 Years
Free Legals
Free Valuation
85%
7.04%
£795
4.40%
3%,2%

Pepper36

(Remortgage only)

Product Code: R25276

2 Years
Cashback
Free Valuation
85%
7.04%
£795
4.40%
3%,2%

Pepper36

Product Code: R25282

2 Years
Free Legals
Free Valuation
85%
7.19%
£0
4.40%
3%,2%

Pepper36

(Remortgage only)

Product Code: R25273

2 Years
Cashback
Free Valuation
85%
7.19%
£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: R55008

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

Pepper24 Light

(Remortgage only)

Product Code: R54999

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

Pepper24 Light

Product Code: R55005

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

Pepper24 Light

(Remortgage only)

Product Code: R54996

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

Pepper24 Light

(Remortgage only)

Product Code: R54993

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

Pepper24 Light

Product Code: R55002

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

Pepper24 Light

(Remortgage only)

Product Code: R30623

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

Pepper24 Light

Product Code: R30626

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

Pepper24 Light

Product Code: R25304

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

Pepper24 Light

(Remortgage only)

Product Code: R25295

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

Pepper24 Light

Product Code: R25301

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

Pepper24 Light

(Remortgage only)

Product Code: R25292

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

Pepper24 Light

Product Code: R25298

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

Pepper24 Light

(Remortgage only)

Product Code: R25289

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

Pepper24 Light

(Remortgage only)

Product Code: R55000

5 Years
Cashback
-
80%
6.19%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R55009

5 Years
Free Legals
-
80%
6.19%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24 Light

(Remortgage only)

Product Code: R54997

5 Years
Cashback
Free Valuation
80%
6.34%
£795
4.15%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R55006

5 Years
Free Legals
Free Valuation
80%
6.34%
£795
4.15%
4%,4%,3%,3%,2%

Pepper24 Light

(Remortgage only)

Product Code: R54994

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

Pepper24 Light

Product Code: R55003

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

Pepper24 Light

Product Code: R30627

3 Years
Free Legals
-
80%
6.39%
£1495
4.15%
3%,2%,1%

Pepper24 Light

(Remortgage only)

Product Code: R30624

3 Years
Cashback
-
80%
6.39%
£1495
4.15%
3%,2%,1%

Pepper24 Light

Product Code: R25305

2 Years
Free Legals
-
80%
6.49%
£1495
4.15%
3%,2%

Pepper24 Light

(Remortgage only)

Product Code: R25296

2 Years
Cashback
-
80%
6.49%
£1495
4.15%
3%,2%

Pepper24 Light

(Remortgage only)

Product Code: R25293

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

Pepper24 Light

Product Code: R25302

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

Pepper24 Light

(Remortgage only)

Product Code: R25290

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

Pepper24 Light

Product Code: R25299

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

Pepper24 Light

Product Code: R55010

5 Years
Free Legals
-
85%
6.84%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24 Light

(Remortgage only)

Product Code: R55001

5 Years
Cashback
-
85%
6.84%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24 Light

(Remortgage only)

Product Code: R54998

5 Years
Cashback
Free Valuation
85%
6.99%
£795
4.40%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R55007

5 Years
Free Legals
Free Valuation
85%
6.99%
£795
4.40%
4%,4%,3%,3%,2%

Pepper24 Light

Product Code: R55004

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

Pepper24 Light

(Remortgage only)

Product Code: R54995

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

Pepper24 Light

(Remortgage only)

Product Code: R30625

3 Years
Cashback
-
85%
7.14%
£1495
4.40%
3%,2%,1%

Pepper24 Light

Product Code: R30628

3 Years
Free Legals
-
85%
7.14%
£1495
4.40%
3%,2%,1%

Pepper24 Light

Product Code: R25306

2 Years
Free Legals
-
85%
7.24%
£1495
4.40%
3%,2%

Pepper24 Light

(Remortgage only)

Product Code: R25297

2 Years
Cashback
-
85%
7.24%
£1495
4.40%
3%,2%

Pepper24 Light

Product Code: R25303

2 Years
Free Legals
Free Valuation
85%
7.39%
£795
4.40%
3%,2%

Pepper24 Light

(Remortgage only)

Product Code: R25294

2 Years
Cashback
Free Valuation
85%
7.39%
£795
4.40%
3%,2%

Pepper24 Light

Product Code: R25300

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

Pepper24 Light

(Remortgage only)

Product Code: R25291

2 Years
Cashback
Free Valuation
85%
7.54%
£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: R55026

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

Pepper24

(Remortgage only)

Product Code: R55017

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

Pepper24

Product Code: R55023

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

Pepper24

(Remortgage only)

Product Code: R55014

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

Pepper24

(Remortgage only)

Product Code: R55011

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

Pepper24

Product Code: R55020

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

Pepper24

(Remortgage only)

Product Code: R30629

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

Pepper24

Product Code: R30632

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

Pepper24

Product Code: R25322

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

Pepper24

(Remortgage only)

Product Code: R25313

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

Pepper24

Product Code: R25319

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

Pepper24

(Remortgage only)

Product Code: R25310

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

Pepper24

Product Code: R25316

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

Pepper24

(Remortgage only)

Product Code: R25307

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

Pepper24

(Remortgage only)

Product Code: R55018

5 Years
Cashback
-
80%
6.29%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24

Product Code: R55027

5 Years
Free Legals
-
80%
6.29%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24

(Remortgage only)

Product Code: R55015

5 Years
Cashback
Free Valuation
80%
6.44%
£795
4.15%
4%,4%,3%,3%,2%

Pepper24

Product Code: R55024

5 Years
Free Legals
Free Valuation
80%
6.44%
£795
4.15%
4%,4%,3%,3%,2%

Pepper24

(Remortgage only)

Product Code: R55012

5 Years
Cashback
Free Valuation
80%
6.59%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24

Product Code: R55021

5 Years
Free Legals
Free Valuation
80%
6.59%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24

Product Code: R30633

3 Years
Free Legals
-
80%
6.49%
£1495
4.15%
3%,2%,1%

Pepper24

(Remortgage only)

Product Code: R30630

3 Years
Cashback
-
80%
6.49%
£1495
4.15%
3%,2%,1%

Pepper24

Product Code: R25323

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

Pepper24

(Remortgage only)

Product Code: R25314

2 Years
Cashback
-
80%
6.59%
£1495
4.15%
3%,2%

Pepper24

(Remortgage only)

Product Code: R25311

2 Years
Cashback
Free Valuation
80%
6.74%
£795
4.15%
3%,2%

Pepper24

Product Code: R25320

2 Years
Free Legals
Free Valuation
80%
6.74%
£795
4.15%
3%,2%

Pepper24

(Remortgage only)

Product Code: R25308

2 Years
Cashback
Free Valuation
80%
6.89%
£0
4.15%
3%,2%

Pepper24

Product Code: R25317

2 Years
Free Legals
Free Valuation
80%
6.89%
£0
4.15%
3%,2%

Pepper24

Product Code: R55028

5 Years
Free Legals
-
85%
6.94%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24

(Remortgage only)

Product Code: R55019

5 Years
Cashback
-
85%
6.94%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24

(Remortgage only)

Product Code: R55016

5 Years
Cashback
Free Valuation
85%
7.09%
£795
4.40%
4%,4%,3%,3%,2%

Pepper24

Product Code: R55025

5 Years
Free Legals
Free Valuation
85%
7.09%
£795
4.40%
4%,4%,3%,3%,2%

Pepper24

Product Code: R55022

5 Years
Free Legals
Free Valuation
85%
7.24%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24

(Remortgage only)

Product Code: R55013

5 Years
Cashback
Free Valuation
85%
7.24%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24

(Remortgage only)

Product Code: R30631

3 Years
Cashback
-
85%
7.24%
£1495
4.40%
3%,2%,1%

Pepper24

Product Code: R30634

3 Years
Free Legals
-
85%
7.24%
£1495
4.40%
3%,2%,1%

Pepper24

Product Code: R25324

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

Pepper24

(Remortgage only)

Product Code: R25315

2 Years
Cashback
-
85%
7.34%
£1495
4.40%
3%,2%

Pepper24

Product Code: R25321

2 Years
Free Legals
Free Valuation
85%
7.49%
£795
4.40%
3%,2%

Pepper24

(Remortgage only)

Product Code: R25312

2 Years
Cashback
Free Valuation
85%
7.49%
£795
4.40%
3%,2%

Pepper24

Product Code: R25318

2 Years
Free Legals
Free Valuation
85%
7.64%
£0
4.40%
3%,2%

Pepper24

(Remortgage only)

Product Code: R25309

2 Years
Cashback
Free Valuation
85%
7.64%
£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: R55049

5 Years
Free Legals
-
70%
6.25%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55037

5 Years
Cashback
-
70%
6.25%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R55045

5 Years
Free Legals
Free Valuation
70%
6.40%
£795
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55033

5 Years
Cashback
Free Valuation
70%
6.40%
£795
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R55041

5 Years
Free Legals
Free Valuation
70%
6.55%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55029

5 Years
Cashback
Free Valuation
70%
6.55%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25333

2 Years
Cashback
-
70%
6.50%
£1495
4.05%
3%,2%

Pepper18 Light

Product Code: R25345

2 Years
Free Legals
-
70%
6.50%
£1495
4.05%
3%,2%

Pepper18 Light

Product Code: R25341

2 Years
Free Legals
Free Valuation
70%
6.65%
£795
4.05%
3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25329

2 Years
Cashback
Free Valuation
70%
6.65%
£795
4.05%
3%,2%

Pepper18 Light

Product Code: R25337

2 Years
Free Legals
Free Valuation
70%
6.80%
£0
4.05%
3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25325

2 Years
Cashback
Free Valuation
70%
6.80%
£0
4.05%
3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55038

5 Years
Cashback
-
75%
6.30%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R55050

5 Years
Free Legals
-
75%
6.30%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55034

5 Years
Cashback
Free Valuation
75%
6.45%
£795
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R55046

5 Years
Free Legals
Free Valuation
75%
6.45%
£795
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55030

5 Years
Cashback
Free Valuation
75%
6.60%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R55042

5 Years
Free Legals
Free Valuation
75%
6.60%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25334

2 Years
Cashback
-
75%
6.55%
£1495
4.20%
3%,2%

Pepper18 Light

Product Code: R25346

2 Years
Free Legals
-
75%
6.55%
£1495
4.20%
3%,2%

Pepper18 Light

Product Code: R25342

2 Years
Free Legals
Free Valuation
75%
6.70%
£795
4.20%
3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25330

2 Years
Cashback
Free Valuation
75%
6.70%
£795
4.20%
3%,2%

Pepper18 Light

Product Code: R25338

2 Years
Free Legals
Free Valuation
75%
6.85%
£0
4.20%
3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25326

2 Years
Cashback
Free Valuation
75%
6.85%
£0
4.20%
3%,2%

Pepper18 Light

Product Code: R55051

5 Years
Free Legals
-
80%
6.60%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55039

5 Years
Cashback
-
80%
6.60%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R55047

5 Years
Free Legals
Free Valuation
80%
6.75%
£795
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55035

5 Years
Cashback
Free Valuation
80%
6.75%
£795
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55031

5 Years
Cashback
Free Valuation
80%
6.90%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R55043

5 Years
Free Legals
Free Valuation
80%
6.90%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25335

2 Years
Cashback
-
80%
6.95%
£1495
4.45%
3%,2%

Pepper18 Light

Product Code: R25347

2 Years
Free Legals
-
80%
6.95%
£1495
4.45%
3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25331

2 Years
Cashback
Free Valuation
80%
7.10%
£795
4.45%
3%,2%

Pepper18 Light

Product Code: R25343

2 Years
Free Legals
Free Valuation
80%
7.10%
£795
4.45%
3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25327

2 Years
Cashback
Free Valuation
80%
7.25%
£0
4.45%
3%,2%

Pepper18 Light

Product Code: R25339

2 Years
Free Legals
Free Valuation
80%
7.25%
£0
4.45%
3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55040

5 Years
Cashback
-
85%
7.44%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R55052

5 Years
Free Legals
-
85%
7.44%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55036

5 Years
Cashback
Free Valuation
85%
7.59%
£795
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R55048

5 Years
Free Legals
Free Valuation
85%
7.59%
£795
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R55032

5 Years
Cashback
Free Valuation
85%
7.74%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

Product Code: R55044

5 Years
Free Legals
Free Valuation
85%
7.74%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25336

2 Years
Cashback
-
85%
7.54%
£1495
4.70%
3%,2%

Pepper18 Light

Product Code: R25348

2 Years
Free Legals
-
85%
7.54%
£1495
4.70%
3%,2%

Pepper18 Light

Product Code: R25344

2 Years
Free Legals
Free Valuation
85%
7.69%
£795
4.70%
3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25332

2 Years
Cashback
Free Valuation
85%
7.69%
£795
4.70%
3%,2%

Pepper18 Light

Product Code: R25340

2 Years
Free Legals
Free Valuation
85%
7.84%
£0
4.70%
3%,2%

Pepper18 Light

(Remortgage only)

Product Code: R25328

2 Years
Cashback
Free Valuation
85%
7.84%
£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: R55073

5 Years
Free Legals
-
70%
6.35%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R55061

5 Years
Cashback
-
70%
6.35%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18

Product Code: R55069

5 Years
Free Legals
Free Valuation
70%
6.50%
£795
4.05%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R55057

5 Years
Cashback
Free Valuation
70%
6.50%
£795
4.05%
4%,4%,3%,3%,2%

Pepper18

Product Code: R55065

5 Years
Free Legals
Free Valuation
70%
6.65%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R55053

5 Years
Cashback
Free Valuation
70%
6.65%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R25357

2 Years
Cashback
-
70%
6.60%
£1495
4.05%
3%,2%

Pepper18

Product Code: R25369

2 Years
Free Legals
-
70%
6.60%
£1495
4.05%
3%,2%

Pepper18

Product Code: R25365

2 Years
Free Legals
Free Valuation
70%
6.75%
£795
4.05%
3%,2%

Pepper18

(Remortgage only)

Product Code: R25353

2 Years
Cashback
Free Valuation
70%
6.75%
£795
4.05%
3%,2%

Pepper18

Product Code: R25361

2 Years
Free Legals
Free Valuation
70%
6.90%
£0
4.05%
3%,2%

Pepper18

(Remortgage only)

Product Code: R25349

2 Years
Cashback
Free Valuation
70%
6.90%
£0
4.05%
3%,2%

Pepper18

(Remortgage only)

Product Code: R55062

5 Years
Cashback
-
75%
6.40%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18

Product Code: R55074

5 Years
Free Legals
-
75%
6.40%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R55058

5 Years
Cashback
Free Valuation
75%
6.55%
£795
4.20%
4%,4%,3%,3%,2%

Pepper18

Product Code: R55070

5 Years
Free Legals
Free Valuation
75%
6.55%
£795
4.20%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R55054

5 Years
Cashback
Free Valuation
75%
6.70%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18

Product Code: R55066

5 Years
Free Legals
Free Valuation
75%
6.70%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R25358

2 Years
Cashback
-
75%
6.65%
£1495
4.20%
3%,2%

Pepper18

Product Code: R25370

2 Years
Free Legals
-
75%
6.65%
£1495
4.20%
3%,2%

Pepper18

Product Code: R25366

2 Years
Free Legals
Free Valuation
75%
6.80%
£795
4.20%
3%,2%

Pepper18

(Remortgage only)

Product Code: R25354

2 Years
Cashback
Free Valuation
75%
6.80%
£795
4.20%
3%,2%

Pepper18

Product Code: R25362

2 Years
Free Legals
Free Valuation
75%
6.95%
£0
4.20%
3%,2%

Pepper18

(Remortgage only)

Product Code: R25350

2 Years
Cashback
Free Valuation
75%
6.95%
£0
4.20%
3%,2%

Pepper18

Product Code: R55075

5 Years
Free Legals
-
80%
6.70%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R55063

5 Years
Cashback
-
80%
6.70%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18

Product Code: R55071

5 Years
Free Legals
Free Valuation
80%
6.85%
£795
4.45%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R55059

5 Years
Cashback
Free Valuation
80%
6.85%
£795
4.45%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R55055

5 Years
Cashback
Free Valuation
80%
7.00%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18

Product Code: R55067

5 Years
Free Legals
Free Valuation
80%
7.00%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R25359

2 Years
Cashback
-
80%
7.05%
£1495
4.45%
3%,2%

Pepper18

Product Code: R25371

2 Years
Free Legals
-
80%
7.05%
£1495
4.45%
3%,2%

Pepper18

(Remortgage only)

Product Code: R25355

2 Years
Cashback
Free Valuation
80%
7.20%
£795
4.45%
3%,2%

Pepper18

Product Code: R25367

2 Years
Free Legals
Free Valuation
80%
7.20%
£795
4.45%
3%,2%

Pepper18

(Remortgage only)

Product Code: R25351

2 Years
Cashback
Free Valuation
80%
7.35%
£0
4.45%
3%,2%

Pepper18

Product Code: R25363

2 Years
Free Legals
Free Valuation
80%
7.35%
£0
4.45%
3%,2%

Pepper18

(Remortgage only)

Product Code: R55064

5 Years
Cashback
-
85%
7.54%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18

Product Code: R55076

5 Years
Free Legals
-
85%
7.54%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R55060

5 Years
Cashback
Free Valuation
85%
7.69%
£795
4.70%
4%,4%,3%,3%,2%

Pepper18

Product Code: R55072

5 Years
Free Legals
Free Valuation
85%
7.69%
£795
4.70%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R55056

5 Years
Cashback
Free Valuation
85%
7.84%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18

Product Code: R55068

5 Years
Free Legals
Free Valuation
85%
7.84%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18

(Remortgage only)

Product Code: R25360

2 Years
Cashback
-
85%
7.64%
£1495
4.70%
3%,2%

Pepper18

Product Code: R25372

2 Years
Free Legals
-
85%
7.64%
£1495
4.70%
3%,2%

Pepper18

Product Code: R25368

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

Pepper18

(Remortgage only)

Product Code: R25356

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

Pepper18

Product Code: R25364

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

Pepper18

(Remortgage only)

Product Code: R25352

2 Years
Cashback
Free Valuation
85%
7.94%
£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: R55097

5 Years
Free Legals
-
70%
6.40%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55085

5 Years
Cashback
-
70%
6.40%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R55093

5 Years
Free Legals
Free Valuation
70%
6.55%
£795
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55081

5 Years
Cashback
Free Valuation
70%
6.55%
£795
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R55089

5 Years
Free Legals
Free Valuation
70%
6.70%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55077

5 Years
Cashback
Free Valuation
70%
6.70%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R25381

2 Years
Cashback
-
70%
6.65%
£1495
4.35%
3%,2%

Pepper12 Light

Product Code: R25393

2 Years
Free Legals
-
70%
6.65%
£1495
4.35%
3%,2%

Pepper12 Light

Product Code: R25389

2 Years
Free Legals
Free Valuation
70%
6.80%
£795
4.35%
3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R25377

2 Years
Cashback
Free Valuation
70%
6.80%
£795
4.35%
3%,2%

Pepper12 Light

Product Code: R25385

2 Years
Free Legals
Free Valuation
70%
6.95%
£0
4.35%
3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R25373

2 Years
Cashback
Free Valuation
70%
6.95%
£0
4.35%
3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55086

5 Years
Cashback
-
75%
6.45%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R55098

5 Years
Free Legals
-
75%
6.45%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55082

5 Years
Cashback
Free Valuation
75%
6.60%
£795
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R55094

5 Years
Free Legals
Free Valuation
75%
6.60%
£795
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55078

5 Years
Cashback
Free Valuation
75%
6.75%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R55090

5 Years
Free Legals
Free Valuation
75%
6.75%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R25382

2 Years
Cashback
-
75%
6.70%
£1495
4.60%
3%,2%

Pepper12 Light

Product Code: R25394

2 Years
Free Legals
-
75%
6.70%
£1495
4.60%
3%,2%

Pepper12 Light

Product Code: R25390

2 Years
Free Legals
Free Valuation
75%
6.85%
£795
4.60%
3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R25378

2 Years
Cashback
Free Valuation
75%
6.85%
£795
4.60%
3%,2%

Pepper12 Light

Product Code: R25386

2 Years
Free Legals
Free Valuation
75%
7.00%
£0
4.60%
3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R25374

2 Years
Cashback
Free Valuation
75%
7.00%
£0
4.60%
3%,2%

Pepper12 Light

Product Code: R55099

5 Years
Free Legals
-
80%
6.75%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55087

5 Years
Cashback
-
80%
6.75%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R55095

5 Years
Free Legals
Free Valuation
80%
6.90%
£795
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55083

5 Years
Cashback
Free Valuation
80%
6.90%
£795
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55079

5 Years
Cashback
Free Valuation
80%
7.05%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R55091

5 Years
Free Legals
Free Valuation
80%
7.05%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R25383

2 Years
Cashback
-
80%
7.10%
£1495
4.85%
3%,2%

Pepper12 Light

Product Code: R25395

2 Years
Free Legals
-
80%
7.10%
£1495
4.85%
3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R25379

2 Years
Cashback
Free Valuation
80%
7.25%
£795
4.85%
3%,2%

Pepper12 Light

Product Code: R25391

2 Years
Free Legals
Free Valuation
80%
7.25%
£795
4.85%
3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R25375

2 Years
Cashback
Free Valuation
80%
7.40%
£0
4.85%
3%,2%

Pepper12 Light

Product Code: R25387

2 Years
Free Legals
Free Valuation
80%
7.40%
£0
4.85%
3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55088

5 Years
Cashback
-
85%
7.60%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R55100

5 Years
Free Legals
-
85%
7.60%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55084

5 Years
Cashback
Free Valuation
85%
7.75%
£795
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R55096

5 Years
Free Legals
Free Valuation
85%
7.75%
£795
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R55080

5 Years
Cashback
Free Valuation
85%
7.90%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

Product Code: R55092

5 Years
Free Legals
Free Valuation
85%
7.90%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12 Light

(Remortgage only)

Product Code: R25384

2 Years
Cashback
-
85%
7.80%
£1495
5.00%
3%,2%

Pepper12 Light

Product Code: R25396

2 Years
Free Legals
-
85%
7.80%
£1495
5.00%
3%,2%

Pepper12 Light

Product Code: R25392

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

Pepper12 Light

(Remortgage only)

Product Code: R25380

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

Pepper12 Light

Product Code: R25388

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

Pepper12 Light

(Remortgage only)

Product Code: R25376

2 Years
Cashback
Free Valuation
85%
8.10%
£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: R55121

5 Years
Free Legals
-
70%
6.50%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R55109

5 Years
Cashback
-
70%
6.50%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12

Product Code: R55117

5 Years
Free Legals
Free Valuation
70%
6.65%
£795
4.35%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R55105

5 Years
Cashback
Free Valuation
70%
6.65%
£795
4.35%
4%,4%,3%,3%,2%

Pepper12

Product Code: R55113

5 Years
Free Legals
Free Valuation
70%
6.80%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R55101

5 Years
Cashback
Free Valuation
70%
6.80%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R25405

2 Years
Cashback
-
70%
6.75%
£1495
4.35%
3%,2%

Pepper12

Product Code: R25417

2 Years
Free Legals
-
70%
6.75%
£1495
4.35%
3%,2%

Pepper12

Product Code: R25413

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

Pepper12

(Remortgage only)

Product Code: R25401

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

Pepper12

Product Code: R25409

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

Pepper12

(Remortgage only)

Product Code: R25397

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

Pepper12

(Remortgage only)

Product Code: R55110

5 Years
Cashback
-
75%
6.55%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12

Product Code: R55122

5 Years
Free Legals
-
75%
6.55%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R55106

5 Years
Cashback
Free Valuation
75%
6.70%
£795
4.60%
4%,4%,3%,3%,2%

Pepper12

Product Code: R55118

5 Years
Free Legals
Free Valuation
75%
6.70%
£795
4.60%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R55102

5 Years
Cashback
Free Valuation
75%
6.85%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12

Product Code: R55114

5 Years
Free Legals
Free Valuation
75%
6.85%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R25406

2 Years
Cashback
-
75%
6.80%
£1495
4.60%
3%,2%

Pepper12

Product Code: R25418

2 Years
Free Legals
-
75%
6.80%
£1495
4.60%
3%,2%

Pepper12

Product Code: R25414

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

Pepper12

(Remortgage only)

Product Code: R25402

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

Pepper12

Product Code: R25410

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

Pepper12

(Remortgage only)

Product Code: R25398

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

Pepper12

Product Code: R55123

5 Years
Free Legals
-
80%
6.85%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R55111

5 Years
Cashback
-
80%
6.85%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12

Product Code: R55119

5 Years
Free Legals
Free Valuation
80%
7.00%
£795
4.85%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R55107

5 Years
Cashback
Free Valuation
80%
7.00%
£795
4.85%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R55103

5 Years
Cashback
Free Valuation
80%
7.15%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12

Product Code: R55115

5 Years
Free Legals
Free Valuation
80%
7.15%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R25407

2 Years
Cashback
-
80%
7.20%
£1495
4.85%
3%,2%

Pepper12

Product Code: R25419

2 Years
Free Legals
-
80%
7.20%
£1495
4.85%
3%,2%

Pepper12

(Remortgage only)

Product Code: R25403

2 Years
Cashback
Free Valuation
80%
7.35%
£795
4.85%
3%,2%

Pepper12

Product Code: R25415

2 Years
Free Legals
Free Valuation
80%
7.35%
£795
4.85%
3%,2%

Pepper12

(Remortgage only)

Product Code: R25399

2 Years
Cashback
Free Valuation
80%
7.50%
£0
4.85%
3%,2%

Pepper12

Product Code: R25411

2 Years
Free Legals
Free Valuation
80%
7.50%
£0
4.85%
3%,2%

Pepper12

(Remortgage only)

Product Code: R55112

5 Years
Cashback
-
85%
7.70%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12

Product Code: R55124

5 Years
Free Legals
-
85%
7.70%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R55108

5 Years
Cashback
Free Valuation
85%
7.85%
£795
5.00%
4%,4%,3%,3%,2%

Pepper12

Product Code: R55120

5 Years
Free Legals
Free Valuation
85%
7.85%
£795
5.00%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R55104

5 Years
Cashback
Free Valuation
85%
8.00%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12

Product Code: R55116

5 Years
Free Legals
Free Valuation
85%
8.00%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12

(Remortgage only)

Product Code: R25408

2 Years
Cashback
-
85%
7.90%
£1495
5.00%
3%,2%

Pepper12

Product Code: R25420

2 Years
Free Legals
-
85%
7.90%
£1495
5.00%
3%,2%

Pepper12

Product Code: R25416

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

Pepper12

(Remortgage only)

Product Code: R25404

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

Pepper12

Product Code: R25412

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

Pepper12

(Remortgage only)

Product Code: R25400

2 Years
Cashback
Free Valuation
85%
8.20%
£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: R55140

5 Years
Free Legals
-
70%
6.55%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55131

5 Years
Cashback
-
70%
6.55%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55128

5 Years
Cashback
Free Valuation
70%
6.70%
£795
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R55137

5 Years
Free Legals
Free Valuation
70%
6.70%
£795
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55125

5 Years
Cashback
Free Valuation
70%
6.85%
£0
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R55134

5 Years
Free Legals
Free Valuation
70%
6.85%
£0
4.35%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25436

2 Years
Free Legals
-
70%
6.80%
£1495
4.35%
3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25427

2 Years
Cashback
-
70%
6.80%
£1495
4.35%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25433

2 Years
Free Legals
Free Valuation
70%
6.95%
£795
4.35%
3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25424

2 Years
Cashback
Free Valuation
70%
6.95%
£795
4.35%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25430

2 Years
Free Legals
Free Valuation
70%
7.10%
£0
4.35%
3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25421

2 Years
Cashback
Free Valuation
70%
7.10%
£0
4.35%
3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55132

5 Years
Cashback
-
75%
6.60%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R55141

5 Years
Free Legals
-
75%
6.60%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R55138

5 Years
Free Legals
Free Valuation
75%
6.75%
£795
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55129

5 Years
Cashback
Free Valuation
75%
6.75%
£795
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55126

5 Years
Cashback
Free Valuation
75%
6.90%
£0
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R55135

5 Years
Free Legals
Free Valuation
75%
6.90%
£0
4.60%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25437

2 Years
Free Legals
-
75%
6.85%
£1495
4.60%
3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25428

2 Years
Cashback
-
75%
6.85%
£1495
4.60%
3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25425

2 Years
Cashback
Free Valuation
75%
7.00%
£795
4.60%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25434

2 Years
Free Legals
Free Valuation
75%
7.00%
£795
4.60%
3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25422

2 Years
Cashback
Free Valuation
75%
7.15%
£0
4.60%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25431

2 Years
Free Legals
Free Valuation
75%
7.15%
£0
4.60%
3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R55142

5 Years
Free Legals
-
80%
7.10%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55133

5 Years
Cashback
-
80%
7.10%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R55139

5 Years
Free Legals
Free Valuation
80%
7.25%
£795
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55130

5 Years
Cashback
Free Valuation
80%
7.25%
£795
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R55136

5 Years
Free Legals
Free Valuation
80%
7.40%
£0
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55127

5 Years
Cashback
Free Valuation
80%
7.40%
£0
4.85%
4%,4%,3%,3%,2%

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25438

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

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25429

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

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25435

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

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25426

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

Pepper6 Light

(Secured Missed Payments 0 in 12 months)

Product Code: R25432

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

Pepper6 Light

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25423

2 Years
Cashback
Free Valuation
80%
7.60%
£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: R55158

5 Years
Free Legals
-
70%
6.65%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55149

5 Years
Cashback
-
70%
6.65%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55146

5 Years
Cashback
Free Valuation
70%
6.80%
£795
4.35%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R55155

5 Years
Free Legals
Free Valuation
70%
6.80%
£795
4.35%
4%,4%,3%,3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55143

5 Years
Cashback
Free Valuation
70%
6.95%
£0
4.35%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R55152

5 Years
Free Legals
Free Valuation
70%
6.95%
£0
4.35%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25454

2 Years
Free Legals
-
70%
6.90%
£1495
4.35%
3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25445

2 Years
Cashback
-
70%
6.90%
£1495
4.35%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25451

2 Years
Free Legals
Free Valuation
70%
7.05%
£795
4.35%
3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25442

2 Years
Cashback
Free Valuation
70%
7.05%
£795
4.35%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25448

2 Years
Free Legals
Free Valuation
70%
7.20%
£0
4.35%
3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25439

2 Years
Cashback
Free Valuation
70%
7.20%
£0
4.35%
3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55150

5 Years
Cashback
-
75%
6.70%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R55159

5 Years
Free Legals
-
75%
6.70%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R55156

5 Years
Free Legals
Free Valuation
75%
6.85%
£795
4.60%
4%,4%,3%,3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55147

5 Years
Cashback
Free Valuation
75%
6.85%
£795
4.60%
4%,4%,3%,3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55144

5 Years
Cashback
Free Valuation
75%
7.00%
£0
4.60%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R55153

5 Years
Free Legals
Free Valuation
75%
7.00%
£0
4.60%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25455

2 Years
Free Legals
-
75%
6.95%
£1495
4.60%
3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25446

2 Years
Cashback
-
75%
6.95%
£1495
4.60%
3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25443

2 Years
Cashback
Free Valuation
75%
7.10%
£795
4.60%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25452

2 Years
Free Legals
Free Valuation
75%
7.10%
£795
4.60%
3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25440

2 Years
Cashback
Free Valuation
75%
7.25%
£0
4.60%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25449

2 Years
Free Legals
Free Valuation
75%
7.25%
£0
4.60%
3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R55160

5 Years
Free Legals
-
80%
7.20%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55151

5 Years
Cashback
-
80%
7.20%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R55157

5 Years
Free Legals
Free Valuation
80%
7.35%
£795
4.85%
4%,4%,3%,3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55148

5 Years
Cashback
Free Valuation
80%
7.35%
£795
4.85%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R55154

5 Years
Free Legals
Free Valuation
80%
7.50%
£0
4.85%
4%,4%,3%,3%,2%

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R55145

5 Years
Cashback
Free Valuation
80%
7.50%
£0
4.85%
4%,4%,3%,3%,2%

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25456

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

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25447

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

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25453

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

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25444

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

Pepper6

(Secured Missed Payments 0 in 12 months)

Product Code: R25450

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

Pepper6

(Remortgage only)

(Secured Missed Payments 0 in 12 months)

Product Code: R25441

2 Years
Cashback
Free Valuation
80%
7.70%
£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

Residential - Limited Edition (Remortgages Only)

Pepper48 Light Limited Edition - (remortgage only) - 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 +)

2 Years
Cashback
Free Valuation
85%
6.79%
£995
4.40%
3%,2%

No App Fee
*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 Limited Edition - (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 +)

2 Years
Cashback
Free Valuation
85%
6.89%
£995
4.40%
3%,2%

No App Fee
*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 Limited Edition - (remortgage only) - 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 +)

2 Years
Cashback
Free Valuation
85%
6.94%
£995
4.40%
3%,2%

No App Fee
*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 Limited Edition - (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 +)

2 Years
Cashback
Free Valuation
85%
7.04%
£995
4.40%
3%,2%

No App Fee
*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

Try our Residential affordability calculator

Looking to find out how much your client could borrow? Our residential calculator has been built with you in mind.

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 +)

2 Years
Free Legals
Free Valuation
85%
6.74%
£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 +)

2 Years
Free Legals
Free Valuation
85%
6.89%
£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 +)

2 Years
Free Legals
Free Valuation
85%
7.34%
£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

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

(Remortgage only)

Product Code: RD50953

5 Years
Cashback
-
75%
6.44%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50959

5 Years
Free Legals
-
75%
6.44%
£1495
3.90%
4%,4%,3%,3%,2%

Pepper24 DMP

(Remortgage only)

Product Code: RD50950

5 Years
Cashback
Free Valuation
75%
6.74%
£0
3.90%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50956

5 Years
Free Legals
Free Valuation
75%
6.74%
£0
3.90%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD30084

3 Years
Free Legals
-
75%
6.64%
£1495
3.90%
3%,2%,1%

Pepper24 DMP

(Remortgage only)

Product Code: RD30081

3 Years
Cashback
-
75%
6.64%
£1495
3.90%
3%,2%,1%

Pepper24 DMP

Product Code: RD21069

2 Years
Free Legals
-
75%
6.74%
£1495
3.90%
3%,2%

Pepper24 DMP

(Remortgage only)

Product Code: RD21063

2 Years
Cashback
-
75%
6.74%
£1495
3.90%
3%,2%

Pepper24 DMP

Product Code: RD21066

2 Years
Free Legals
Free Valuation
75%
7.04%
£0
3.90%
3%,2%

Pepper24 DMP

(Remortgage only)

Product Code: RD21060

2 Years
Cashback
Free Valuation
75%
7.04%
£0
3.90%
3%,2%

Pepper24 DMP

(Remortgage only)

Product Code: RD50954

5 Years
Cashback
-
80%
6.59%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50960

5 Years
Free Legals
-
80%
6.59%
£1495
4.15%
4%,4%,3%,3%,2%

Pepper24 DMP

(Remortgage only)

Product Code: RD50951

5 Years
Cashback
Free Valuation
80%
6.89%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50957

5 Years
Free Legals
Free Valuation
80%
6.89%
£0
4.15%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD30085

3 Years
Free Legals
-
80%
6.79%
£1495
4.15%
3%,2%,1%

Pepper24 DMP

(Remortgage only)

Product Code: RD30082

3 Years
Cashback
-
80%
6.79%
£1495
4.15%
3%,2%,1%

Pepper24 DMP

(Remortgage only)

Product Code: RD21064

2 Years
Cashback
-
80%
6.89%
£1495
4.15%
3%,2%

Pepper24 DMP

Product Code: RD21070

2 Years
Free Legals
-
80%
6.89%
£1495
4.15%
3%,2%

Pepper24 DMP

(Remortgage only)

Product Code: RD21061

2 Years
Cashback
Free Valuation
80%
7.19%
£0
4.15%
3%,2%

Pepper24 DMP

Product Code: RD21067

2 Years
Free Legals
Free Valuation
80%
7.19%
£0
4.15%
3%,2%

Pepper24 DMP

Product Code: RD50961

5 Years
Free Legals
-
85%
7.24%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24 DMP

(Remortgage only)

Product Code: RD50955

5 Years
Cashback
-
85%
7.24%
£1495
4.40%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD50958

5 Years
Free Legals
Free Valuation
85%
7.54%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24 DMP

(Remortgage only)

Product Code: RD50952

5 Years
Cashback
Free Valuation
85%
7.54%
£0
4.40%
4%,4%,3%,3%,2%

Pepper24 DMP

Product Code: RD30086

3 Years
Free Legals
-
85%
7.54%
£1495
4.40%
3%,2%,1%

Pepper24 DMP

(Remortgage only)

Product Code: RD30083

3 Years
Cashback
-
85%
7.54%
£1495
4.40%
3%,2%,1%

Pepper24 DMP

Product Code: RD21071

2 Years
Free Legals
-
85%
7.64%
£1495
4.40%
3%,2%

Pepper24 DMP

(Remortgage only)

Product Code: RD21065

2 Years
Cashback
-
85%
7.64%
£1495
4.40%
3%,2%

Pepper24 DMP

Product Code: RD21068

2 Years
Free Legals
Free Valuation
85%
7.94%
£0
4.40%
3%,2%

Pepper24 DMP

(Remortgage only)

Product Code: RD21062

2 Years
Cashback
Free Valuation
85%
7.94%
£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

(Remortgage only)

Product Code: RD50966

5 Years
Cashback
-
70%
6.65%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50974

5 Years
Free Legals
-
70%
6.65%
£1495
4.05%
4%,4%,3%,3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD50962

5 Years
Cashback
Free Valuation
70%
6.95%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50970

5 Years
Free Legals
Free Valuation
70%
6.95%
£0
4.05%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD30091

3 Years
Free Legals
-
70%
6.80%
£1495
4.05%
3%,2%,1%

Pepper18 DMP

(Remortgage only)

Product Code: RD30087

3 Years
Cashback
-
70%
6.80%
£1495
4.05%
3%,2%,1%

Pepper18 DMP

Product Code: RD21084

2 Years
Free Legals
-
70%
6.90%
£1495
4.05%
3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD21076

2 Years
Cashback
-
70%
6.90%
£1495
4.05%
3%,2%

Pepper18 DMP

Product Code: RD21080

2 Years
Free Legals
Free Valuation
70%
7.20%
£0
4.05%
3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD21072

2 Years
Cashback
Free Valuation
70%
7.20%
£0
4.05%
3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD50967

5 Years
Cashback
-
75%
6.70%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50975

5 Years
Free Legals
-
75%
6.70%
£1495
4.20%
4%,4%,3%,3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD50963

5 Years
Cashback
Free Valuation
75%
7.00%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50971

5 Years
Free Legals
Free Valuation
75%
7.00%
£0
4.20%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD30092

3 Years
Free Legals
-
75%
6.85%
£1495
4.20%
3%,2%,1%

Pepper18 DMP

(Remortgage only)

Product Code: RD30088

3 Years
Cashback
-
75%
6.85%
£1495
4.20%
3%,2%,1%

Pepper18 DMP

(Remortgage only)

Product Code: RD21077

2 Years
Cashback
-
75%
6.95%
£1495
4.20%
3%,2%

Pepper18 DMP

Product Code: RD21085

2 Years
Free Legals
-
75%
6.95%
£1495
4.20%
3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD21073

2 Years
Cashback
Free Valuation
75%
7.25%
£0
4.20%
3%,2%

Pepper18 DMP

Product Code: RD21081

2 Years
Free Legals
Free Valuation
75%
7.25%
£0
4.20%
3%,2%

Pepper18 DMP

Product Code: RD50976

5 Years
Free Legals
-
80%
7.00%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD50968

5 Years
Cashback
-
80%
7.00%
£1495
4.45%
4%,4%,3%,3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD50964

5 Years
Cashback
Free Valuation
80%
7.30%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50972

5 Years
Free Legals
Free Valuation
80%
7.30%
£0
4.45%
4%,4%,3%,3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD30089

3 Years
Cashback
-
80%
7.25%
£1495
4.45%
3%,2%,1%

Pepper18 DMP

Product Code: RD30093

3 Years
Free Legals
-
80%
7.25%
£1495
4.45%
3%,2%,1%

Pepper18 DMP

Product Code: RD21086

2 Years
Free Legals
-
80%
7.35%
£1495
4.45%
3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD21078

2 Years
Cashback
-
80%
7.35%
£1495
4.45%
3%,2%

Pepper18 DMP

Product Code: RD21082

2 Years
Free Legals
Free Valuation
80%
7.65%
£0
4.45%
3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD21074

2 Years
Cashback
Free Valuation
80%
7.65%
£0
4.45%
3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD50969

5 Years
Cashback
-
85%
7.84%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50977

5 Years
Free Legals
-
85%
7.84%
£1495
4.70%
4%,4%,3%,3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD50965

5 Years
Cashback
Free Valuation
85%
8.14%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD50973

5 Years
Free Legals
Free Valuation
85%
8.14%
£0
4.70%
4%,4%,3%,3%,2%

Pepper18 DMP

Product Code: RD30094

3 Years
Free Legals
-
85%
7.89%
£1495
4.70%
3%,2%,1%

Pepper18 DMP

(Remortgage only)

Product Code: RD30090

3 Years
Cashback
-
85%
7.89%
£1495
4.70%
3%,2%,1%

Pepper18 DMP

(Remortgage only)

Product Code: RD21079

2 Years
Cashback
-
85%
7.94%
£1495
4.70%
3%,2%

Pepper18 DMP

Product Code: RD21087

2 Years
Free Legals
-
85%
7.94%
£1495
4.70%
3%,2%

Pepper18 DMP

(Remortgage only)

Product Code: RD21075

2 Years
Cashback
Free Valuation
85%
8.24%
£0
4.70%
3%,2%

Pepper18 DMP

Product Code: RD21083

2 Years
Free Legals
Free Valuation
85%
8.24%
£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

(Remortgage only)

Product Code: RD50982

5 Years
Cashback
-
70%
6.80%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50990

5 Years
Free Legals
-
70%
6.80%
£1495
4.35%
4%,4%,3%,3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD50978

5 Years
Cashback
Free Valuation
70%
7.10%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50986

5 Years
Free Legals
Free Valuation
70%
7.10%
£0
4.35%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD30099

3 Years
Free Legals
-
70%
6.95%
£1495
4.35%
3%,2%,1%

Pepper12 DMP

(Remortgage only)

Product Code: RD30095

3 Years
Cashback
-
70%
6.95%
£1495
4.35%
3%,2%,1%

Pepper12 DMP

Product Code: RD21100

2 Years
Free Legals
-
70%
7.05%
£1495
4.35%
3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD21092

2 Years
Cashback
-
70%
7.05%
£1495
4.35%
3%,2%

Pepper12 DMP

Product Code: RD21096

2 Years
Free Legals
Free Valuation
70%
7.35%
£0
4.35%
3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD21088

2 Years
Cashback
Free Valuation
70%
7.35%
£0
4.35%
3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD50983

5 Years
Cashback
-
75%
6.85%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50991

5 Years
Free Legals
-
75%
6.85%
£1495
4.60%
4%,4%,3%,3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD50979

5 Years
Cashback
Free Valuation
75%
7.15%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50987

5 Years
Free Legals
Free Valuation
75%
7.15%
£0
4.60%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD30100

3 Years
Free Legals
-
75%
7.00%
£1495
4.60%
3%,2%,1%

Pepper12 DMP

(Remortgage only)

Product Code: RD30096

3 Years
Cashback
-
75%
7.00%
£1495
4.60%
3%,2%,1%

Pepper12 DMP

(Remortgage only)

Product Code: RD21093

2 Years
Cashback
-
75%
7.10%
£1495
4.60%
3%,2%

Pepper12 DMP

Product Code: RD21101

2 Years
Free Legals
-
75%
7.10%
£1495
4.60%
3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD21089

2 Years
Cashback
Free Valuation
75%
7.40%
£0
4.60%
3%,2%

Pepper12 DMP

Product Code: RD21097

2 Years
Free Legals
Free Valuation
75%
7.40%
£0
4.60%
3%,2%

Pepper12 DMP

Product Code: RD50992

5 Years
Free Legals
-
80%
7.15%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD50984

5 Years
Cashback
-
80%
7.15%
£1495
4.85%
4%,4%,3%,3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD50980

5 Years
Cashback
Free Valuation
80%
7.45%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50988

5 Years
Free Legals
Free Valuation
80%
7.45%
£0
4.85%
4%,4%,3%,3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD30097

3 Years
Cashback
-
80%
7.40%
£1495
4.85%
3%,2%,1%

Pepper12 DMP

Product Code: RD30101

3 Years
Free Legals
-
80%
7.40%
£1495
4.85%
3%,2%,1%

Pepper12 DMP

Product Code: RD21102

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

Pepper12 DMP

(Remortgage only)

Product Code: RD21094

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

Pepper12 DMP

Product Code: RD21098

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

Pepper12 DMP

(Remortgage only)

Product Code: RD21090

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

Pepper12 DMP

(Remortgage only)

Product Code: RD50985

5 Years
Cashback
-
85%
8.00%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50993

5 Years
Free Legals
-
85%
8.00%
£1495
5.00%
4%,4%,3%,3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD50981

5 Years
Cashback
Free Valuation
85%
8.30%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD50989

5 Years
Free Legals
Free Valuation
85%
8.30%
£0
5.00%
4%,4%,3%,3%,2%

Pepper12 DMP

Product Code: RD30102

3 Years
Free Legals
-
85%
8.10%
£1495
5.00%
3%,2%,1%

Pepper12 DMP

(Remortgage only)

Product Code: RD30098

3 Years
Cashback
-
85%
8.10%
£1495
5.00%
3%,2%,1%

Pepper12 DMP

(Remortgage only)

Product Code: RD21095

2 Years
Cashback
-
85%
8.20%
£1495
5.00%
3%,2%

Pepper12 DMP

Product Code: RD21103

2 Years
Free Legals
-
85%
8.20%
£1495
5.00%
3%,2%

Pepper12 DMP

(Remortgage only)

Product Code: RD21091

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

Pepper12 DMP

Product Code: RD21099

2 Years
Free Legals
Free Valuation
85%
8.50%
£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

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: RB50039

5 Years
-
-
75%
7.14%
£1295
4.60%
4%,4%,3%,3%,2%

Pepper24 Bankruptcy and IVA

Product Code: RB20039

2 Years
-
-
75%
7.44%
£1295
4.60%
3%,2%

Application fee = £150

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: RB50040

5 Years
-
-
75%
7.55%
£1295
4.60%
4%,4%,3%,3%,2%

Pepper12 Bankruptcy and IVA

Product Code: RB20040

2 Years
-
-
75%
7.80%
£1295
4.60%
3%,2%

Application fee = £150

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

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

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.

Number of applicants *

1 2

Purchase or Remortgage *

Purchase price *

Deposit amount *

Estimated property value *

Loan required *

LTV

Select a product *

What term (years) is your customer looking for? * 30

Please complete all fields

Applicant One

Income Type *

Basic Employed Salary *

Income Type

Basic Employed Salary

Overtime

Bonus or Commission**

Car allowance

Maintenance Income

Allowable Income***

Rental Income

Total Gross Annual Income

Total Gross Monthly Income

Please complete all fields Total income must be a minimum of £18,000

Applicant Two

Income Type

Basic Employed Salary

Income Type

Basic Employed Salary

Overtime

Bonus or Commission**

Car allowance

Maintenance Income

Allowable Income***

Rental Income

Total Gross Annual Income

Total Gross Monthly Income

Total combined income between both applicants must be a minimum of £18,000

Applicant One

Mortgages or secured loans

Loans or hire purchase

Credit or store cards (Balance)

Overdraft balance

School fees

Maintenance

Student loan

Other

Total monthly commitments

Please complete all fields

Applicant Two

Mortgages or secured loans

Loans or hire purchase

Credit or store cards (Balance)

Overdraft balance

School fees

Maintenance

Student loan

Other

Total monthly commitments

Please complete all fields

Housekeeping

Utilities

Telephone

Council tax

Buildings insurance

Ground rent

Leasehold service charges

Essential travel

Clothing

Personal goods

Household goods

Basic recreation

Please complete all fields

Welcome

Our Residential Mortgages calculator will help to give you an indication of how much we could lend your customer(s). Simply tell us their basic information to get a maximum loan amount or if you know their commitments and expenditure include that to get a more comprehensive result. Either way it's quick and simple to use.

For every calculation we’ll show you the maximum amount your customer(s) could borrow on both a 2 and 5 year product. Simply select the tier they fit - for more information about our tiers please view our Residential Product page.

For Family or Landlord Concessionary Purchase applications, please note that we have a maximum LTV of 75% and a maximum LtPP of 100%. For these cases, please input the full market value of the property in the 'Purchase Price' field and the discount plus any deposit in the 'Deposit Amount' field.

If you have any questions, pick up the phone and give our sales team a call on 03333 701 101, Option 1, Monday to Friday between 9am and 5.00pm.

We'll use the details you enter on this screen to automatically calculate the loan size required, but please bear in mind this does not take into account any fees. If your customer(s) are looking to raise capital or consolidate debts please increase the purchase price for purchases or the loan required value for a remortgage to reflect this. If they don't currently have a mortgage but already own the property and are looking to refinance, please select Remortgage. We allow capital raising for most legal purposes.

We have a maximum loan size of £1m for cases below 75% LTV and up to £750,000 for cases above this up to the maximum LTV available on each product tier.

Select the tier your customer(s) falls under. Our tiers are named after how long since their last CCJ or Default was registered. For example, if the last CCJ or Default was registered over 6 months ago but less than 12 months ago, they'd be suitable for our Pepper 6 tier.

You'll also need to consider mortgage, secured and unsecured arrears when selecting a product tier. So, if you're unsure which product to select, visit our Residential Products page to find out more.

We'll use the rest of the information to pick the appropriate product details for the calculation.

Income

We need the total income from your customer(s) to be a minimum of £18,000.

All income must be annualised.

For information on allowable income please review our Policy on Income document. Please note applications where income is made up primarily of benefits and maintenance are unacceptable.

*Please enter values to the nearest pound

** Please only input 50% of income identified as quarterly or annual bonus payment in this field. 100% can be used for monthly bonus payment

***Allowable income includes Universal Credit; Income Disability Living Allowance; Child Benefit; Child Tax Credits; Working Tax Credits; Pension Credit; and Pension (War Disablement)

Commitments

0 in 36 months

Mortgage/Secured Arrears

0 in 36 months (No arrears balance in last 6 months)

Unsecured Arrears

Fixed term - None in the last 6 months

For customers who haven't had a default in the last 48 months.

CCJs

Defaults

0 in 48 months

Mortgage/Secured Arrears

0 in 48 months (No arrears balance in last 6 months)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

Pepper 12 DMP

For clients who are in a Debt Management Plan (DMP) or have satisfied one in the last 12 months.

CCJs/Defaults

0 in 12 months

Mortgage/Secured Arrears

0 in 12 months (No arrears balance in last 6 months)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

Pepper 18 DMP

For clients who are in a Debt Management Plan (DMP) or have satisfied one in the last 12 months.

CCJs/Defaults

0 in 18 months

Mortgage/Secured Arrears

0 in 18 months (No arrears balance in last 6 months)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

Pepper 24 DMP

For clients who are in a Debt Management Plan (DMP) or have satisfied one in the last 12 months.

CCJs/Defaults

0 in 24 months

Mortgage/Secured Arrears

0 in 24 months (No arrears balance in last 6 months)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

Pepper 12 - Bankruptcy

Suitable for customers that have a a satisfied Bankruptcy order over 3 years ago.

CCJs/Defaults

0 in 12 months

Mortgage/Secured Arrears

0 in 12 months (No arrears balance in last 6 months)

Bankruptcy/IVA

Discharged > 3 years ago

Pepper 24 - Bankruptcy

Suitable for customers that have a a satisfied Bankruptcy order over 3 years ago.

CCJs/Defaults

0 in 24 months

Mortgage/Secured Arrears

0 in 24 months (No arrears balance in last 6 months)

Bankruptcy/IVA

Discharged > 3 years ago

Important notice

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.

Unfortunately, due to your LTV, we do not have a suitable product for you

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
30 Month Fixed:	£175,000.00
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		Income Applicant Two
Primary Annual Income		Primary Annual Income
Secondary Annual Income		Secondary Annual Income
Annual Overtime		Annual Overtime
Annual Bonus or Commission		Annual Bonus or Commission
Car Allowance		Car Allowance
Maintenance Income (calculated at 50%)		Maintenance Income (calculated at 50%)
Rental Income (calculated at 50%)		Rental Income (calculated at 50%)
Allowable Income		Allowable Income
Total		Total

Commitments Applicant One		Commitments Applicant Two
Mortgages or secured loans		Mortgages or secured loans
Unsecured loans or hire purchase		Unsecured loans or hire purchase
Credit or store cards Balance		Credit or store cards
Overdraft arrangements Balance		Overdraft arrangements
School fees		School fees
Maintenance		Maintenance
Student loans		Student loans
Other		Other
Total monthly commitments		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.

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.

Fill in your details below and we will email the results to you

First name *

Last name *

Email address *

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V4.4.2

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.

Resources

Broker toolkit and guides

Our Broker Toolkit has all the information you need for Products, Calculators and Guides

Residential Mortgage Products

Residential

Up to 85% LTV

Unsecured credit

No value limits

Capital raising up to max LTV

Helping the self-employed

Boosting affordability

Residential Mortgage Product Rates and Criteria

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

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

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

Pepper48 Light

Pepper48 Light

Pepper48 Light

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

Pepper48

Pepper48

Pepper48

Residential
Mortgage Products

Reversion Rates
(LMR +)

Reversion Rates
(LMR +)

Reversion Rates
(LMR +)