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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.
Available up to 85% LTV
Unsecured credit never affects product tier
No value limit on CCJs and defaults; no need for them to be satisfied
Raise capital for any legal purpose, including debt consolidation up to our 85% LTV
One year’s self-employed trading or most recent year's accounts accepted
Multiple income streams and 100% of monthly bonuses, overtime & commission accepted. Plus, maximum term of 40yrs
We’ve made finding the right product for your customer even easier. You can can either view the product tables below or use our product finder to help narrow down your search.
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
Our previous product table layout is still available if you’d rather view products that way.
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 |
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 |
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 |
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:
|
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:
|
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:
|
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 |
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 |
Looking to find out how much your client could borrow? Our residential calculator has been built with you in mind.
Our Residential Intermediary tool kit has all the information you need
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.