Residential

Residential Products

Our products are named to make it easier for you to identify the right product for your clients' situation. You can see details of our wide range of products with rates starting from 2.17% below. Also don't forget, free legals on all remortgages - see the product guide for more information.

 

  • NEW Zero Completion Fee Limited Edition for clients that haven't had a CCJ or Default in the last 48 or 36 months. Rates from 2.88%
  • Debt Management Plan (DMP) range introduced. Find out more by visiting our DMP Range page
  • CCJs / Defaults don't need to be satisfied and we have no ££ value limit
  • Application fee across all products is just £135
  • We've launched a range of Fresh Criteria - check it out here
  • For all new business from 2 October 2017, LIBOR 0.80%. Set 14 September 2018

NEW! Zero Completion Fee Limited Edition 

Suitable for clients that haven't had a CCJ or Default in the last 48 or 36 months


 
2 Year Fixed: Zero Completion Fee Limited Edition 
Pepper48 Zero Completion Fee Pepper36 Zero Completion Fee
LTV Initial Rate

Reversion Rates

(Libor +)

Initial Rate

Reversion Rates

(Libor +)

70% 2.88% 4.45% 2.88% 4.45%
75% 3.08% 4.60%  3.08% 4.60%
80% 3.28% 4.85% 3.28% 4.85%
85% 3.68% 5.10% 3.68% 5.10%
ERC 3%, 2%
  5 Year Fixed: Zero Completion Fee Limited Edition 
70% 3.53% 4.45% 3.53% 4.45%
75% 3.63% 4.60% 3.63% 4.60%
80% 3.83% 4.85% 3.83% 4.85%
85% 3.98% 5.10% 3.98% 5.10%
ERC 4%, 4%, 3%, 3%, 2%
Comp Fee £0
CCJs/Defaults 0 in 48 months

0 in 36 months

Mortgage/Secured Arrears 0 missed payments in 48 months (max arrears status of 0 in last 6 months)

0 missed payments in 36 months (max arrears status of 0 in last 6 months)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered 

2 Year Fixed Rates Limited Edition 

Suitable for clients that haven't had a CCJ or Default in the last 18, 12 or 6 months


 
2 Year Fixed Limited Edition
Pepper18 Ltd Edition Pepper12 Ltd Edition Pepper6 Ltd Edition
LTV Initial Rate

Reversion Rates

(Libor +)

Initial Rate

Reversion Rates

(Libor +)

Initial Rate

Reversion Rates

(Libor +)

70% 3.08% 4.75% 3.23% 5.05% 3.58% 5.05%
75% 3.28% 4.90%  3.43% 5.30% 3.78% 5.30%
80% 3.48% 5.15% 3.98% 5.55%     
85% 3.88% 5.40%         
ERC 3%, 2%
Completion Fee £995
CCJs/Defaults 0 in 18 months

0 in 12 months (max 3 in 24 months. Only 2 allowed in months 13 to 18)

0 in 6 months (max 4 in 24 months. Only 2 allowed in months 7 to 12 or 3 in months 13 to 18)

Mortgage/Secured Arrears 2 missed payments in 36 months (max arrears status of 0 in last 6 months; no missed payments in last 18 months; 1 missed payment in months 19 to 24)

2 missed payments in 24 months (max arrears status of 0 in last 6 months; no missed payments in last 12 months; 1 missed payment in months 12 to 18)

3 missed payments in 24 months (max arrears status of 0 on last 6 months; 0 missed payments in last 12 months; 2 missed payments in months 13 to 18)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

We will ignore 2 individual defaults (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers

Pepper DMP Range

Suitable for clients that are in a Debt Management Plan (DMP) or have satisfied one in the last 12 months - find out more


 
2 Year Fixed
Pepper24 DMP Pepper18 DMP Pepper12 DMP
LTV Initial Rate

Reversion Rates

(Libor +)

Initial Rate

Reversion Rates

(Libor +)

Initial Rate

Reversion Rates

(Libor +)

75% 3.48% 4.60%  3.78%  4.90%  4.23%  5.05% 
80% 3.78% 4.85%  4.33%  5.15%  4.73% 5.30%
85% 4.03% 5.10% 4.48%  5.40%    
ERC 3%, 2%
Comp Fee £1,295
CCJs/Defaults 0 in 24 months

0 in 18 months (max 3 in 36 months. Only 2 allowed in months 19 to 24)

0 in 12 months (max 3 in 24 months. Only 2 allowed in months 13 to 18)

Mortgage/Secured Arrears 0 missed payments in 24 months (max arrears status of 0 in last 6 months)

2 missed payments in 36 months (max arrears status of 0 in last 6 months; 0 missed payments in last 18 months; 1 missed payment in months 19 to 24)

2 missed payments in 24 months (max arrears status of 0 in last 6 months; 0 missed payments in last 12 months; 1 missed payment in months 13 to 18)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

Pepper48

Suitable for clients that haven't had a CCJ or Default in the last 48 months

  2 Year Fixed 30 Month Fixed 5 Year Fixed Reversion Rates

(Libor +)
LTV Initial Rate Comp Fee Initial Rate Comp Fee Initial Rate Comp Fee
65% 2.17% £945     2.97% £945 4.45%
70% 2.27% 2.49% £945 3.13% 4.45%
75% 2.37% 2.58% 3.15% 4.60%
80% 2.67% 2.79% 3.43% 4.85%
85% 3.28% 3.38% 3.75% 5.10%
 ERC  3%, 2% 3%, 2% 4%, 4%, 3%, 3%, 2%  
CCJs/Defaults 0 in 48 months
Mortgage/Secured Arrears

0 missed payments in 48 months (max arrears status of 0 in last 6 months)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

Pepper36

Suitable for clients that haven't had a CCJ or Default in the last 36 months

  2 Year Fixed 30 Month Fixed 5 Year Fixed

Reversion Rates

(Libor +)

LTV Initial Rate Comp Fee Initial Rate Comp Fee Initial Rate Comp Fee
65% 2.23% £945   3.07% £945 4.45%
70% 2.47% 2.57%   3.17% 4.45%
75% 2.77% 2.87% 3.17% 4.60%
80% 2.97% 3.07% 3.47% 4.85%
85% 3.38% 3.48% 3.78% 5.10%
 ERC  3%, 2% 3%, 2% 4%, 4%, 3%, 3%, 2%  
CCJs/Defaults 0 in 36 months
Mortgage/Secured Arrears

0 missed payments in 36 months (max arrears status of 0 in last 6 months)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

Pepper24

Suitable for clients that haven't had a CCJ or Default in the last 24 months

  2 Year Fixed 30 Month Fixed 5 Year Fixed

Reversion Rates

(Libor +)

LTV Initial Rate Comp Fee Initial Rate Comp Fee Initial Rate Comp Fee
70% 3.33% £945 3.43% £995 3.97% £995 4.45%
75% 3.43% 3.53% 4.07% 4.60%
80% 3.68% 3.78% 4.28% 4.85%
85% 3.93% 4.03% 4.58% 5.10%
 ERC  3%, 2% 3%, 2% 4%, 4%, 3%, 3%, 2%  
CCJs/Defaults 0 in 24 months
Mortgage/Secured Arrears

0 missed payments in 24 months (max arrears status of 0 in last 6 months)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

We will ignore 2 individual defaults (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers

Pepper18

Suitable for clients that haven't had a CCJ or Default in the last 18 months

  2 Year Fixed 30 Month Fixed 5 Year Fixed

Reversion Rates

(Libor +)

LTV Initial Rate Comp Fee Initial Rate Comp Fee Initial Rate Comp Fee
70% 3.43% £1,095 3.53% £1,195 4.13% £1,195 4.75%
75% 3.73% 3.73% 4.33% 4.90%
80% 4.28% 4.28% 4.58% 5.15%
85% 4.43% 4.43% 4.88% 5.40%
 ERC  3%, 2% 3%, 2% 3%, 2%, 1%, 0.5%, 0.5%  
CCJs/Defaults

0 in 18 months (max 3 in 36 months; max 2 allowed in months 19 to 24)

Mortgage/Secured Arrears

2 missed payments in 36 months (max arrears status of 0 in last 6 months; no missed payments in last 18 months; 1 missed payment in months 19 to 24) 

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

We will ignore 2 individual defaults (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers

Pepper12

Suitable for clients that haven't had a CCJ or Default in the last 12 months

  2 Year Fixed 30 Month Fixed 5 Year Fixed

Reversion Rates

(Libor +)

LTV Initial Rate Comp Fee Initial Rate Comp Fee Initial Rate Comp Fee
70% 3.78% £1,095 3.78% £1,195 4.17% £1,195 5.05%
75% 4.18% 4.18% 4.47% 5.30%
80% 4.68% 4.68% 4.63% 5.55%
 ERC  3%, 2% 3%, 2% 3%, 2%, 1%, 0.5%, 0.5%  
CCJs/Defaults

0 in 12 months (max 3 in 24 months; max 2 allowed in months 13 to 18)

Mortgage/Secured Arrears 2 missed payments in 24 months (max arrears status of 0 in last 6 months; no missed payments in last 12 months; 1 missed payment in months 13 to 18)
Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

We will ignore 2 defualts (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers

Pepper6

Suitable for clients that haven't had a CCJ or Default in the last 6 months

  2 Year Fixed 30 Month Fixed 5 Year Fixed

Reversion Rates

(Libor +)

LTV Initial Rate Comp Fee Initial Rate Comp Fee Initial Rate Comp Fee
70% 4.48% £1,095 4.48% £1,195 4.48% £1,195 5.05%
75% 4.78% 4.78% 4.78% 5.30%
 ERC  3%, 2% 3%, 2% 3%, 2%, 1%, 0.5%, 0.5%  
CCJs/Defaults

0 in 6 months (max 4 in 24 months; max 2 allowed in months 7 to 12 or 3 in months 13 to 18)

Mortgage/Secured Arrears

3 missed payments in 24 months (max arrears status of 0 in last 6 months; 0 missed payments in last 12 months; 2 missed payments in months 13 to 18)

Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered

We will ignore 2 individual defaults (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers

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