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.

 

  • 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 0.91%. Set 14 December 2018

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 in 48 months
(No arrears balance in last 6 months)
0 in 36 months
(No arrears balance in last 6 months)
Unsecured Arrears

Fixed term - None in the last 6 months

Revolving credit - Missed payments considered 

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 0 in 12 months
Mortgage/Secured Arrears 0 in 24 months
(No arrears balance in last 6 months)

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

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

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 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

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 in 36 months
(No arrears balance 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 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

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% 3.58% £1,095 3.53% £1,195 4.13% £1,195 4.75%
75% 3.73% 3.73% 4.33% 4.90%
80% 3.93% 4.28% 4.58% 5.15%
85% 4.33% 4.43% 4.88% 5.40%
 ERC  3%, 2% 3%, 2% 3%, 2%, 1%, 0.5%, 0.5%  
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

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% 3.63% £1,095 3.78% £1,195 4.17% £1,195 5.05%
75% 3.78% 4.18% 4.47% 5.30%
80% 3.98% 4.68% 4.63% 5.55%
 ERC  3%, 2% 3%, 2% 3%, 2%, 1%, 0.5%, 0.5%  
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

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% 4.08% £1,095 4.48% £1,195 4.48% £1,195 5.05%
75% 4.23% 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 2 in months 7 to 12)
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

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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