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 2.38% below. Also don't forget, free legals on all remortgages - see the product guide for more information.

 

  • NEW 2 Year Fixed Rates (Limited Edition) for clients that haven't had a CCJ or Default in the last 18,12 or 6 months. Rates from 3.08%
  • 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 0.61%. Set 14 March 2018

NEW! 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


 
Limited Edition 2 Year Fixed
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%
Comp 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)

Pepper DMP Range

Suitable for clients who are in an active Debt Management Plan (DMP) - for more information visit our Pepper DMP range page


 
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 +)

70%       4.48%  5.05% 
75% 3.78% 4.60%  4.08%  4.90%  4.98%  5.30% 
80% 3.98% 4.85%  4.58%  5.15%    
85% 4.28% 5.10% 4.98%  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)

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
70% 2.38% £795 2.38% £895 3.13% £895 3.50%
75% 2.43% 2.43% 3.13% 3.65%
80% 2.63% 2.63% 3.33% 3.90%
85% 2.83% 2.83% 3.58% 4.15%
 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)

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
70% 2.47% £795 2.47% £895 3.17% £895 4.45%
75% 2.62% 2.62% 3.17% 4.60%
80% 2.72% 2.72% 3.38% 4.85%
85% 3.12% 3.12% 3.63% 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)

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% 2.98% £895 3.18% £995 3.63% £995 4.45%
75% 3.18% 3.38% 3.83% 4.60%
80% 3.38% 3.58% 4.03% 4.85%
85% 3.63% 3.83% 4.28% 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)

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% 3.23% £1,095 3.23% £1,195 4.08% £1,195 4.75%
75% 3.73% 3.73% 4.23% 4.90%
80% 4.28% 4.28% 4.83% 5.15%
85% 4.43% 4.43% 5.13% 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) 

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 4.48% £1,195 5.05%
75% 4.18% 4.18% 4.63% 5.30%
80% 4.68% 4.68% 5.18% 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)

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 4.88% £1,195 5.05%
75% 4.78% 4.78% 5.18% 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)

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