Here is the latest update from Pepper Money. You can access Pepper Money products through our direct to lender mortgage club and get the benefits of payment on completion. You can also use our Fees Free Mortgage Packager.
Up to 0.80% reductions across our Residential & BTL Ranges
This morning at Pepper Money, we’re pleased to announce rate reductions across both our Residential and BTL ranges.
Residential
- Rates now starting from 5.75% up to 75% LTV
- Pepper 48 & 48 Light have been reduced by up to 0.80%
- Pepper 48 and Pepper 48 Light 2-year rates decreased by 0.80% at 90% LTV (now 6.94% and 6.99% respectively)
BTL & Ltd Co. BTL
- Rates now starting from 4.64% up to 70% LTV (reduction of 0.10% across the range)
Our new Limited Edition remains available:
We recently launched a new 2-year fixed Limited Edition product, offering:
- 5.99% with a reversion rate of 8.95%
- 6.39% with a reversion rate of 8.15%
Designed to give more flexibility and better support affordability, it sits within our Pepper 48 Light tier, up to 85% LTV.
And remember, our key niches for just-off-high-street customers who need a more inclusive approach with a lender who looks for reasons to say yes.
- No credit scoring – we assess the full customer story
- CCJs and defaults don’t need to be satisfied
- No debt-to-income ratio (unsecured missed payments don’t affect product tier)
- Just one year’s self-employment required or the most recent year’s accounts
- Multiple income streams accepted, including 100% of monthly bonuses, commission, and overtime
- Capital raising for any legal purpose up to max LTVs, including for debt consolidation