Sharon Van Loenen

In today’s market it’s great to see that 90% of mortgages are written through intermediaries. This demonstrates that customers really recognise the value of specific advice based on their own circumstances. Pepper Money also believes that every customer and their own set of circumstances are unique, and as part of such, we are increasingly seeing […]

3 reasons to tell your BTL client about ERC-3 ERC-3 is a mortgage product which benefits from a 5-year fixed rate but only carries Early Repayment Charges for 3 years. The rate fixed for 5 years A five-year fixed rate offers borrowers the security of knowing their mortgage payments won’t change in that time. Currently,

Just to give you an idea of what is happening on the 22nd November.  There are some slight rate increases as follows: CHANGES: Owner Occupier Repayment Core & JBSP 2-year fixed rates increase by 5bps Core & JBSP 5-year fixed rates increase by 15bps Family Mortgage increase by 10bps Professional product withdrawn Owner Occupier Interest-Only

Yields achieved by landlords increased in the third quarter of the year, continuing their strong performance from mid-2022, data from buy-to-let mortgage specialist Paragon Bank has revealed. Based on mortgage offer data for buy-to-let purchase and remortgage, the average yield hit 6.72% in September, up from 6.69% at the end of the second quarter of

On Friday 22 November 2024, we’ll be making changes to our mortgage product range. This includes increases across our Fixed Rate products for Owner Occupier and Interest-Only, as well as Buy to Let. Additionally, our Professional Mortgage product will be withdrawn, and we’ll be launching a new 5 Year Fixed Rate Expat product and a new 2 Year Fixed Rate Joint

We’re delighted to announce that we have enhanced our Concessionary Purchase offering and can now offer 100% Concessionary Purchase. This change follows the recent improvement to our Self-Employed criteria and pricing adjustments. The changes: The improvement enables customers to benefit from purchasing a property below market value, which they may typically purchase from family or their

Following a period of significant change and regulatory upheaval, the let market is a hot topic. But there are still plenty of opportunities out there to help your clients – it might just need a keener eye to spot them and some creative thinking to make the most of them. In our latest article, we

We are pleased to be able to offer mortgages to Buy to Let Portfolio Landlords for standard Buy to Lets, Holiday Lets and now Expats. We do not have an upper age limit, and our minimum income requirement is £25,000. You can find full details of our Buy to Let criteria here. Portfolio Landlords – up to 75% LTV  Defined