Pepper Money: More Than An Adverse Lender

We are well known for our market leading approach to adverse, but it is our non-adverse criteria which is surprising more and more brokers, for example think of us for…

Remortgages:

  • Top tier products with rates as low as 2.90%.
  • Capital raising up to 85% LTV for…
    • Debt consolidation – with no DTI ratio’s, upper value limits and the debts being consolidated do not impact affordability.
    • Business purposes.
    • Home Improvements.
  • No Credit Scoring – at all!
  • AVM’s available up to 75% LTV!

Affordability:

  • We can and do, take working income to age 75 – plausibility applied.
  • 5x income multiple for strong cases – affordability MUST support.
  • On interest only cases, affordability assessed on an interest only basis NOT a repayment basis.
  • 100% of 2nd jobs taken into account.

Interest only cases:

  • 60% LTV.
  • No Minimum Equity Requirement.
  • Minimum income is only £18k per application.

Self-Employed:

  • 85% LTV available.
  • Only need 1 year’s trading.
  • ALWAYS (not sometimes) take the latest years figures for affordability.

All the above comes hand in hand with an award-winning service and a dedicated case manager to support you through to Mortgage Offer.

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