Pepper Money

Up to 85% LTV for clients with adverse credit: Clients with adverse credit can access up to 85% loan-to-value (LTV), making it ideal for those who may have struggled with traditional lenders due to credit issues. 

Unsecured adverse credit not counted: Clients who have experienced unsecured credit issues, such as credit card defaults or personal loan arrears, still have a chance to obtain a mortgage. 

Interest-only options up to 60% LTV: Pepper offers an interest-only mortgage option, available up to 60% LTV, which can benefit clients looking to manage monthly repayments or with a solid repayment vehicle in place. 

Self-employed with only one year’s trading history: For self-employed individuals with as little as one year of trading history, Pepper’s flexible approach allows them to access mortgage products where traditional lenders may not. 

Debt Management Plan (DMP) product range: Pepper supports clients currently in or recently out of a Debt Management Plan (DMP), with specialised products designed to help these borrowers re-enter the property market. 

Minimum property value set at £70,000: Pepper’s product range caters to clients purchasing more affordable homes, with a minimum property value requirement of £70K, providing options for borrowers outside higher-priced markets.