Interview with Caroline Mirakian, Head of National Accounts at Pepper Money.

Pepper Money are a multi-award-winning specialist lender offering Residential and Buy to Let mortgages exclusively through intermediaries. 

Pepper Money believe in challenging the accepted. They pride themselves on their ability to look beyond the numbers on a credit score and their specialist team of skilled, mandated underwriters review each case on its own merits. 

So, if you’ve got a client who’s recently self-employed, has credit blips, a complex income, young credit history or previous financial difficulties, speak to Pepper Money. 


Residential Mortgages

RESI Pepper 48 - Light

Suitable for clients that haven't had a Default in the last 48 months

  • Up to 85% LTV
  • 2 & 5 Year fixed from 3.20%

RESI Pepper 48

Suitable for clients that haven't had a CCJ or Default in the last 48 months

  • Up to 85% LTV
  • 2 & 5 Year fixed from 3.25%

RESI Pepper 36 - Light

Suitable for clients that haven't had a Default in the last 36 months

  • Up to 85% LTV
  • 2 & 5 Year fixed from 3.30%

RESI Pepper 36

Suitable for clients that haven't had a CCJ or Default in the last 36 months

  • Up to 85% LTV
  • 2 & 5 Year fixed from 3.35%

RESI Pepper 24 - Light

Suitable for clients that haven't had a Default in the last 24 months

  • Up to 85% LTV
  • 2 Year Rates from 3.50%

RESI Pepper 24

Suitable for clients that haven't had a CCJ or Default in the last 24 months

  • Up to 85% LTV
  • 2 Year Rates from 3.55%

RESI Pepper 18 - Light

Suitable for clients that haven't had a Default in the last 18 months

  • Up to 80% LTV
  • 2 Year Rates from 4.25%
  • 5 Year Rates from 4.45%
  • Exclusive: 85% LTV 5-year from 5.45%

RESI Pepper 18

Suitable for clients that haven't had a Default in the last 18 months

  • Up to 80% LTV
  • 2 & 5 Year Rates from 4.30%
  • Exclusive: 85% LTV 5-year from 5.50%

RESI Pepper 12 - Light

Suitable for clients that haven't had a Default in the last 12 months

  • Up to 80% LTV
  • 2 & 5 Year Rates from 4.60%
  • Exclusive: 85% LTV 5-year from 5.60%

RESI Pepper 12

Suitable for clients that haven't had a CCJ or Default in the last 12 months

  • Up to 80% LTV
  • 2 & 5 Year Rates from 4.65%
  • Exclusive: 85% LTV 5-year from 5.65%

RESI Pepper 6 - Light

Suitable for clients that haven’t had a Default in the last 6 months and who have never had a CCJ

  • Up to 75% LTV
  • 2 & 5 Year Rates from 5.60%
  • Exclusive: 80% LTV 5-year from 6.35%

RESI Pepper 6

Suitable for clients that haven't had a CCJ or Default in the last 6 months

  • Up to 75% LTV
  • 2 & 5 Year Rates from 5.65%
  • Exclusive: 85% LTV 5-year from 6.40%

Pepper DMP

Suitable for clients that are in a Debt Management Plan or have satisfied one in the last 12 months

Pepper 24 DMP

  • Up to 75% LTV
  • 2 Year Rates from 4.70%
  • 5 Year Rates from 4.80%

Pepper 18 DMP

  • Up to 75% LTV
  • 2 Year Rates from 5.40%
  • 5 Year Rates from 5.60%

Pepper 12 DMP

  • Up to 70% LTV
  • 2 Year Rates from 6.05%
  • 5 Year Rates from 6.15%

To discuss Pepper Money call our sales team on 01403 272625 (option 2) or email us at sales.team@impactsf.co.uk