It only takes a few minutes to apply online and get a quote. See if a homeowner loan could be right for you.
Sorry we are unable to help, we currently only offer products for homeowners.
Minimum existing mortgage balance of £5,000
Borrow amount is larger than the propery's value (less the existing mortgage)
Please select a value between £15,000 and £1,000,000
Other mortgage products are available. Our mortgage advisers will provide more information concerning other products during your application
process.
2 Year Fixed Rate
The term fixed rate mortgage refers to a home loan that has a fixed interest rate for a set period of time at the beginning of the
mortgage, in this instance the first two years. At the expiry of the fixed rate period, the reversion rate which is the lenders variable rate will be
applied to the home loan. An Early Repayment Charge will be applicable during the fixed rate period.
5 Year Fixed Rate
The term fixed rate mortgage refers to a home loan that has a fixed interest rate for a set period of time at the beginning of the mortgage, in this
instance the first five years. At the expiry of the fixed rate period, the reversion rate which is the lenders variable rate will be applied to the home
loan. An Early Repayment Charge will be applicable during the fixed rate period.
Variable rate
The term variable rate mortgage refers to a home loan that has a variable rate from inception, for the life of the agreement.
Indicative results
Loan Amount*
Total Repayable*
Breakdown
This is a sum of the loan amount, interest (£), a lender fee of £ and an exit fee of £95.
Monthly Repayments*
Breakdown
This is based on a borrowing over Years / Months.
Indicative Rate*
Breakdown
This indicative rate is based on our rate and our lending criteria for your LTV of %.
Lender Fee*
Breakdown
A lender fee of £ is included in your total repayable figure.
*Please note these results are indicative and are meant to be used as a guide only.
Should you wish to submit an application, it'll be subject to status, full lending criteria, a credit check and a review by a qualified mortgage
adviser, which could result in a different product which has a different interest rate. Any changes are likely to alter both the monthly payment amount
and the total amount payable. Results are based on a good credit profile.
Representative Example
Borrowing of £40,000, plus £1,095 lender fee, totalling £41,095, over 200 months on a variable product with an initial borrowing rate of 7.3%. There
would be 200 monthly instalments of £377.77. Total amount payable £71,249, made up of: Mortgage Amount £40,000, Interest £30,059, Lender fee £1,095,
Exit Fee £95. Overall cost for comparison purposes 8.0% APRC. Please be advised that any interest rate fluctuations, during the life of the mortgage
contract, will affect the total amount repayable.
*Pepper Money would like to contact you to discuss your secured loan requirements. By selecting “yes” you are agreeing for one of our team to
contact you using the information you provide and you are confirming that you have read and understood the "How we use your personal data" page. Mortgages are provided by UK Mortgage Lending Limited, trading as Pepper Money, who are a member of the same group as Pepper Money Limited.
Phone number cannot begin with 03 or 08
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Complete our quick application to get one step closer to the funds you need! Tell us about yourself, your borrowing needs, and your property to get started.
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