Lender Documents
- DIP Form (26/08/2022)
- Application Form (17/08/2021)
- Product Guide - Residential (10/01/2024)
- Product Guide - Residential First Homes (10/01/2024)
- Product Guide - Help to Buy (10/01/2024)
- Product Guide - Right to Buy (10/01/2024)
- Product Guide - Shared Ownership (10/01/2024)
- 5 Step Guide to Second Charge Loans (04/07/22)
Proc Fee
| Product | Gross Fee paid by lender | Net fee paid to regulated broker | Net Fee paid to non-regulated & client referral service |
|---|---|---|---|
| All Products | 0.80% | 0.40% | 0.20% |
Complete Adds Pepper Money to Second Charge Lender Panel
Complete FS is delighted to add Pepper Money to the Second Charge Lender Panel. Second charge mortgages can be the solution for many customers in a variety of situations and circumstances. As a responsible lender Pepper Money will only lend to customers who, as a result of the application process, we believe have the ability and intention to repay the second charge mortgage.
Product Snapshot
Secured Loans
- Borrow up to £1,000,000
- Pepper Money could offer your client a second charge mortgage of any amount from £5,000 to £1,000,000
- Repayment periods up to 30 years
- We can offer a repayment term of 3 to 30 years subject to your clients individual circumstances and credit checks
- Borrow up to 100% of property value
- Borrow up to 100% of the property’s value, less the existing mortgage balance subject to a satisfactory valuation. Minimum property values and conditions apply
- Competitive rates
- We offer competitive fixed, discounted and variable rate products. The actual rate we offer will depend on your clients individual and personal circumstances
- Flexible overpayment options
- We offer flexible overpayment options, without penalty, which allow you to either reduce the term of your clients second charge mortgage, or reduce their monthly repayments, whichever suits their circumstances, firmly putting them in control
- Straightforward and friendly
- Borrow up to 100% Loan to value
- No ERC products available
- Borrow up to £1,000,000
- Repayment periods up to 30 years
- No valuation products available
- Self-employed, employed, contractor income
- Min property value £75,000
- Competitive rates and flexible overpayment options
Mortgages
Product Snapshot
Mortgages
We are delighted to announce that we have been provided access to exclusive 85% LTV mortgages from Pepper Money, on its Pepper 24 and Pepper 24 Light product ranges.
Pepper 24 is available to customers who may have experienced defaults, secured missed payments, or CCJs registered as recently as 24 months ago. The 85% LTV exclusive is available at 4.60% for either a 2-year fixed rate or a 5-year fixed rate.
Pepper 24 Light is available for customers who may have experienced defaults and secured missed payments registered as recently as 24 months ago, but received no CCJs. At 85% LTV, the exclusive is available at 4.55% for a 2-year fixed rate or a 5-year fixed rate.
Pepper 24 is available to customers who may have experienced defaults, secured missed payments, or CCJs registered as recently as 24 months ago. The 85% LTV exclusive is available at 4.60% for either a 2-year fixed rate or a 5-year fixed rate.
Pepper 24 Light is available for customers who may have experienced defaults and secured missed payments registered as recently as 24 months ago, but received no CCJs. At 85% LTV, the exclusive is available at 4.55% for a 2-year fixed rate or a 5-year fixed rate.
- DMP Range – rates from 4.70%
- No credit scoring
- Capital raising allowed to any LTD
- CCJ’s & Defaults don’t need to be satisfied
- Interest only up to 60% LTV
- Self Employed 1 Yrs accounts
- Strong approach to affordability
Other Product Guides
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