Help to Buy mortgages just became more accessible for those clients that don’t quite fit the high street through credit blips or complex income. The team at Complete are pleased to showcase the Pepper Help to Buy range, which will help more hopeful homeowners find their way onto the housing ladder.
 
What we like:
 

• No credit scoring or auto-cascading
• No value limit on CCJs and defaults - no need for them to be satisfied
• One years’ self-employed trading
• Latest year used for affordability when trading for two years or more
• 100% of shift allowance accepted
• 50% of variable income accepted, including commissions, bonuses and overtime
• Fully gifted deposit accepted