Specialist mortgage lender Pepper Money has launched a limited edition residential mortgage refinance offering within its Pepper 48 range, introducing a loan-to-value (LTV) fixed loan of 75% for two years, reduced by 0.30% compared to the current equivalent offer.
Paul Adams
The new product, which starts with an LTV from 5.09% to 75%, is aimed at customers whose circumstances fall just outside the traditional credit needs of the high street, including customers with credit problems or more complex financial profiles.
The limited edition is available with a choice of fee options of £0, £795 or £1,495, allowing advisers to tailor prices to suit individual client priorities. Customers can also opt for free legal insurance or £350 cashback, helping them control the costs of refinancing their mortgage upfront.
The product supports capital raising, allowing customers to consolidate unsecured loans or free up funds for home improvements where necessary.
Commenting on the launch and its timing: Pepper Money sales director Paul Adams said: “2026 represents one of the most important remortgage years in recent history. With 1.8 million fixed interest rates coming due, brokers play a vital role in helping customers carefully assess their options rather than defaulting to the most suitable route.
“Our new Residential Remortgage Limited Edition offers more competitive pricing within Pepper 48, alongside flexible rate choices and cost support through free legal proceedings or cashback. This gives advisers a strong solution for clients who may not meet the regular criteria.”