Pepper Essential

Our most popular homeloan, Pepper Essential, has been specially designed for PAYE workers.  What’s great about Essential is the fact that you can use is to buy your main home or an investment property or even when you want to switch lenders and stay where you are.

Variable interest rates

For your main home
Loan to Value (LTV) Loan to ValueRateAPRC* Annual Percentage Rate of Charge is the yearly interest that includes fees and costs paid to obtain the loan.
< 50%3.10%3.23%
< 60%3.25%3.38%
< 70%3.30%3.43%
< 80%3.60%3.75%
< 90%3.90%4.06%
For buy to let properties
Loan to Value (LTV) Loan to ValueRateAPRC* Annual Percentage Rate of Charge is the yearly interest that includes fees and costs paid to obtain the loan.
< 50%4.40%4.77%
< 60%4.75%5.14%
< 70%4.75%5.14%
< 80%4.80%5.19%
*APRC = Annual Percentage Rate of Charge
  • The details

    • Borrow up to 90% loan to value for your main home and up to 80% for a buy-to-let property
    • Up to 30-year terms available for your main home and up to 25-year terms on buy-to-let properties
    • Minimum of 5-year terms available
    • First time buyers borrow up to €450,000
    • Movers and switchers borrow up to €750,000
    • Rates as low as 3.10% (3.23% APRC)
    • Arrangement fee of 0.5% of the mortgage amount, up to a maximum of €1,800
  • Your Mortgage Calculators

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    Let’s talk mortgages

    Would you like to talk to a Lending Specialist about buying a home? One-on-one help is just a click away.
    The Lender is Pepper Money. Lending criteria and terms and conditions apply. Monthly repayments for a typical mortgage of €100,000 over 20 years (240 instalments) at the current Variable Rate of 3.60% is €585.11. A 1% interest rate rise would increase monthly repayments by €49.21 per month. The Annual Percentage Rate of Charge (APRC), based on a rate of 3.60% variable will be 3.75% and includes a €150 Valuation Fee, a Mortgage Charge of €175 paid to the Property Registration Authority and an Arrangement Fee (based on 0.5% of the mortgage loan amount up to a maximum of €1,800) as detailed as part of mortgage loan application process. Additional fees may apply on a case by case basis. The amount you pay is €142,410.60. We require life and property insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value for First Time Buyers). The cost of your monthly repayments may increase.