The Self Employed Mortgage

‘They just don’t understand how I make my money.  I’ve had to jump through so many hoops just to make an application.  The questions are never ending – it sometimes feels like I’m on trial.’

Any of that sound familiar?

At Pepper Money we’ve taken the time to really understand the swings and roundabouts of being self-employed.  As a result, we’re able to look beyond simplistic measures  and take a wider view of your business.   We’ll look at things like retained earnings and even pension contributions when assessing your financial strength, giving a much more rounded view of your circumstances.

Why not talk to one our Lending Team today?  You could have an Approval in Principle at the end of your call.

Variable interest rates

For your main home
Loan to Value (LTV) Loan to Value Rate APRC* Annual Percentage Rate of Charge is the yearly interest that includes fees and costs paid to obtain the loan.
< 50% 3.35% 3.49%
< 60% 3.60% 3.75%
< 70% 3.65% 3.80%
< 80% 3.95% 4.11%
< 90% 4.25% 4.42%
For buy to let properties
Loan to Value (LTV) Loan to Value Rate APRC* Annual Percentage Rate of Charge is the yearly interest that includes fees and costs paid to obtain the loan.
< 50% 4.75% 5.14%
< 60% 5.00% 5.41%
< 70% 5.00% 5.41%
< 80% 5.25% 5.67%
*APRC = Annual Percentage Rate of Charge