Switch to Pepper Money

It’s no secret that everyone likes a better deal – and switching your mortgage could be one of the best deals of all. Some people like to borrow a little more when switching and at Pepper Money we’re happy to look at a wide range of purposes when it comes to releasing equity in your home.

Best of all, we can provide you with Approval in Principle in just 24 hours allowing you plan with confidence.

  • The details

    • Borrow up to 80% loan to value
    • Up to 30-year terms available
    • Minimum of 5-year terms available
    • Borrow up to €750,000
    • Rates as low as 3.10% (3.23% APRC*)
    • Wide range of purposes considered if releasing equity
    • Arrangement fee of 0.5% of the mortgage amount, up to a maximum of €1,800
    *Annual Percentage Rate of Charge
  • We’ll pay up to €1,500* towards your legal fees

    To make your switch even easier, we’ll pay your legal fees up to €1,500*.

    To qualify for this great offer:

    • The loan to value** on your application must be 70% or less;
    • You must be switching the mortgage on your main home or on a buy-to-let property, or buying a buy-to-let property;
    • You must have a formal loan offer from us by the 29th September 2017; and
    • Have completed your mortgage by 3oth November 2017.


    We’ll make the payment direct to your solicitor once the mortgage has been drawn down and the Legal Fee amount confirmed by your solicitor – one less thing for you to worry about!

    Please note: *€1,500 is a contribution towards the customer’s Legal Fees. Loan to value** is your mortgage amount expressed as a percentage of the value of your home. Offer runs from 21/11/2016 to 29/09/2017 and can be withdrawn or extended at any stage at the sole discretion of Pepper Money.

  • Interest rates

    Our rates are based on your employment type and credit history. For PAYE workers, click here. If you’re self-employed or on a contract, click here. If you’ve had credit issues in the past, click here.
  • Your Mortgage Calculators

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    How much can I borrow?

    Calculate my repayments

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    Let’s talk mortgages

    Would you like to talk to a lending specialist about switching your mortgage? 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.