Talk 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 as little as 24 hours allowing you plan with confidence.


  • The details

    • Borrow up to 80% loan to value
    • Terms from between 5 and 25 years available
    • Borrow up to €1,250,000 in Dublin and up to €750,000 in all other areas we lend
    • Wide range of purposes considered if releasing equity
    • Less than perfect credit history – we may be able to help
  • 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


    How much can I borrow?

    Calculate my repayments


    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.