Homeowner loan calculator Pepper Money Homeowner loans
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We've got the online tools and calculators needed to help get your home loan journey underway. Work out how much you could borrow and even quickly find out what interest rate you might be eligible for. You’ll need to login with your details provided on settlement, or when your account was transferred over. For added security, we’ll also send a one-time-passcode to your registered mobile number each time you login. You’ll need to provide this code to access your account details. My.peppermoney is our customer platform, giving you greater control over your loan with us.
You can find out what interest rate you might be eligible for in under five minutes using our home loan interest rate calculator. It’s quick, easy and won’t impact your credit score. We look at a range of factors to provide you with an interest rate estimate. Maximise your cashflow with our 100% interest offset sub-account, complete with debit card access.
Bank said no? Our home loans have real-life flex.
For Self-Employed applications we need your last two years Tax Returns, two years Tax Assessment Notice and & last 1 month’s business bank statements. If you are self-employed and unable to provide this documents, you may still qualify for an alternative documentation loan. Whether you’re buying a second property, moving on or up in the world, or even if you’re downsizing – buying property can be equally exciting and stressful. We’re here to help take a little bit of stress out of the process.
The process was so easy, I was actually shocked how quick it was. Everything was done online and it was the best experience compared to other loans I've applied for in the past. If I ever need a loan in the future, I’ll be applying to Pepper Money again. At Pepper Money, we operate on the basis that everyone is different; helping your customers secure a mortgage by looking beyond credit ratings and traditional lending criteria.
Get to know our fixed rate home loan
If the rate lock expires, and no action is taken, then the fixed interest rate on the day of loan settlement will apply. Y You can request a new rate lock which will lock in the fixed interest rate for a new 90-day period from the date of the new rate lock request. The applicable rate lock fee will apply to this new rate lock request.
Our mortgage advisers will provide more information concerning other products during your application process. Pepper Money offer tailored fixed, discounted and variable rate homeowner loan products. Different lenders charge different upfront and ongoing monthly fees, which should be factored in when saving your deposit. Some of these can be added to your loan balance, while others will need to be paid upfront – fees include establishments or application fees, and risk or mortgage insurance fees.
Variable Rates
Our product range is structured around your customers most recent financial event including CCJs and defaults. Simply presented and completely transparent, our product range is easy to understand and match to your customers' individual needs. At Pepper Money, we’re redefining lending norms, looking for a reason to offer to help, rather than refuse it. So if either you or your customer are looking for a lender with the expertise to make sensible lending decisions, look no further. We’ll send your homeowner loan application paperwork for you to check and return.
We offer tailored rates, and mortgage advice to make sure we recommend what’s best for you. Whether you are new to us, an existing customer or one of our valued intermediary partners we’ve recently been through a period of change. Read down to find out what we do and how we can help you. If you have a mortgage with Pepper Money, here are the answers to some frequently asked questions from our customers. We have the answers we often get asked by potential applicants, if you’re in the process of applying for a mortgage, or you have a mortgage with us, we have all you need to know. Information and interest rates are correct as at 16 December 2022 and subject to change at any time.
We work exclusively with brokers and intermediaries for our mortgage products and on cases that don't fit with high street lenders. And as the UK's largest second charge lender, our second charge lending expertise is unrivalled. Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products.
We provide mortgages to first-time buyers, home movers, and landlords who are often overlooked by high street lenders. Life can be complex, and the needs of your customers can be too. As a specialist mortgage lender, we’re here for you, to help them succeed. Was given a chance of getting a house loan when other banks would not even look at you been a single mum. You’ll also need to pay solicitor fees along with local and state government taxes and levies. These can’t be added to your loan balance and are usually paid upon settlement.
Lock in these rates and benefit from fixed repayments during your chosen loan term. What's more, there aren't any break fees if you change your mind and revert to a variable rate. Our rate ranges are based off Principal and Interest repayments.
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A fixed interest rate home loan simply means that you ‘fix’ the interest rate at whatever the rate is at the time of settlement for a set term . That means your interest rate and payments will remain the same over that period, regardless of any increases or decreases to interest rate changes. For new owner occupier fixed rate home loans, making principal and interest repayments. While a high credit score might help you get a rock-bottom interest rate, it may still be possible to apply for a home loan with a less-than-perfect credit score.
Refinancing with Pepper enabled us to access equity in our property when our previous lender would not. This enabled us to purchase an investment property for our future. The loan approval process was quick and stress free.
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