Pepper Money launches Residential Remortgage Limited Edition at 5.09%
Fee options are available at £0, £795, or £1,495.
Pepper Money has launched a Residential Remortgage Limited Edition within its Pepper 48 range, offering a 2-year fixed rate at 5.09% up to 75% loan-to-value (LTV).
This product is 0.30% lower than the lender’s current equivalent, and is aimed at remortgage customers with credit blips or complex financial histories who do not fit high street criteria.
Fee options are available at £0, £795, or £1,495.
Customers can choose either free legals or £350 cashback to help manage upfront costs.
The product also supports capital raising, allowing customers to consolidate unsecured borrowing or fund home improvements.
Paul Adams, sales director at Pepper Money, said: “2026 represents one of the most significant remortgage years in recent memory.
“With 1.8 million fixed rates maturing, brokers have a vital role in helping customers assess their options carefully rather than defaulting to the most convenient route.
“Our new Residential Remortgage Limited Edition delivers sharper pricing within Pepper 48, alongside flexible fee choices and cost support through free legals or cashback.”
Adams added: “This gives advisers a strong solution for customers who may not meet mainstream criteria, especially when combined with our human underwriting approach and certainty of lending decisions.”
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