Mortgage Rates

Pepper Money Mortgage Rates - October 2026

Compare Pepper Money’s current residential, buy-to-let and product transfer rates against the whole market. DBF is a whole-of-market mortgage broker: we search every deal, not just one lender’s range.

Best 5-yr fixed from 5.09%

Best 2-yr fixed from 7.39%

SVR 9.14%

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Pepper Money mortgage

DBF Product Transfer System

If you decide to stay with Pepper Money at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if Pepper Money is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

Pepper Money Residential Mortgage Rates

Residential mortgage rates - indicative, updated monthly. Confirm current rates with DBF before proceeding.
Product	Rate	Initial Period	Fee	Overpay
2-yr fixed 65% LTV (clean credit)	7.39%	2 years	£995
2-yr fixed 75% LTV (clean credit)	7.64%	2 years	£995
2-yr fixed 75% LTV (light adverse)	8.04%	2 years	£995
2-yr fixed 75% LTV (medium adverse)	8.54%	2 years	£1,495
5-yr fixed 65% LTV (clean credit)	5.09%Best	5 years	£995
5-yr fixed 75% LTV (clean credit)	5.37%	5 years	£995
5-yr fixed 75% LTV (light adverse)	5.84%	5 years	£995
5-yr fixed 75% LTV (medium adverse)	6.44%	5 years	£1,495
Standard Variable Rate	9.14%	Ongoing	None	-

Pepper Money Buy-to-Let Mortgage Rates

Buy-to-let mortgage rates - indicative, updated monthly. Portfolio and HMO criteria apply.
Product	Rate	Initial Period	Fee
BTL 2-yr fixed 65% LTV	7.99%	2 years	£1,495
BTL 5-yr fixed 65% LTV	5.74%Best	5 years	£1,495
BTL 5-yr fixed 75% LTV	6.07%	5 years	£1,495

Pepper Money Product Transfer Rates

Product transfers - rates indicative; DBF will confirm current availability. Cashback via DBF, not available direct.
Product Transfer Option	Rate	Initial Period	Fee	Cashback
Pepper Money 2-yr fixed PT (same LTV band)	7.44%	2 years	£0	Cashback available
Pepper Money 5-yr fixed PT (same LTV band)	5.14%	5 years	£0	Cashback available
Pepper Money PT + borrow more (residential)	5.21%	5 years	£595	Cashback available

About Pepper Money Mortgages

Pepper Money is a specialist mortgage lender offering residential and buy-to-let products for borrowers with complex credit histories. Part of the global Pepper Money group, the UK operation has built a strong reputation for accessible criteria and competitive pricing in the adverse credit market.

Pepper Money suits borrowers with recent or historic credit issues including missed payments, defaults, CCJs, and debt management plans. Their tiered product range means that the level of adverse credit is reflected in pricing, giving borrowers with lighter impairment access to more competitive rates than blunt-instrument specialist lenders.

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Tell us about your mortgage and we will compare Pepper Money's current rates against the whole market - free, fast and with no obligation.

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FAQs

Frequently asked questions

What are Pepper Money’s current mortgage rates?

Pepper Money’s current rates start from 5.09% on a 5-year fixed at 60% LTV for residential borrowers. Rates rise to 7.29% or above for higher LTV tiers and specialist products. All rates shown are indicative and reviewed monthly by DBF - contact us to confirm today’s live rates.

What is Pepper Money’s Standard Variable Rate (SVR)?

Pepper Money’s SVR is currently 9.14%. This is the rate you revert to when your fixed or tracker deal expires. DBF strongly recommends arranging a new fixed rate before this happens - the SVR is almost always more expensive than any new deal available.

Can I get cashback on a Pepper Money product transfer through DBF?

Yes. Eligible Pepper Money mortgage holders renewing through DBF can receive cashback on their product transfer. This is not available if you apply direct to Pepper Money. Contact DBF at least 3 months before your current deal expires to ensure we can secure the best rate and arrange cashback.

Is Pepper Money right for me, or should I switch lender?

That depends entirely on your circumstances. Pepper Money may offer the best rate for your profile - or a different lender in our panel of 130+ may beat them. DBF will compare the whole market and recommend the best option, whether that’s staying with Pepper Money or switching to a competitor.

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