A poor credit rating doesn’t necessarily equal a high mortgage rate.

Even though the base rate has increased by a quarter of a percent, some lenders are still offering what, for them, represent their cheapest ever mortgage rates. In addition, you don’t have to have a perfect credit score to qualify for them either.


Pepper Money is a specialist mortgage lender who has recently unveiled their lowest rates on their 2 and 5 year fixed-term products as well as their buy to let range. For clients who have not incurred a CCJ or default in the last 48 or 36 months, highlights include:

Pepper 48 2 year fix:

  • 17% for up to 65% LTV
  • 27% for up to 70% LTV
  • 37% for up to 75% LTV

Pepper 48, 5 year fix starts from 2.97% for up to 65% LTV.

The Pepper 36 2 year fixed rate range starts from 2.23% for up to 65% LTV.

The Pepper 36 5 year fixed rate range starts from 3.07% for up to 65% LTV.

This lender doesn’t use clients’ credit scores to define their pricing structure and the supporting evidence of each application is evaluated individually.

Consulting with Deal Direct can be extremely advantageous in cases where credit scores are not without blemishes. With our level of experience and expertise in the market, we know which mortgage providers concentrate in catering to the needs of those with less-than-straightforward lending requirements.

Where there’s a will, there’s a lender and, acting solely in your best interests, we can help you find the right lender for you.

To discuss your needs in greater detail, contact us on

0800 048 8828.   

start mortgage search

Article published: Monday, October 29, 2018
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