Pepper cuts residential and affordable home ownership rates

The lender says it has made 'significant cuts' to a number of two-year fixed rate products.

Related topics:  Pepper Money,  Mortgage rates
Rozi Jones | Editor, Financial Reporter
10th July 2026
blocks with percentage signs going down

Pepper Money has announced further rate reductions across its residential and affordable home ownership mortgages.

Following the latest changes, residential rates start from 5.30% up to 75% LTV and shared ownership rates start from 5.65%.

Right to Buy rates are available from 6.00% and Help to Buy rates begin at 5.90%, both up to 75% LTV.

Paul Adams, sales director at Pepper Money, said: "These latest rate reductions demonstrate our commitment to providing competitive mortgage solutions for both customers and brokers across a wide range of borrowing needs. By improving pricing across our residential and affordable home ownership ranges, we are helping more customers access homeownership opportunities, while ensuring brokers have the products they need to support those with more complex circumstances. 

"We're particularly pleased that some of these changes position us among the most competitively priced lenders in our peer group, further strengthening our proposition in key areas of the market."

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