Pepper 36 — 2yr Fixed
Indicative monthly
£1,349
- Rate
- 6.49%
- Term
- 2y fixed
- Max LTV
- 75%
- Product fee
- £999
Specialist adverse credit — free advice
We make the complicated simple.
We match you to specialist lenders who understand CCJs, defaults and DMPs — with free advice from a qualified adviser.
Rates shown are indicative and subject to change. Your actual rate will be confirmed following a full assessment by one of our qualified advisers. Your home may be repossessed if you do not keep up repayments on your mortgage.
How it works
Three steps. No fees. No judgement.
01
Tell us what's happened.
A few quick questions about your situation, your income, and what you need. No credit checks at this stage.
02
We match you to specialist lenders.
We cross-check your details against lenders who actively work with adverse credit. Indicative options appear instantly.
03
A qualified adviser calls you back.
Free and no obligation. They'll confirm your options, gather any documents needed, and submit your application — only if you want to proceed.
FAQ
Questions, answered.
Will checking my options affect my credit file?
No. The indicative matches we show are based on the details you give us and don't involve a credit check at this stage. Only a full mortgage application affects your file, and that only happens with your consent.
What kinds of adverse credit do you work with?
CCJs, defaults, missed payments, debt management plans, IVAs, ex-bankrupts, and low credit scores. Most situations have a specialist lender route — that's exactly what specialist lenders exist for.
Do I have to pay a fee?
No. Our advice is free to you. The lender pays us a procuration fee on completion, so you pay nothing for the broker service.
How quickly will I hear back?
You see indicative options the moment you finish the questionnaire. A qualified adviser typically calls you back within one working day to confirm your options and answer questions.
What if I've been refused elsewhere?
Refusals on the high street don't disqualify you from specialist lenders. The lenders we work with actively look for situations the high street turns away — they understand that one missed payment two years ago doesn't define you.
Are you regulated?
GETMY.HOUSE is an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.
Final wording to be confirmed at compliance sign-off.