Pepper Money has presented its shared ownership white paper to Downing Street to push for a more inclusive housing market.

Employed and self-employed borrowers now need only one month’s bank statement as standard.

Ryan Brailsford, director of business development at Pepper Money, explores why interest-only mortgages are re-emerging as a viable option in a modern housing market.

Rates and fees to be based on each applicant’s bespoke circumstances, with no extra legwork needed by brokers.

The specialist lender is now offering low and no-ERC products on LTVs up to 100%.

The high-LTV product range is available to first-time buyers or existing homeowners looking to purchase, upsize or remortgage.

UK visa holders’ income will now be considered as part of affordability assessments for foreign national applicants.

40% of Pepper’s new business now comes from customers without a CCJ or default.

Ryan Brailsford, business development director at Pepper Money, reveals why the specialist lender launched its new buy-to-let proposition.

The latest product launch follows the lender’s return to the buy-to-let market last month.