Related topic: Pepper Money

The specialist lender offers flexible fee options and free legals or £350 cashback across the range.

Pepper's lowest buy-to-let rate is now 3.94%.

The study by Pepper Money finds that confidence gaps are most pronounced among women, younger adults and lower-income households.

Residential rates have reduced by up to 0.35% across the Pepper48 range, including limited edition products.

The lender delivers rate reductions of up to 25bps and broadens HMO eligibility to support landlord affordability.

The lender has also introduced £350 cashback for remortgage customers.

More than a third of UK homeowners hold multiple credit cards and frequently use overdrafts to manage spending, according to new research from Pepper Money.

Michelle joins Pepper Money following more than twelve years with Nationwide.

Nicholas has been with the specialist lender for eight years.

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