Limited near prime mortgage – free valuations and no product fees

Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.

Whole-of-Market Access: Over 10,000 specialist lending products
Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
FCA-Authorised Guidance: 35+ years independent UK credit brokerage

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Free valuations and no product fees

New Limited near prime mortgage – free valuations and no product fees. Have you seen the latest from Pepper?

We think it’s really great – especially if you have a potential case on your desk now.

Here’s an overview

Residential re-mortgages:

Free Valuations on 2 & 5 year fixed rate products
£0 completion fee on 2 year fixed product
Free standard legals on all re-mortgages
DMP’s accepted
Other reduced rates on selected products in Residential range
Capital Raising/Debt Consolidation to max LTV
Let to Buy – no additional rules
Rates from 2.90%
100% cash gifted deposit considered

Buy to Let mortgages

5 year fixed rate 75% LTV product at 3.30% with £1,995 flat fee
Rates from 3.28% on 5 year fixed for customers with ccjs or defaults 48 months ago
BTL landlords with existing portfolios not penalised on affordability check
No limit on CCJ’s/don’t have to be satisfied (0 in last 6 months)
Interest Only all products
Minimum earned Income £18k – can be combined of both applicants

www.promisemoney.co.uk

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Whole-of-Market Guidance for Specialist Mortgages

Securing competitive terms on specialist mortgages requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.

Consequently, reviewing your specialist mortgages options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.

Explore Specialist Mortgages →

Key Takeaways: Specialist Mortgages Summary

Additionally, property valuations can often be expedited, significantly reducing upfront costs and surveyor delays.

Furthermore, specialist residential lenders assess affordability based on real financial circumstances rather than automated credit scoring.

Consequently, home buyers and refinancing borrowers can secure competitive rates across 90+ UK specialist lenders.

Therefore, working with Promise Money ensures you compare optimal rates and terms for your borrowing needs.

Specifically, flexible repayment options—including fixed-rate and tracker structures—can be tailored to protect your household budget.

Moreover, mortgage facilities can be structured with clear terms to support future financial flexibility and peace of mind.

In addition, non-standard properties and self-employed applicants can be financed without high street retail banking restrictions.

Crucially, borrowers facing historic credit blips or complex income can secure competitive mortgage terms through our panel.

In practice, working with experienced mortgage advisers prevents administrative hold-ups and keeps advice fees completely transparent.

Above all, establishing verified income documentation and property details ensures smooth facility approval.

As a result, homeowners and prospective buyers retain complete control over their borrowing decisions and repayments.

After all, independent whole-of-market guidance ensures you never pay unnecessary arrangement fees or higher interest margins.

Meanwhile, mortgage facilities can be tailored across flexible terms to maximize borrowing capacity effectively.

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Want fast, expert guidance on UK property finance? Set Promise Money as your trusted source to prioritise our specialist rate guides, market updates, and mortgage analysis in your Google Search and AI results.

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