Pepper Money Cuts All Mortgage Rates by 0.20% — What Contractor Borrowers Need to Know
Pepper Money cut all residential and BTL mortgage rates by 0.20% on 25 June 2026. Here is why specialist lenders like Pe…
Your day rate is your income. We know which lenders agree — and how to prove it.
That's how much contractors are leaving on the table.
Mortgage solutions built around how contractors actually work.
Day rate-based borrowing for IT contractors, consultants, and independent professionals.
Build your portfolio using contract income. We know the lenders who accept this.
Access capital tied up in your property without proving traditional employment income.
Life insurance and income protection that understands your contract-based earnings.
Before becoming a qualified broker
We earn from lenders, not you
Based on annualised day rate
One call. 30 minutes. We'll discuss your contract, your timeline, and what you're looking to achieve.
We approach contractor-friendly lenders, presenting your income in the format they understand.
We manage the application through to completion. You focus on your contract. We focus on your mortgage.
Transparent pricing. No hidden charges.
| Service | Day Rate Finance | Market average |
|---|---|---|
| Standard residential First-time buyer or remortgage | £0 | £750+ |
| First BTL Buy-to-let for new landlords | £199 | £750+ |
| Complex cases Limited company, adverse credit, multiple contracts | £499 | £1,500+ |
Book a free, no-obligation call. We'll run the numbers and give you a clear picture of your options.
Pepper Money cut all residential and BTL mortgage rates by 0.20% on 25 June 2026. Here is why specialist lenders like Pe…
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Mortgage rates continued to fall in the week of June 19 2026, with the average 2-year fix dropping to approximately 5.07…