Specialist mortgage lender Pepper Money has launched a residential remortgage limited edition within its Pepper 48 range, introducing a 75% loan-to-value (LTV) two-year fixed reduced by 0.30% compared to its current equivalent offering.

Starting from 5.09% up to 75% LTV, the new product is aimed at remortgage customers whose circumstances place them just outside traditional high street lending appetite, including those with credit blips or more complex financial profiles.

The limited edition is available with a choice of fee options of £0, £795 or £1,495, enabling advisers to tailor pricing to individual customer priorities. Customers can also select either free legals or £350 cashback, helping to manage upfront remortgage costs.

The product supports capital raising, allowing customers to consolidate unsecured borrowing or release funds for home improvements where appropriate.

Commenting on the launch and its timing, Pepper Money sales director Paul Adams said: “2026 represents one of the most significant remortgage years in recent memory. With 1.8 million fixed rates maturing, brokers have a vital role in helping customers assess their options carefully rather than defaulting to the most convenient route.

“Our new Residential Remortgage Limited Edition delivers sharper pricing within Pepper 48, alongside flexible fee choices and cost support through free legals or cashback. This gives advisers a strong solution for customers who may not meet mainstream criteria.”