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Foreign Nationals

Foreign Nationals

All applicants must:
Live and work in the UK (Applicants residing in the Isle of Man and Channel Islands are not acceptable).

  • Be UK taxpayers (where income is being used to support the application).
  • Provide evidence of a minimum employment history of 12 months in the UK (where income is used to support the application).
  • Have resided in the UK for at least the last 3 years.

Sole Applications
We’ll accept income on a sole application when:

  • An applicant is an EEA national with a Settled Status (Pre-Settled Status is unacceptable for sole applications).
  • An applicant is a non-EEA National with Indefinite Leave to Remain in the UK.

Joint Applications
For Joint applications, at least one applicant must have Indefinite Leave to Remain in the UK or Settled Status. We’ll accept income on a joint application when:
An applicant is an EEA National with a Settled Status.

  • An applicant is a Non-EEA National with Indefinite Leave to Remain in the UK.

Income of the joint applicant can also be used if they are an EEA national with Pre-Settled Status or a Non-EEA national without Indefinite Leave to Remain in the UK if they have one of the following Visa’s with at least 12 months remaining at the time of submission to our office:

  • Tier 1 Entrepreneur
  • Tier 2 Skilled worker
  • Senior or Specialist Worker
  • Family
  • Health and Care Worker

Joint applicants are acceptable without Indefinite Leave to Remain in the UK, Settled Status, Pre-settled Status or an acceptable Visa, however we will not use their income for affordability.

All non EAA applicants will be required to submit a certified copy of a valid passport during their application.

Pipeline Applications
The above criteria applies to Quick Apps from Thursday 5th March onwards. Our updated Broker Packaging Guides can be found here: Second Charge Broker Resources – Pepper Money UK

Please refer any applications, quoted before Thursday 5th March, that don’t meet the above criteria to 2ndcharge.referrals@pepper.money.

Support

We continue to offer super quick turnarounds and certainty of completion.

If you have any questions or would like to discuss how Pepper could help your customers, please contact –

Claire Blunt 07519 750079 (North), Nicola Culshaw 07519 750084 (North), Nicholas East 07498 291038 (South), Ryan McGrath 07354 249284, or myself.