Pepper Homeloans has cuts short-term fixes by up to 0.95% on its core mortgage range (NP1 & NP2).
Rates start from 2.28% for a choice of 2-year or 30-month deals and are available up to 85% loan-to-value.
The NP product is aimed at marginal high street credit score fails and accommodates applicants with no CCJs/defaults in the last 48 months.
Rob Barnard (pictured), sales director of Pepper Homeloans, said: “Adverse credit records remain on file for 72 months, despite the fact that borrowers may have conducted their finances in an exemplary fashion in recent years.
“Our NP range means that such borrowers now have access to competitively priced mortgage finance and can benefit from rates starting from just 2.28%.”