Buy to Let
Helping you to succeed
Our affordability assessment is based on the rent received, so we don’t ask for proof of income or bank statements, ensuring a faster lending decision.
Our product range is structured around your customer’s most recently registered adverse credit including CCJs, defaults, and secured missed payments.
Portfolio Landlords
Maximum 10 properties in the portfolio with max £4m total borrowing with Pepper
Up to 80% LTV
Available up to 80% LTV including for capital raising purposes. HMO & EPC restrictions apply
No proof or minimum income required
We'll focus on the income receivable from the property as assessed by a RICS surveyor
Borrow more
125% for standard tax rate, 140% for higher rate. Personal HMO 155% and 165% for additional rate taxpayers calc. on 5 year fixed rates'
Properties with A-E EPC ratings
Lending to landlords with properties with A-E EPC ratings. HMO & LTV restrictions apply
Maximum age of 85
Maximum age of 85 at the end of the term
Try our easy to use product finder
Buy to Let Mortgage Product Rates and Criteria
- For Intermediary use only
- February 2026
- LMR = 4.25% (As of 15th January 2026)
Buy to Let
Pepper48 LightSuitable for customers: with no Default in the last 48 months 
never had a CCJ 
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Light BTL
Product Code: B51246
Pepper48 Light BTL
Product Code: B51248
Pepper48 Light BTL
Free Valuation
Product Code: B51243
Pepper48 Light BTL
Free Valuation
Product Code: B51251
Pepper48 Light BTL
Product Code: B20516
Pepper48 Light BTL
Product Code: B20519
Pepper48 Light BTL
Free Valuation
Product Code: B20522
Pepper48 Light BTL
Product Code: B51247
Pepper48 Light BTL
Product Code: B51249
Pepper48 Light BTL
Free Valuation
Product Code: B51244
Pepper48 Light BTL
Free Valuation
Product Code: B51252
Pepper48 Light BTL
Product Code: B20517
Pepper48 Light BTL
Product Code: B20520
Pepper48 Light BTL
Free Valuation
Product Code: B20523
Pepper48 Light BTL
Product Code: B51250
Pepper48 Light BTL
Free Valuation
Product Code: B51245
Pepper48 Light BTL
Free Valuation
Product Code: B51253
Pepper48 Light BTL
Product Code: B20518
Pepper48 Light BTL
Product Code: B20521
Pepper48 Light BTL
Free Valuation
Product Code: B20524
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months 
no CCJ in the last 48 months 
Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Pepper48 BTL
Product Code: B51257
Pepper48 BTL
Product Code: B51259
Pepper48 BTL
Free Valuation
Product Code: B51254
Pepper48 BTL
Free Valuation
Product Code: B51262
Pepper48 BTL
Product Code: B20525
Pepper48 BTL
Product Code: B20528
Pepper48 BTL
Free Valuation
Product Code: B20531
Pepper48 BTL
Product Code: B51258
Pepper48 BTL
Product Code: B51260
Pepper48 BTL
Free Valuation
Product Code: B51255
Pepper48 BTL
Free Valuation
Product Code: B51263
Pepper48 BTL
Product Code: B20526
Pepper48 BTL
Product Code: B20529
Pepper48 BTL
Free Valuation
Product Code: B20532
Pepper48 BTL
Product Code: B51261
Pepper48 BTL
Free Valuation
Product Code: B51256
Pepper48 BTL
Free Valuation
Product Code: B51264
Pepper48 BTL
Product Code: B20527
Pepper48 BTL
Product Code: B20530
Pepper48 BTL
Free Valuation
Product Code: B20533
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months 
never had a CCJ 
Suitable for customers: with no Default in the last 36 months never had a CCJ
Pepper36 Light BTL
Product Code: B51268
Pepper36 Light BTL
Product Code: B51270
Pepper36 Light BTL
Free Valuation
Product Code: B51265
Pepper36 Light BTL
Free Valuation
Product Code: B51273
Pepper36 Light BTL
Product Code: B20534
Pepper36 Light BTL
Product Code: B20537
Pepper36 Light BTL
Free Valuation
Product Code: B20540
Pepper36 Light BTL
Product Code: B51269
Pepper36 Light BTL
Product Code: B51271
Pepper36 Light BTL
Free Valuation
Product Code: B51266
Pepper36 Light BTL
Free Valuation
Product Code: B51274
Pepper36 Light BTL
Product Code: B20535
Pepper36 Light BTL
Product Code: B20538
Pepper36 Light BTL
Free Valuation
Product Code: B20541
Pepper36 Light BTL
Product Code: B51272
Pepper36 Light BTL
Free Valuation
Product Code: B51267
Pepper36 Light BTL
Free Valuation
Product Code: B51275
Pepper36 Light BTL
Product Code: B20536
Pepper36 Light BTL
Product Code: B20539
Pepper36 Light BTL
Free Valuation
Product Code: B20542
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months 
no CCJ in the last 36 months 
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36 BTL
Product Code: B51279
Pepper36 BTL
Product Code: B51281
Pepper36 BTL
Free Valuation
Product Code: B51276
Pepper36 BTL
Free Valuation
Product Code: B51284
Pepper36 BTL
Product Code: B20543
Pepper36 BTL
Product Code: B20546
Pepper36 BTL
Free Valuation
Product Code: B20549
Pepper36 BTL
Product Code: B51280
Pepper36 BTL
Product Code: B51282
Pepper36 BTL
Free Valuation
Product Code: B51277
Pepper36 BTL
Free Valuation
Product Code: B51285
Pepper36 BTL
Product Code: B20544
Pepper36 BTL
Product Code: B20547
Pepper36 BTL
Free Valuation
Product Code: B20550
Pepper36 BTL
Product Code: B51283
Pepper36 BTL
Free Valuation
Product Code: B51278
Pepper36 BTL
Free Valuation
Product Code: B51286
Pepper36 BTL
Product Code: B20545
Pepper36 BTL
Product Code: B20548
Pepper36 BTL
Free Valuation
Product Code: B20551
Application fee = £150 *For Free Valuation products: One free standard valuation for properties valued up to £500,000. For properties over £500,000 the valuation is payable.
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months 
never had a CCJ 
Suitable for customers: with no Default in the last 24 months never had a CCJ
Pepper24 Light BTL
Product Code: B51093
Pepper24 Light BTL
Product Code: B51095
Pepper24 Light BTL
Product Code: B51091
Pepper24 Light BTL
Product Code: B51097
Pepper24 Light BTL
Product Code: B20419
Pepper24 Light BTL
Product Code: B20421
Pepper24 Light BTL
Product Code: B20423
Pepper24 Light BTL
Product Code: B51094
Pepper24 Light BTL
Product Code: B51096
Pepper24 Light BTL
Product Code: B51092
Pepper24 Light BTL
Product Code: B51098
Pepper24 Light BTL
Product Code: B20420
Pepper24 Light BTL
Product Code: B20422
Pepper24 Light BTL
Product Code: B20424
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months 
no CCJ in the last 24 months 
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 BTL
Product Code: B51101
Pepper24 BTL
Product Code: B51103
Pepper24 BTL
Product Code: B51099
Pepper24 BTL
Product Code: B51105
Pepper24 BTL
Product Code: B20425
Pepper24 BTL
Product Code: B20427
Pepper24 BTL
Product Code: B20429
Pepper24 BTL
Product Code: B51102
Pepper24 BTL
Product Code: B51104
Pepper24 BTL
Product Code: B51100
Pepper24 BTL
Product Code: B51106
Pepper24 BTL
Product Code: B20426
Pepper24 BTL
Product Code: B20428
Pepper24 BTL
Product Code: B20430
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months 
never had a CCJ 
Suitable for customers: with no Default in the last 18 months never had a CCJ
Pepper18 Light BTL
Product Code: B51107
Pepper18 Light BTL
Product Code: B51109
Pepper18 Light BTL
Product Code: B51113
Pepper18 Light BTL
Product Code: B51111
Pepper18 Light BTL
Product Code: B20431
Pepper18 Light BTL
Product Code: B20433
Pepper18 Light BTL
Product Code: B20435
Pepper18 Light BTL
Product Code: B51108
Pepper18 Light BTL
Product Code: B51110
Pepper18 Light BTL
Product Code: B51114
Pepper18 Light BTL
Product Code: B51112
Pepper18 Light BTL
Product Code: B20432
Pepper18 Light BTL
Product Code: B20434
Pepper18 Light BTL
Product Code: B20436
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months 
no CCJ in the last 18 months 
Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Pepper18 BTL
Product Code: B51115
Pepper18 BTL
Product Code: B51117
Pepper18 BTL
Product Code: B51121
Pepper18 BTL
Product Code: B51119
Pepper18 BTL
Product Code: B20437
Pepper18 BTL
Product Code: B20439
Pepper18 BTL
Product Code: B20441
Pepper18 BTL
Product Code: B51116
Pepper18 BTL
Product Code: B51118
Pepper18 BTL
Product Code: B51122
Pepper18 BTL
Product Code: B51120
Pepper18 BTL
Product Code: B20438
Pepper18 BTL
Product Code: B20440
Pepper18 BTL
Product Code: B20442
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months 
never had a CCJ 
Suitable for customers: with no Default in the last 12 months never had a CCJ
Pepper12 Light BTL
Product Code: B51123
Pepper12 Light BTL
Product Code: B51125
Pepper12 Light BTL
Product Code: B51129
Pepper12 Light BTL
Product Code: B51127
Pepper12 Light BTL
Product Code: B20445
Pepper12 Light BTL
Product Code: B20447
Pepper12 Light BTL
Product Code: B20443
Pepper12 Light BTL
Product Code: B51124
Pepper12 Light BTL
Product Code: B51126
Pepper12 Light BTL
Product Code: B51130
Pepper12 Light BTL
Product Code: B51128
Pepper12 Light BTL
Product Code: B20446
Pepper12 Light BTL
Product Code: B20448
Pepper12 Light BTL
Product Code: B20444
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months 
no CCJ in the last 12 months 
Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Pepper12 BTL
Product Code: B51131
Pepper12 BTL
Product Code: B51133
Pepper12 BTL
Product Code: B51137
Pepper12 BTL
Product Code: B51135
Pepper12 BTL
Product Code: B20451
Pepper12 BTL
Product Code: B20453
Pepper12 BTL
Product Code: B20449
Pepper12 BTL
Product Code: B51132
Pepper12 BTL
Product Code: B51134
Pepper12 BTL
Product Code: B51138
Pepper12 BTL
Product Code: B51136
Pepper12 BTL
Product Code: B20452
Pepper12 BTL
Product Code: B20454
Pepper12 BTL
Product Code: B20450
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Buy to Let HMO
Pepper48 LightSuitable for customers: with no Default in the last 48 months 
never had a CCJ 
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Light HMO
Product Code: IH50135
Pepper48 Light HMO
Product Code: IH50136
Pepper48 Light HMO
Product Code: IH50133
Pepper48 Light HMO
Product Code: IH50131
Pepper48 Light HMO
Product Code: IH20103
Pepper48 Light HMO
Product Code: IH20105
Pepper48 Light HMO
Product Code: IH20101
Pepper48 Light HMO
Product Code: IH50137
Pepper48 Light HMO
Product Code: IH50134
Pepper48 Light HMO
Product Code: IH50132
Pepper48 Light HMO
Product Code: IH20104
Pepper48 Light HMO
Product Code: IH20106
Pepper48 Light HMO
Product Code: IH20102
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months 
no CCJ in the last 48 months 
Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Pepper48 HMO
Product Code: IH50142
Pepper48 HMO
Product Code: IH50143
Pepper48 HMO
Product Code: IH50140
Pepper48 HMO
Product Code: IH50138
Pepper48 HMO
Product Code: IH20109
Pepper48 HMO
Product Code: IH20111
Pepper48 HMO
Product Code: IH20107
Pepper48 HMO
Product Code: IH50144
Pepper48 HMO
Product Code: IH50141
Pepper48 HMO
Product Code: IH50139
Pepper48 HMO
Product Code: IH20110
Pepper48 HMO
Product Code: IH20112
Pepper48 HMO
Product Code: IH20108
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months 
never had a CCJ 
Suitable for customers: with no Default in the last 36 months never had a CCJ
Pepper36 Light HMO
Product Code: IH50149
Pepper36 Light HMO
Product Code: IH50150
Pepper36 Light HMO
Product Code: IH50147
Pepper36 Light HMO
Product Code: IH50145
Pepper36 Light HMO
Product Code: IH20115
Pepper36 Light HMO
Product Code: IH20117
Pepper36 Light HMO
Product Code: IH20113
Pepper36 Light HMO
Product Code: IH50151
Pepper36 Light HMO
Product Code: IH50148
Pepper36 Light HMO
Product Code: IH50146
Pepper36 Light HMO
Product Code: IH20116
Pepper36 Light HMO
Product Code: IH20118
Pepper36 Light HMO
Product Code: IH20114
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months 
no CCJ in the last 36 months 
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36 HMO
Product Code: IH50156
Pepper36 HMO
Product Code: IH50157
Pepper36 HMO
Product Code: IH50154
Pepper36 HMO
Product Code: IH50152
Pepper36 HMO
Product Code: IH20121
Pepper36 HMO
Product Code: IH20123
Pepper36 HMO
Product Code: IH20119
Pepper36 HMO
Product Code: IH50158
Pepper36 HMO
Product Code: IH50155
Pepper36 HMO
Product Code: IH50153
Pepper36 HMO
Product Code: IH20122
Pepper36 HMO
Product Code: IH20124
Pepper36 HMO
Product Code: IH20120
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months 
never had a CCJ 
Suitable for customers: with no Default in the last 24 months never had a CCJ
Pepper24 Light HMO
Product Code: IH50093
Pepper24 Light HMO
Product Code: IH50094
Pepper24 Light HMO
Product Code: IH50091
Pepper24 Light HMO
Product Code: IH50089
Pepper24 Light HMO
Product Code: IH20067
Pepper24 Light HMO
Product Code: IH20069
Pepper24 Light HMO
Product Code: IH20065
Pepper24 Light HMO
Product Code: IH50095
Pepper24 Light HMO
Product Code: IH50092
Pepper24 Light HMO
Product Code: IH50090
Pepper24 Light HMO
Product Code: IH20068
Pepper24 Light HMO
Product Code: IH20070
Pepper24 Light HMO
Product Code: IH20066
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months 
no CCJ in the last 24 months 
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 HMO
Product Code: IH50100
Pepper24 HMO
Product Code: IH50101
Pepper24 HMO
Product Code: IH50098
Pepper24 HMO
Product Code: IH50096
Pepper24 HMO
Product Code: IH20073
Pepper24 HMO
Product Code: IH20075
Pepper24 HMO
Product Code: IH20071
Pepper24 HMO
Product Code: IH50102
Pepper24 HMO
Product Code: IH50099
Pepper24 HMO
Product Code: IH50097
Pepper24 HMO
Product Code: IH20074
Pepper24 HMO
Product Code: IH20076
Pepper24 HMO
Product Code: IH20072
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months 
never had a CCJ 
Suitable for customers: with no Default in the last 18 months never had a CCJ
Pepper18 Light HMO
Product Code: IH50107
Pepper18 Light HMO
Product Code: IH50108
Pepper18 Light HMO
Product Code: IH50105
Pepper18 Light HMO
Product Code: IH50103
Pepper18 Light HMO
Product Code: IH20079
Pepper18 Light HMO
Product Code: IH20081
Pepper18 Light HMO
Product Code: IH20077
Pepper18 Light HMO
Product Code: IH50109
Pepper18 Light HMO
Product Code: IH50106
Pepper18 Light HMO
Product Code: IH50104
Pepper18 Light HMO
Product Code: IH20080
Pepper18 Light HMO
Product Code: IH20082
Pepper18 Light HMO
Product Code: IH20078
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months 
no CCJ in the last 18 months 
Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Pepper18 HMO
Product Code: IH50114
Pepper18 HMO
Product Code: IH50115
Pepper18 HMO
Product Code: IH50112
Pepper18 HMO
Product Code: IH50110
Pepper18 HMO
Product Code: IH20085
Pepper18 HMO
Product Code: IH20087
Pepper18 HMO
Product Code: IH20083
Pepper18 HMO
Product Code: IH50116
Pepper18 HMO
Product Code: IH50113
Pepper18 HMO
Product Code: IH50111
Pepper18 HMO
Product Code: IH20086
Pepper18 HMO
Product Code: IH20088
Pepper18 HMO
Product Code: IH20084
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months 
never had a CCJ 
Suitable for customers: with no Default in the last 12 months never had a CCJ
Pepper12 Light HMO
Product Code: IH50121
Pepper12 Light HMO
Product Code: IH50122
Pepper12 Light HMO
Product Code: IH50119
Pepper12 Light HMO
Product Code: IH50117
Pepper12 Light HMO
Product Code: IH20091
Pepper12 Light HMO
Product Code: IH20093
Pepper12 Light HMO
Product Code: IH20089
Pepper12 Light HMO
Product Code: IH50123
Pepper12 Light HMO
Product Code: IH50120
Pepper12 Light HMO
Product Code: IH50118
Pepper12 Light HMO
Product Code: IH20092
Pepper12 Light HMO
Product Code: IH20094
Pepper12 Light HMO
Product Code: IH20090
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months 
no CCJ in the last 12 months 
Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Pepper12 HMO
Product Code: IH50128
Pepper12 HMO
Product Code: IH50129
Pepper12 HMO
Product Code: IH50126
Pepper12 HMO
Product Code: IH50124
Pepper12 HMO
Product Code: IH20097
Pepper12 HMO
Product Code: IH20099
Pepper12 HMO
Product Code: IH20095
Pepper12 HMO
Product Code: IH50130
Pepper12 HMO
Product Code: IH50127
Pepper12 HMO
Product Code: IH50125
Pepper12 HMO
Product Code: IH20098
Pepper12 HMO
Product Code: IH20100
Pepper12 HMO
Product Code: IH20096
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Buy to Let Criteria
| Applicant Details | |
|---|---|
| Minimum Age | 21 years |
| Maximum Age | 85 years at end of term |
| Maximum Applicants | 2 |
| Employed | Minimum of 3 months in current job with 6 months' continuous employment and not in probation. |
| Self-Employed | Must have been in their current business for a minimum of 12 months |
| Loan Size | |
|---|---|
| Loan Size | |
| Minimum | £25,001 |
| Maximum | For Buy to Let: The maximum loan size is £2 million within the following LTV limits:
For BTL HMO: The maximum loan size is £1 million within the following LTV limits:
|
| Repayment | |
| Repayment | Capital & Interest; Interest Only |
| Property Value | |
| Minimum | For Buy to Let: £70,000. For BTL HMO: £100,000. |
| Term | |
| Minimum | 5 years and 1 month |
| Maximum | 35 years |
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