Buy to Let
Helping you to succeed
We can support your Personal Buy to Let customers with competitive rates and fast application turnarounds. Whether they’re a first-time landlord, growing their portfolio, or looking to raise capital on an existing property, we could help.
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 (80% LTV for EPC A-C; 75% for EPC D; 70% for EPC E), including for capital raising purposes
No Credit Scoring
Credit scoring isn't used to make lending decisions
Borrow more
125% of pay rate for standard rate, 140% for higher rate, and 165% for additional rate taxpayers used for rental calculation on 5 year fixed rates
Properties with A-E EPC ratings
Lending to landlords with properties with A-E EPC ratings
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
- May 2025
- LMR = 5.30% (As of 14th March 2025)
- For Intermediary use only
- May 2025
- LMR = 5.30% (As of 14th March 2025)
Buy to Let
Pepper48 Light - Suitable for customers that haven’t had a Default in the last 48 months and who have never had a CCJ
Product
Term
LTV
Initial Rate
Comp Fee
Rental Calc. (140% x)
Reversion Rates
(LMR +)
ERC
- 5 Years
- 70%
- 4.99%
- 5%
- 4.99%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 5.79%
- ** £1,995 / £2,995
- 5.80%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 5.89%
- * £995
- 5.90%
- 4.00%
- 4%,4%,3%,3%,2%
- 2 Years
- 70%
- 5.69%
- 2%
- 9.39%
- 4.00%
- 3%,2%
- 2 Years
- 70%
- 5.93%
- * £995
- 9.39%
- 4.00%
- 3%,2%
- 5 Years
- 75%
- 5.14%
- 5%
- 5.15%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 5.94%
- ** £1,995 / £2,995
- 5.95%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.04%
- * £995
- 6.05%
- 4.25%
- 4%,4%,3%,3%,2%
- 2 Years
- 75%
- 5.84%
- 2%
- 9.56%
- 4.25%
- 3%,2%
- 2 Years
- 75%
- 6.08%
- * £995
- 9.56%
- 4.25%
- 3%,2%
- 5 Years
- 80%
- 5.39%
- 5%
- 5.40%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 80%
- 6.19%
- ** £1,995 / £2,995
- 6.20%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 80%
- 6.29%
- * £995
- 6.30%
- 4.50%
- 4%,4%,3%,3%,2%
- 2 Years
- 80%
- 6.09%
- 2%
- 9.89%
- 4.50%
- 3%,2%
- 2 Years
- 80%
- 6.33%
- * £995
- 9.89%
- 4.50%
- 3%,2%
Application fee = £150
*£995 Available up to a maximum loan size of £300,000
**Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
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 |
| Reposessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper48 - Suitable for customers that haven’t had a CCJ or Default in the last 48 months
Product
Term
LTV
Initial Rate
Comp Fee
Rental Calc. (140% x)
Reversion Rates
(LMR +)
ERC
- 5 Years
- 70%
- 5.04%
- 5%
- 5.05%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 5.84%
- ** £1,995 / £2,995
- 5.85%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 5.94%
- * £995
- 5.95%
- 4.00%
- 4%,4%,3%,3%,2%
- 2 Years
- 70%
- 5.74%
- 2%
- 9.39%
- 4.00%
- 3%,2%
- 2 Years
- 70%
- 5.98%
- * £995
- 9.39%
- 4.00%
- 3%,2%
- 5 Years
- 75%
- 5.19%
- 5%
- 5.20%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 5.99%
- ** £1,995 / £2,995
- 6.00%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.09%
- * £995
- 6.10%
- 4.25%
- 4%,4%,3%,3%,2%
- 2 Years
- 75%
- 5.89%
- 2%
- 9.56%
- 4.25%
- 3%,2%
- 2 Years
- 75%
- 6.13%
- * £995
- 9.56%
- 4.25%
- 3%,2%
- 5 Years
- 80%
- 5.44%
- 5%
- 5.45%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 80%
- 6.24%
- ** £1,995 / £2,995
- 6.25%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 80%
- 6.34%
- * £995
- 6.35%
- 4.50%
- 4%,4%,3%,3%,2%
- 2 Years
- 80%
- 6.14%
- 2%
- 9.89%
- 4.50%
- 3%,2%
- 2 Years
- 80%
- 6.38%
- * £995
- 9.89%
- 4.50%
- 3%,2%
Application fee = £150
*£995 Available up to a maximum loan size of £300,000
**Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
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 |
| Reposessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 Light - Suitable for customers that haven’t had a Default in the last 36 months and who have never had a CCJ
Product
Term
LTV
Initial Rate
Comp Fee
Rental Calc. (140% x)
Reversion Rates
(LMR +)
ERC
- 5 Years
- 70%
- 5.09%
- 5%
- 5.10%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 5.89%
- ** £1,995 / £2,995
- 5.90%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 5.99%
- * £995
- 6.00%
- 4.00%
- 4%,4%,3%,3%,2%
- 2 Years
- 70%
- 5.79%
- 2%
- 9.39%
- 4.00%
- 3%,2%
- 2 Years
- 70%
- 6.03%
- * £995
- 9.39%
- 4.00%
- 3%,2%
- 5 Years
- 75%
- 5.24%
- 5%
- 5.25%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.04%
- ** £1,995 / £2,995
- 6.05%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.14%
- * £995
- 6.15%
- 4.25%
- 4%,4%,3%,3%,2%
- 2 Years
- 75%
- 5.94%
- 2%
- 9.56%
- 4.25%
- 3%,2%
- 2 Years
- 75%
- 6.18%
- * £995
- 9.56%
- 4.25%
- 3%,2%
- 5 Years
- 80%
- 5.49%
- 5%
- 5.50%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 80%
- 6.29%
- ** £1,995 / £2,995
- 6.30%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 80%
- 6.39%
- * £995
- 6.40%
- 4.50%
- 4%,4%,3%,3%,2%
- 2 Years
- 80%
- 6.19%
- 2%
- 9.89%
- 4.50%
- 3%,2%
- 2 Years
- 80%
- 6.43%
- * £995
- 9.89%
- 4.50%
- 3%,2%
Application fee = £150
*£995 Available up to a maximum loan size of £300,000
**Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
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 |
| Reposessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 - Suitable for customers that haven’t had a CCJ or Default in the last 36 months
Product
Term
LTV
Initial Rate
Comp Fee
Rental Calc. (140% x)
Reversion Rates
(LMR +)
ERC
- 5 Years
- 70%
- 5.14%
- 5%
- 5.15%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 5.94%
- ** £1,995 / £2,995
- 5.95%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.04%
- * £995
- 6.05%
- 4.00%
- 4%,4%,3%,3%,2%
- 2 Years
- 70%
- 5.84%
- 2%
- 9.39%
- 4.00%
- 3%,2%
- 2 Years
- 70%
- 6.08%
- * £995
- 9.39%
- 4.00%
- 3%,2%
- 5 Years
- 75%
- 5.29%
- 5%
- 5.30%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.09%
- ** £1,995 / £2,995
- 6.10%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.19%
- * £995
- 6.20%
- 4.25%
- 4%,4%,3%,3%,2%
- 2 Years
- 75%
- 5.99%
- 2%
- 9.56%
- 4.25%
- 3%,2%
- 2 Years
- 75%
- 6.23%
- * £995
- 9.56%
- 4.25%
- 3%,2%
- 5 Years
- 80%
- 5.54%
- 5%
- 5.55%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 80%
- 6.34%
- ** £1,995 / £2,995
- 6.35%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 80%
- 6.44%
- * £995
- 6.45%
- 4.50%
- 4%,4%,3%,3%,2%
- 2 Years
- 80%
- 6.24%
- 2%
- 9.89%
- 4.50%
- 3%,2%
- 2 Years
- 80%
- 6.48%
- * £995
- 9.89%
- 4.50%
- 3%,2%
Application fee = £150
*£995 Available up to a maximum loan size of £300,000
**Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
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 |
| Reposessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 Light - Suitable for customers that haven’t had a Default in the last 24 months and who have never had a CCJ
Product
Term
LTV
Initial Rate
Comp Fee
Rental Calc. (140% x)
Reversion Rates
(LMR +)
ERC
- 5 Years
- 70%
- 5.19%
- 5%
- 5.20%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 5.99%
- ** £1,995 / £2,995
- 6.00%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.09%
- * £995
- 6.10%
- 4.00%
- 4%,4%,3%,3%,2%
- 2 Years
- 70%
- 5.89%
- 2%
- 9.39%
- 4.00%
- 3%,2%
- 2 Years
- 70%
- 6.13%
- * £995
- 9.39%
- 4.00%
- 3%,2%
- 5 Years
- 75%
- 5.34%
- 5%
- 5.35%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.14%
- ** £1,995 / £2,995
- 6.15%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.24%
- * £995
- 6.25%
- 4.25%
- 4%,4%,3%,3%,2%
- 2 Years
- 75%
- 6.04%
- 2%
- 9.56%
- 4.25%
- 3%,2%
- 2 Years
- 75%
- 6.28%
- * £995
- 9.56%
- 4.25%
- 3%,2%
Application fee = £150
*£995 Available up to a maximum loan size of £300,000
**Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
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 |
| Reposessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 - Suitable for customers that haven’t had a CCJ or Default in the last 24 months
Product
Term
LTV
Initial Rate
Comp Fee
Rental Calc. (140% x)
Reversion Rates
(LMR +)
ERC
- 5 Years
- 70%
- 5.24%
- 5%
- 5.25%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.04%
- ** £1,995 / £2,995
- 6.05%
- 4.00%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.14%
- * £995
- 6.15%
- 4.00%
- 4%,4%,3%,3%,2%
- 2 Years
- 70%
- 5.94%
- 2%
- 9.39%
- 4.00%
- 3%,2%
- 2 Years
- 70%
- 6.18%
- * £995
- 9.39%
- 4.00%
- 3%,2%
- 5 Years
- 75%
- 5.39%
- 5%
- 5.40%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.19%
- ** £1,995 / £2,995
- 6.20%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.29%
- * £995
- 6.30%
- 4.25%
- 4%,4%,3%,3%,2%
- 2 Years
- 75%
- 6.09%
- 2%
- 9.56%
- 4.25%
- 3%,2%
- 2 Years
- 75%
- 6.33%
- * £995
- 9.56%
- 4.25%
- 3%,2%
Application fee = £150
*£995 Available up to a maximum loan size of £300,000
**Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
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 |
| Reposessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18 Light - Suitable for customers that haven’t had a Default in the last 18 months and who have never had a CCJ
Product
Term
LTV
Initial Rate
Comp Fee
Rental Calc. (140% x)
Reversion Rates
(LMR +)
ERC
- 5 Years
- 70%
- 5.29%
- 5%
- 5.30%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.09%
- ** £1,995 / £2,995
- 6.10%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.19%
- * £995
- 6.20%
- 4.25%
- 4%,4%,3%,3%,2%
- 2 Years
- 70%
- 5.99%
- 2%
- 9.56%
- 4.25%
- 3%,2%
- 2 Years
- 70%
- 6.23%
- * £995
- 9.56%
- 4.25%
- 3%,2%
- 5 Years
- 75%
- 5.44%
- 5%
- 5.45%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.24%
- ** £1,995 / £2,995
- 6.25%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.34%
- * £995
- 6.35%
- 4.50%
- 4%,4%,3%,3%,2%
- 2 Years
- 75%
- 6.14%
- 2%
- 9.89%
- 4.50%
- 3%,2%
- 2 Years
- 75%
- 6.38%
- * £995
- 9.89%
- 4.50%
- 3%,2%
Application fee = £150
*£995 Available up to a maximum loan size of £300,000
**Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
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 |
| Reposessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18 - Suitable for customers that haven’t had a CCJ or Default in the last 18 months
Product
Term
LTV
Initial Rate
Comp Fee
Rental Calc. (140% x)
Reversion Rates
(LMR +)
ERC
- 5 Years
- 70%
- 5.34%
- 5%
- 5.35%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.14%
- ** £1,995 / £2,995
- 6.15%
- 4.25%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.24%
- * £995
- 6.25%
- 4.25%
- 4%,4%,3%,3%,2%
- 2 Years
- 70%
- 6.04%
- 2%
- 9.56%
- 4.25%
- 3%,2%
- 2 Years
- 70%
- 6.28%
- * £995
- 9.56%
- 4.25%
- 3%,2%
- 5 Years
- 75%
- 5.49%
- 5%
- 5.50%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.29%
- ** £1,995 / £2,995
- 6.30%
- 4.50%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.39%
- * £995
- 6.40%
- 4.50%
- 4%,4%,3%,3%,2%
- 2 Years
- 75%
- 6.19%
- 2%
- 9.89%
- 4.50%
- 3%,2%
- 2 Years
- 75%
- 6.43%
- * £995
- 9.89%
- 4.50%
- 3%,2%
Application fee = £150
*£995 Available up to a maximum loan size of £300,000
**Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
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 |
| Reposessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 Light - Suitable for customers that haven’t had a Default in the last 12 months and who have never had a CCJ
Product
Term
LTV
Initial Rate
Comp Fee
Rental Calc. (140% x)
Reversion Rates
(LMR +)
ERC
- 5 Years
- 70%
- 5.39%
- 5%
- 5.40%
- 4.55%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.19%
- ** £1,995 / £2,995
- 6.20%
- 4.55%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.29%
- * £995
- 6.30%
- 4.55%
- 4%,4%,3%,3%,2%
- 2 Years
- 70%
- 6.09%
- 2%
- 9.86%
- 4.55%
- 3%,2%
- 2 Years
- 70%
- 6.33%
- * £995
- 9.86%
- 4.55%
- 3%,2%
- 5 Years
- 75%
- 5.54%
- 5%
- 5.55%
- 4.80%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.34%
- ** £1,995 / £2,995
- 6.35%
- 4.80%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.44%
- * £995
- 6.45%
- 4.80%
- 4%,4%,3%,3%,2%
- 2 Years
- 75%
- 6.24%
- 2%
- 10.11%
- 4.80%
- 3%,2%
- 2 Years
- 75%
- 6.48%
- * £995
- 10.11%
- 4.80%
- 3%,2%
Application fee = £150
*£995 Available up to a maximum loan size of £300,000
**Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
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 |
| Reposessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 - Suitable for customers that haven’t had a CCJ or Default in the last 12 months
Product
Term
LTV
Initial Rate
Comp Fee
Rental Calc. (140% x)
Reversion Rates
(LMR +)
ERC
- 5 Years
- 70%
- 5.44%
- 5%
- 5.45%
- 4.55%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.24%
- ** £1,995 / £2,995
- 6.25%
- 4.55%
- 4%,4%,3%,3%,2%
- 5 Years
- 70%
- 6.34%
- * £995
- 6.35%
- 4.55%
- 4%,4%,3%,3%,2%
- 2 Years
- 70%
- 6.14%
- 2%
- 9.86%
- 4.55%
- 3%,2%
- 2 Years
- 70%
- 6.38%
- * £995
- 9.86%
- 4.55%
- 3%,2%
- 5 Years
- 75%
- 5.59%
- 5%
- 5.60%
- 4.80%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.39%
- ** £1,995 / £2,995
- 6.40%
- 4.80%
- 4%,4%,3%,3%,2%
- 5 Years
- 75%
- 6.49%
- * £995
- 6.50%
- 4.80%
- 4%,4%,3%,3%,2%
- 2 Years
- 75%
- 6.29%
- 2%
- 10.11%
- 4.80%
- 3%,2%
- 2 Years
- 75%
- 6.53%
- * £995
- 10.11%
- 4.80%
- 3%,2%
Application fee = £150
*£995 Available up to a maximum loan size of £300,000
**Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
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 |
| Reposessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Buy to Let Criteria
Key Criteria
Key Criteria
| Applicants | Loan Size | ||
|---|---|---|---|
| Minimum Age | 21 years | Minimum | £25,001 |
| Maximum Age | 85 years at end of term | Maximum | The maximum loan size is £2 million within the following LTV limits:
|
| Maximum Applicants | 2 | ||
| Employed | Minimum of 3 months in current job with 6 months' continuous employment and not in probation. | ||
| Repayment | Capital & Interest; Interest Only | ||
| Self Employed | Must have been in their current business for a minimum of 12 months | Property value | |
| Minimum | £70,000 | ||
| Term | |||
| Minimum | 5 years and 1 month | ||
| Maximum | 35 years | ||
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