Buy to Let
Helping you to succeed
We can support your personal Buy to Let customers with HMOs, 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 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
- September 2025
- LMR = 4.50% (As of 15th September 2025)
- For Intermediary use only
- September 2025
- LMR = 4.50% (As of 15th September 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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper48 Light BTL Product Code: B50948 | 5 Years | EPC A-E | 70% | 4.99% | 5.00% | 4.99% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 Light BTL Product Code: B50945 | 5 Years | EPC A-E | 70% | 5.79% | £1,995 / £2,995 | 5.79% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 Light BTL Product Code: B50951 | 5 Years | EPC A-E | 70% | 5.89% | £995 | 5.89% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 Light BTL Product Code: B20315 | 2 Years | EPC A-E | 70% | 5.69% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper48 Light BTL Product Code: B20318 | 2 Years | EPC A-E | 70% | 5.93% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper48 Light BTL Product Code: B50949 | 5 Years | EPC A-D | 75% | 5.14% | 5.00% | 5.14% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 Light BTL Product Code: B50946 | 5 Years | EPC A-D | 75% | 5.94% | £1,995 / £2,995 | 5.94% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 Light BTL Product Code: B50952 | 5 Years | EPC A-D | 75% | 6.04% | £995 | 6.04% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 Light BTL Product Code: B20316 | 2 Years | EPC A-D | 75% | 5.84% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper48 Light BTL Product Code: B20319 | 2 Years | EPC A-D | 75% | 6.08% | £995 | 8.75% | 4.25% | 3%,2% |
| Pepper48 Light BTL Product Code: B50950 | 5 Years | EPC A-C | 80% | 5.39% | 5.00% | 5.39% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper48 Light BTL Product Code: B50947 | 5 Years | EPC A-C | 80% | 6.19% | £1,995 / £2,995 | 6.19% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper48 Light BTL Product Code: B50953 | 5 Years | EPC A-C | 80% | 6.29% | £995 | 6.29% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper48 Light BTL Product Code: B20317 | 2 Years | EPC A-C | 80% | 6.09% | 2.00% | 9.00% | 4.50% | 3%,2% |
| Pepper48 Light BTL Product Code: B20320 | 2 Years | EPC A-C | 80% | 6.33% | £995 | 9.00% | 4.50% | 3%,2% |
Application fee = £150
**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 |
| Repossessions: | 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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper48 BTL Product Code: B50957 | 5 Years | EPC A-E | 70% | 5.04% | 5.00% | 5.04% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 BTL Product Code: B50954 | 5 Years | EPC A-E | 70% | 5.84% | £1,995 / £2,995 | 5.84% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 BTL Product Code: B50960 | 5 Years | EPC A-E | 70% | 5.94% | £995 | 5.94% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 BTL Product Code: B20321 | 2 Years | EPC A-E | 70% | 5.74% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper48 BTL Product Code: B20324 | 2 Years | EPC A-E | 70% | 5.98% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper48 BTL Product Code: B50958 | 5 Years | EPC A-D | 75% | 5.19% | 5.00% | 5.19% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 BTL Product Code: B50955 | 5 Years | EPC A-D | 75% | 5.99% | £1,995 / £2,995 | 5.99% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 BTL Product Code: B50961 | 5 Years | EPC A-D | 75% | 6.09% | £995 | 6.09% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 BTL Product Code: B20322 | 2 Years | EPC A-D | 75% | 5.89% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper48 BTL Product Code: B20325 | 2 Years | EPC A-D | 75% | 6.13% | £995 | 8.75% | 4.25% | 3%,2% |
| Pepper48 BTL Product Code: B50959 | 5 Years | EPC A-C | 80% | 5.44% | 5.00% | 5.44% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper48 BTL Product Code: B50956 | 5 Years | EPC A-C | 80% | 6.24% | £1,995 / £2,995 | 6.24% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper48 BTL Product Code: B50962 | 5 Years | EPC A-C | 80% | 6.34% | £995 | 6.34% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper48 BTL Product Code: B20323 | 2 Years | EPC A-C | 80% | 6.14% | 2.00% | 9.00% | 4.50% | 3%,2% |
| Pepper48 BTL Product Code: B20326 | 2 Years | EPC A-C | 80% | 6.38% | £995 | 9.00% | 4.50% | 3%,2% |
Application fee = £150
**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 |
| Repossessions: | 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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper36 Light BTL Product Code: B50966 | 5 Years | EPC A-E | 70% | 5.09% | 5.00% | 5.09% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 Light BTL Product Code: B50963 | 5 Years | EPC A-E | 70% | 5.89% | £1,995 / £2,995 | 5.89% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 Light BTL Product Code: B50969 | 5 Years | EPC A-E | 70% | 5.99% | £995 | 5.99% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 Light BTL Product Code: B20327 | 2 Years | EPC A-E | 70% | 5.79% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper36 Light BTL Product Code: B20330 | 2 Years | EPC A-E | 70% | 6.03% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper36 Light BTL Product Code: B50967 | 5 Years | EPC A-D | 75% | 5.24% | 5.00% | 5.24% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 Light BTL Product Code: B50964 | 5 Years | EPC A-D | 75% | 6.04% | £1,995 / £2,995 | 6.04% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 Light BTL Product Code: B50970 | 5 Years | EPC A-D | 75% | 6.14% | £995 | 6.14% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 Light BTL Product Code: B20328 | 2 Years | EPC A-D | 75% | 5.94% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper36 Light BTL Product Code: B20331 | 2 Years | EPC A-D | 75% | 6.18% | £995 | 8.75% | 4.25% | 3%,2% |
| Pepper36 Light BTL Product Code: B50968 | 5 Years | EPC A-C | 80% | 5.49% | 5.00% | 5.49% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper36 Light BTL Product Code: B50965 | 5 Years | EPC A-C | 80% | 6.29% | £1,995 / £2,995 | 6.29% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper36 Light BTL Product Code: B50971 | 5 Years | EPC A-C | 80% | 6.39% | £995 | 6.39% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper36 Light BTL Product Code: B20329 | 2 Years | EPC A-C | 80% | 6.19% | 2.00% | 9.00% | 4.50% | 3%,2% |
| Pepper36 Light BTL Product Code: B20332 | 2 Years | EPC A-C | 80% | 6.43% | £995 | 9.00% | 4.50% | 3%,2% |
Application fee = £150
**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 |
| Repossessions: | 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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper36 BTL Product Code: B50975 | 5 Years | EPC A-E | 70% | 5.14% | 5.00% | 5.14% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 BTL Product Code: B50972 | 5 Years | EPC A-E | 70% | 5.94% | £1,995 / £2,995 | 5.94% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 BTL Product Code: B50978 | 5 Years | EPC A-E | 70% | 6.04% | £995 | 6.04% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 BTL Product Code: B20333 | 2 Years | EPC A-E | 70% | 5.84% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper36 BTL Product Code: B20336 | 2 Years | EPC A-E | 70% | 6.08% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper36 BTL Product Code: B50976 | 5 Years | EPC A-D | 75% | 5.29% | 5.00% | 5.29% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 BTL Product Code: B50973 | 5 Years | EPC A-D | 75% | 6.09% | £1,995 / £2,995 | 6.09% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 BTL Product Code: B50979 | 5 Years | EPC A-D | 75% | 6.19% | £995 | 6.19% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 BTL Product Code: B20334 | 2 Years | EPC A-D | 75% | 5.99% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper36 BTL Product Code: B20337 | 2 Years | EPC A-D | 75% | 6.23% | £995 | 8.75% | 4.25% | 3%,2% |
| Pepper36 BTL Product Code: B50977 | 5 Years | EPC A-C | 80% | 5.54% | 5.00% | 5.54% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper36 BTL Product Code: B50974 | 5 Years | EPC A-C | 80% | 6.34% | £1,995 / £2,995 | 6.34% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper36 BTL Product Code: B50980 | 5 Years | EPC A-C | 80% | 6.44% | £995 | 6.44% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper36 BTL Product Code: B20335 | 2 Years | EPC A-C | 80% | 6.24% | 2.00% | 9.00% | 4.50% | 3%,2% |
| Pepper36 BTL Product Code: B20338 | 2 Years | EPC A-C | 80% | 6.48% | £995 | 9.00% | 4.50% | 3%,2% |
Application fee = £150
**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 |
| Repossessions: | 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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper24 Light BTL Product Code: B50983 | 5 Years | EPC A-E | 70% | 5.19% | 5.00% | 5.19% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 Light BTL Product Code: B50981 | 5 Years | EPC A-E | 70% | 5.99% | £1,995 / £2,995 | 5.99% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 Light BTL Product Code: B50985 | 5 Years | EPC A-E | 70% | 6.09% | £995 | 6.09% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 Light BTL Product Code: B20339 | 2 Years | EPC A-E | 70% | 5.89% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper24 Light BTL Product Code: B20341 | 2 Years | EPC A-E | 70% | 6.13% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper24 Light BTL Product Code: B50984 | 5 Years | EPC A-D | 75% | 5.34% | 5.00% | 5.34% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 Light BTL Product Code: B50982 | 5 Years | EPC A-D | 75% | 6.14% | £1,995 / £2,995 | 6.14% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 Light BTL Product Code: B50986 | 5 Years | EPC A-D | 75% | 6.24% | £995 | 6.24% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 Light BTL Product Code: B20340 | 2 Years | EPC A-D | 75% | 6.04% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper24 Light BTL Product Code: B20342 | 2 Years | EPC A-D | 75% | 6.28% | £995 | 8.75% | 4.25% | 3%,2% |
Application fee = £150
**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 |
| Repossessions: | 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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper24 BTL Product Code: B50989 | 5 Years | EPC A-E | 70% | 5.24% | 5.00% | 5.24% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 BTL Product Code: B50987 | 5 Years | EPC A-E | 70% | 6.04% | £1,995 / £2,995 | 6.04% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 BTL Product Code: B50991 | 5 Years | EPC A-E | 70% | 6.14% | £995 | 6.14% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 BTL Product Code: B20343 | 2 Years | EPC A-E | 70% | 5.94% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper24 BTL Product Code: B20345 | 2 Years | EPC A-E | 70% | 6.18% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper24 BTL Product Code: B50990 | 5 Years | EPC A-D | 75% | 5.39% | 5.00% | 5.39% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 BTL Product Code: B50988 | 5 Years | EPC A-D | 75% | 6.19% | £1,995 / £2,995 | 6.19% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 BTL Product Code: B50992 | 5 Years | EPC A-D | 75% | 6.29% | £995 | 6.29% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 BTL Product Code: B20344 | 2 Years | EPC A-D | 75% | 6.09% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper24 BTL Product Code: B20346 | 2 Years | EPC A-D | 75% | 6.33% | £995 | 8.75% | 4.25% | 3%,2% |
Application fee = £150
**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 |
| Repossessions: | 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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper18 Light BTL Product Code: B50993 | 5 Years | EPC A-E | 70% | 5.29% | 5.00% | 5.29% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 Light BTL Product Code: B50997 | 5 Years | EPC A-E | 70% | 6.09% | £1,995 / £2,995 | 6.09% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 Light BTL Product Code: B50995 | 5 Years | EPC A-E | 70% | 6.19% | £995 | 6.19% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 Light BTL Product Code: B20347 | 2 Years | EPC A-E | 70% | 5.99% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper18 Light BTL Product Code: B20349 | 2 Years | EPC A-E | 70% | 6.23% | £995 | 8.75% | 4.25% | 3%,2% |
| Pepper18 Light BTL Product Code: B50994 | 5 Years | EPC A-D | 75% | 5.44% | 5.00% | 5.44% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 Light BTL Product Code: B50998 | 5 Years | EPC A-D | 75% | 6.24% | £1,995 / £2,995 | 6.24% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 Light BTL Product Code: B50996 | 5 Years | EPC A-D | 75% | 6.34% | £995 | 6.34% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 Light BTL Product Code: B20348 | 2 Years | EPC A-D | 75% | 6.14% | 2.00% | 9.00% | 4.50% | 3%,2% |
| Pepper18 Light BTL Product Code: B20350 | 2 Years | EPC A-D | 75% | 6.38% | £995 | 9.00% | 4.50% | 3%,2% |
Application fee = £150
**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 |
| Repossessions: | 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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper18 BTL Product Code: B50999 | 5 Years | EPC A-E | 70% | 5.34% | 5.00% | 5.34% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 BTL Product Code: B51003 | 5 Years | EPC A-E | 70% | 6.14% | £1,995 / £2,995 | 6.14% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 BTL Product Code: B51001 | 5 Years | EPC A-E | 70% | 6.24% | £995 | 6.24% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 BTL Product Code: B20351 | 2 Years | EPC A-E | 70% | 6.04% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper18 BTL Product Code: B20353 | 2 Years | EPC A-E | 70% | 6.28% | £995 | 8.75% | 4.25% | 3%,2% |
| Pepper18 BTL Product Code: B51000 | 5 Years | EPC A-D | 75% | 5.49% | 5.00% | 5.49% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 BTL Product Code: B51004 | 5 Years | EPC A-D | 75% | 6.29% | £1,995 / £2,995 | 6.29% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 BTL Product Code: B51002 | 5 Years | EPC A-D | 75% | 6.39% | £995 | 6.39% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 BTL Product Code: B20352 | 2 Years | EPC A-D | 75% | 6.19% | 2.00% | 9.00% | 4.50% | 3%,2% |
| Pepper18 BTL Product Code: B20354 | 2 Years | EPC A-D | 75% | 6.43% | £995 | 9.00% | 4.50% | 3%,2% |
Application fee = £150
**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 |
| Repossessions: | 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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper12 Light BTL Product Code: B51005 | 5 Years | EPC A-E | 70% | 5.39% | 5.00% | 5.39% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 Light BTL Product Code: B51009 | 5 Years | EPC A-E | 70% | 6.19% | £1,995 / £2,995 | 6.19% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 Light BTL Product Code: B51007 | 5 Years | EPC A-E | 70% | 6.29% | £995 | 6.29% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 Light BTL Product Code: B20357 | 2 Years | EPC A-E | 70% | 6.09% | 2.00% | 9.05% | 4.55% | 3%,2% |
| Pepper12 Light BTL Product Code: B20355 | 2 Years | EPC A-E | 70% | 6.33% | £995 | 9.05% | 4.55% | 3%,2% |
| Pepper12 Light BTL Product Code: B51006 | 5 Years | EPC A-D | 75% | 5.54% | 5.00% | 5.54% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 Light BTL Product Code: B51010 | 5 Years | EPC A-D | 75% | 6.34% | £1,995 / £2,995 | 6.34% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 Light BTL Product Code: B51008 | 5 Years | EPC A-D | 75% | 6.44% | £995 | 6.44% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 Light BTL Product Code: B20358 | 2 Years | EPC A-D | 75% | 6.24% | 2.00% | 9.30% | 4.80% | 3%,2% |
| Pepper12 Light BTL Product Code: B20356 | 2 Years | EPC A-D | 75% | 6.48% | £995 | 9.30% | 4.80% | 3%,2% |
Application fee = £150
**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 |
| Repossessions: | 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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper12 BTL Product Code: B51011 | 5 Years | EPC A-E | 70% | 5.44% | 5.00% | 5.44% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 BTL Product Code: B51015 | 5 Years | EPC A-E | 70% | 6.24% | £1,995 / £2,995 | 6.24% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 BTL Product Code: B51013 | 5 Years | EPC A-E | 70% | 6.34% | £995 | 6.34% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 BTL Product Code: B20361 | 2 Years | EPC A-E | 70% | 6.14% | 2.00% | 9.05% | 4.55% | 3%,2% |
| Pepper12 BTL Product Code: B20359 | 2 Years | EPC A-E | 70% | 6.38% | £995 | 9.05% | 4.55% | 3%,2% |
| Pepper12 BTL Product Code: B51012 | 5 Years | EPC A-D | 75% | 5.59% | 5.00% | 5.59% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 BTL Product Code: B51016 | 5 Years | EPC A-D | 75% | 6.39% | £1,995 / £2,995 | 6.39% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 BTL Product Code: B51014 | 5 Years | EPC A-D | 75% | 6.49% | £995 | 6.49% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 BTL Product Code: B20362 | 2 Years | EPC A-D | 75% | 6.29% | 2.00% | 9.30% | 4.80% | 3%,2% |
| Pepper12 BTL Product Code: B20360 | 2 Years | EPC A-D | 75% | 6.53% | £995 | 9.30% | 4.80% | 3%,2% |
Application fee = £150
**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 |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Buy to Let HMO
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 | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper48 Light HMO Product Code: IH50005 | 5 Years | EPC A-C | 70% | 5.19% | 5.00% | 5.19% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 Light HMO Product Code: IH50003 | 5 Years | EPC A-C | 70% | 5.99% | £1,995 / £2,995 | 5.99% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 Light HMO Product Code: IH50001 | 5 Years | EPC A-C | 70% | 6.09% | £995 | 6.09% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 Light HMO Product Code: IH20003 | 2 Years | EPC A-C | 70% | 5.89% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper48 Light HMO Product Code: IH20001 | 2 Years | EPC A-C | 70% | 6.13% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper48 Light HMO Product Code: IH50006 | 5 Years | EPC A-C | 75% | 5.34% | 5.00% | 5.34% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 Light HMO Product Code: IH50004 | 5 Years | EPC A-C | 75% | 6.14% | £1,995 / £2,995 | 6.14% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 Light HMO Product Code: IH50002 | 5 Years | EPC A-C | 75% | 6.24% | £995 | 6.24% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 Light HMO Product Code: IH20004 | 2 Years | EPC A-C | 75% | 6.04% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper48 Light HMO Product Code: IH20002 | 2 Years | EPC A-C | 75% | 6.28% | £995 | 8.75% | 4.25% | 3%,2% |
Application fee = £150
**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 |
Pepper48 - Suitable for customers that haven’t had a CCJ or Default in the last 48 months
| Product | Term | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper48 HMO Product Code: IH50011 | 5 Years | EPC A-C | 70% | 5.24% | 5.00% | 5.24% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 HMO Product Code: IH50009 | 5 Years | EPC A-C | 70% | 6.04% | £1,995 / £2,995 | 6.04% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 HMO Product Code: IH50007 | 5 Years | EPC A-C | 70% | 6.14% | £995 | 6.14% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper48 HMO Product Code: IH20007 | 2 Years | EPC A-C | 70% | 5.94% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper48 HMO Product Code: IH20005 | 2 Years | EPC A-C | 70% | 6.18% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper48 HMO Product Code: IH50012 | 5 Years | EPC A-C | 75% | 5.39% | 5.00% | 5.39% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 HMO Product Code: IH50010 | 5 Years | EPC A-C | 75% | 6.19% | £1,995 / £2,995 | 6.19% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 HMO Product Code: IH50008 | 5 Years | EPC A-C | 75% | 6.29% | £995 | 6.29% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper48 HMO Product Code: IH20008 | 2 Years | EPC A-C | 75% | 6.09% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper48 HMO Product Code: IH20006 | 2 Years | EPC A-C | 75% | 6.33% | £995 | 8.75% | 4.25% | 3%,2% |
Application fee = £150
**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 Light - Suitable for customers that haven’t had a Default in the last 36 months and who have never had a CCJ
| Product | Term | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper36 Light HMO Product Code: IH50017 | 5 Years | EPC A-C | 70% | 5.29% | 5.00% | 5.29% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 Light HMO Product Code: IH50015 | 5 Years | EPC A-C | 70% | 6.09% | £1,995 / £2,995 | 6.09% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 Light HMO Product Code: IH50013 | 5 Years | EPC A-C | 70% | 6.19% | £995 | 6.19% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 Light HMO Product Code: IH20011 | 2 Years | EPC A-C | 70% | 5.99% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper36 Light HMO Product Code: IH20009 | 2 Years | EPC A-C | 70% | 6.23% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper36 Light HMO Product Code: IH50018 | 5 Years | EPC A-C | 75% | 5.44% | 5.00% | 5.44% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 Light HMO Product Code: IH50016 | 5 Years | EPC A-C | 75% | 6.24% | £1,995 / £2,995 | 6.24% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 Light HMO Product Code: IH50014 | 5 Years | EPC A-C | 75% | 6.34% | £995 | 6.34% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 Light HMO Product Code: IH20012 | 2 Years | EPC A-C | 75% | 6.14% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper36 Light HMO Product Code: IH20010 | 2 Years | EPC A-C | 75% | 6.38% | £995 | 8.75% | 4.25% | 3%,2% |
Application fee = £150
**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 |
Pepper36 - Suitable for customers that haven’t had a CCJ or Default in the last 36 months
| Product | Term | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper36 HMO Product Code: IH50023 | 5 Years | EPC A-C | 70% | 5.34% | 5.00% | 5.34% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 HMO Product Code: IH50021 | 5 Years | EPC A-C | 70% | 6.14% | £1,995 / £2,995 | 6.14% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 HMO Product Code: IH50019 | 5 Years | EPC A-C | 70% | 6.24% | £995 | 6.24% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper36 HMO Product Code: IH20015 | 2 Years | EPC A-C | 70% | 6.04% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper36 HMO Product Code: IH20013 | 2 Years | EPC A-C | 70% | 6.28% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper36 HMO Product Code: IH50024 | 5 Years | EPC A-C | 75% | 5.49% | 5.00% | 5.49% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 HMO Product Code: IH50022 | 5 Years | EPC A-C | 75% | 6.29% | £1,995 / £2,995 | 6.29% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 HMO Product Code: IH50020 | 5 Years | EPC A-C | 75% | 6.39% | £995 | 6.39% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper36 HMO Product Code: IH20016 | 2 Years | EPC A-C | 75% | 6.19% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper36 HMO Product Code: IH20014 | 2 Years | EPC A-C | 75% | 6.43% | £995 | 8.75% | 4.25% | 3%,2% |
Application fee = £150
**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 Light - Suitable for customers that haven’t had a Default in the last 24 months and who have never had a CCJ
| Product | Term | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper24 Light HMO Product Code: IH50029 | 5 Years | EPC A-C | 70% | 5.39% | 5.00% | 5.39% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 Light HMO Product Code: IH50027 | 5 Years | EPC A-C | 70% | 6.19% | £1,995 / £2,995 | 6.19% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 Light HMO Product Code: IH50025 | 5 Years | EPC A-C | 70% | 6.29% | £995 | 6.29% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 Light HMO Product Code: IH20019 | 2 Years | EPC A-C | 70% | 6.09% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper24 Light HMO Product Code: IH20017 | 2 Years | EPC A-C | 70% | 6.33% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper24 Light HMO Product Code: IH50030 | 5 Years | EPC A-C | 75% | 5.54% | 5.00% | 5.54% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 Light HMO Product Code: IH50028 | 5 Years | EPC A-C | 75% | 6.34% | £1,995 / £2,995 | 6.34% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 Light HMO Product Code: IH50026 | 5 Years | EPC A-C | 75% | 6.44% | £995 | 6.44% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 Light HMO Product Code: IH20020 | 2 Years | EPC A-C | 75% | 6.24% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper24 Light HMO Product Code: IH20018 | 2 Years | EPC A-C | 75% | 6.48% | £995 | 8.75% | 4.25% | 3%,2% |
Application fee = £150
**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 |
Pepper24 - Suitable for customers that haven’t had a CCJ or Default in the last 24 months
| Product | Term | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper24 HMO Product Code: IH50035 | 5 Years | EPC A-C | 70% | 5.44% | 5.00% | 5.44% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 HMO Product Code: IH50033 | 5 Years | EPC A-C | 70% | 6.24% | £1,995 / £2,995 | 6.24% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 HMO Product Code: IH50031 | 5 Years | EPC A-C | 70% | 6.34% | £995 | 6.34% | 4.00% | 4%,4%,3%,3%,2% |
| Pepper24 HMO Product Code: IH20023 | 2 Years | EPC A-C | 70% | 6.14% | 2.00% | 8.50% | 4.00% | 3%,2% |
| Pepper24 HMO Product Code: IH20021 | 2 Years | EPC A-C | 70% | 6.38% | £995 | 8.50% | 4.00% | 3%,2% |
| Pepper24 HMO Product Code: IH50036 | 5 Years | EPC A-C | 75% | 5.59% | 5.00% | 5.59% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 HMO Product Code: IH50034 | 5 Years | EPC A-C | 75% | 6.39% | £1,995 / £2,995 | 6.39% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 HMO Product Code: IH50032 | 5 Years | EPC A-C | 75% | 6.49% | £995 | 6.49% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper24 HMO Product Code: IH20024 | 2 Years | EPC A-C | 75% | 6.29% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper24 HMO Product Code: IH20022 | 2 Years | EPC A-C | 75% | 6.53% | £995 | 8.75% | 4.25% | 3%,2% |
Application fee = £150
**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 Light - Suitable for customers that haven’t had a Default in the last 18 months and who have never had a CCJ
| Product | Term | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper18 Light HMO Product Code: IH50041 | 5 Years | EPC A-C | 70% | 5.49% | 5.00% | 5.49% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 Light HMO Product Code: IH50039 | 5 Years | EPC A-C | 70% | 6.29% | £1,995 / £2,995 | 6.29% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 Light HMO Product Code: IH50037 | 5 Years | EPC A-C | 70% | 6.39% | £995 | 6.39% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 Light HMO Product Code: IH20027 | 2 Years | EPC A-C | 70% | 6.19% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper18 Light HMO Product Code: IH20025 | 2 Years | EPC A-C | 70% | 6.43% | £995 | 8.75% | 4.25% | 3%,2% |
| Pepper18 Light HMO Product Code: IH50042 | 5 Years | EPC A-C | 75% | 5.64% | 5.00% | 5.64% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 Light HMO Product Code: IH50040 | 5 Years | EPC A-C | 75% | 6.44% | £1,995 / £2,995 | 6.44% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 Light HMO Product Code: IH50038 | 5 Years | EPC A-C | 75% | 6.54% | £995 | 6.54% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 Light HMO Product Code: IH20028 | 2 Years | EPC A-C | 75% | 6.34% | 2.00% | 9.00% | 4.50% | 3%,2% |
| Pepper18 Light HMO Product Code: IH20026 | 2 Years | EPC A-C | 75% | 6.58% | £995 | 9.00% | 4.50% | 3%,2% |
Application fee = £150
**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 |
Pepper18 - Suitable for customers that haven’t had a CCJ or Default in the last 18 months
| Product | Term | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper18 HMO Product Code: IH50047 | 5 Years | EPC A-C | 70% | 5.54% | 5.00% | 5.54% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 HMO Product Code: IH50045 | 5 Years | EPC A-C | 70% | 6.34% | £1,995 / £2,995 | 6.34% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 HMO Product Code: IH50043 | 5 Years | EPC A-C | 70% | 6.44% | £995 | 6.44% | 4.25% | 4%,4%,3%,3%,2% |
| Pepper18 HMO Product Code: IH20031 | 2 Years | EPC A-C | 70% | 6.24% | 2.00% | 8.75% | 4.25% | 3%,2% |
| Pepper18 HMO Product Code: IH20029 | 2 Years | EPC A-C | 70% | 6.48% | £995 | 8.75% | 4.25% | 3%,2% |
| Pepper18 HMO Product Code: IH50048 | 5 Years | EPC A-C | 75% | 5.69% | 5.00% | 5.69% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 HMO Product Code: IH50046 | 5 Years | EPC A-C | 75% | 6.49% | £1,995 / £2,995 | 6.49% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 HMO Product Code: IH50044 | 5 Years | EPC A-C | 75% | 6.59% | £995 | 6.59% | 4.50% | 4%,4%,3%,3%,2% |
| Pepper18 HMO Product Code: IH20032 | 2 Years | EPC A-C | 75% | 6.39% | 2.00% | 9.00% | 4.50% | 3%,2% |
| Pepper18 HMO Product Code: IH20030 | 2 Years | EPC A-C | 75% | 6.63% | £995 | 9.00% | 4.50% | 3%,2% |
Application fee = £150
**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 Light - Suitable for customers that haven’t had a Default in the last 12 months and who have never had a CCJ
| Product | Term | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper12 Light HMO Product Code: IH50053 | 5 Years | EPC A-C | 70% | 5.59% | 5.00% | 5.59% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 Light HMO Product Code: IH50051 | 5 Years | EPC A-C | 70% | 6.39% | £1,995 / £2,995 | 6.39% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 Light HMO Product Code: IH50049 | 5 Years | EPC A-C | 70% | 6.49% | £995 | 6.49% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 Light HMO Product Code: IH20035 | 2 Years | EPC A-C | 70% | 6.29% | 2.00% | 9.05% | 4.55% | 3%,2% |
| Pepper12 Light HMO Product Code: IH20033 | 2 Years | EPC A-C | 70% | 6.53% | £995 | 9.05% | 4.55% | 3%,2% |
| Pepper12 Light HMO Product Code: IH50054 | 5 Years | EPC A-C | 75% | 5.74% | 5.00% | 5.74% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 Light HMO Product Code: IH50052 | 5 Years | EPC A-C | 75% | 6.54% | £1,995 / £2,995 | 6.54% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 Light HMO Product Code: IH50050 | 5 Years | EPC A-C | 75% | 6.64% | £995 | 6.64% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 Light HMO Product Code: IH20036 | 2 Years | EPC A-C | 75% | 6.44% | 2.00% | 9.30% | 4.80% | 3%,2% |
| Pepper12 Light HMO Product Code: IH20034 | 2 Years | EPC A-C | 75% | 6.68% | £995 | 9.30% | 4.80% | 3%,2% |
Application fee = £150
**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 |
Pepper12 - Suitable for customers that haven’t had a CCJ or Default in the last 12 months
| Product | Term | EPC Ratings Accepted | LTV | Initial Rate | Comp Fee | Rental Calc. | Reversion Rates (LMR+) | ERC |
|---|---|---|---|---|---|---|---|---|
| Pepper12 HMO Product Code: IH50059 | 5 Years | EPC A-C | 70% | 5.64% | 5.00% | 5.64% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 HMO Product Code: IH50057 | 5 Years | EPC A-C | 70% | 6.44% | £1,995 / £2,995 | 6.44% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 HMO Product Code: IH50055 | 5 Years | EPC A-C | 70% | 6.54% | £995 | 6.54% | 4.55% | 4%,4%,3%,3%,2% |
| Pepper12 HMO Product Code: IH20039 | 2 Years | EPC A-C | 70% | 6.34% | 2.00% | 9.05% | 4.55% | 3%,2% |
| Pepper12 HMO Product Code: IH20037 | 2 Years | EPC A-C | 70% | 6.58% | £995 | 9.05% | 4.55% | 3%,2% |
| Pepper12 HMO Product Code: IH50060 | 5 Years | EPC A-C | 75% | 5.79% | 5.00% | 5.79% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 HMO Product Code: IH50058 | 5 Years | EPC A-C | 75% | 6.59% | £1,995 / £2,995 | 6.59% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 HMO Product Code: IH50056 | 5 Years | EPC A-C | 75% | 6.69% | £995 | 6.69% | 4.80% | 4%,4%,3%,3%,2% |
| Pepper12 HMO Product Code: IH20040 | 2 Years | EPC A-C | 75% | 6.49% | 2.00% | 9.30% | 4.80% | 3%,2% |
| Pepper12 HMO Product Code: IH20038 | 2 Years | EPC A-C | 75% | 6.73% | £995 | 9.30% | 4.80% | 3%,2% |
Application fee = £150
**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
Key Criteria
Key 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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