Our Range

Buy to Let
Mortgage Products

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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

We’ve made finding the right product for your customer even easier. You can either view the product tables below or use our product finder to help narrow down your search.
View our Product finder

Buy to Let Mortgage Product Rates and Criteria

  • For Intermediary use only
  • May 2025
  • LMR = 5.05% (As of 15th May 2025)
  • For Intermediary use only
  • May 2025
  • LMR = 5.05% (As of 15th May 2025)

Buy to Let

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%
  • 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%
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper48 Light BTL

Product Code: B20318
  • 2 Years
  • EPC A-E
  • 70%
  • 5.93%
  • * £995
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper48 Light BTL

Product Code: B50949
  • 5 Years
  • EPC A-D
  • 75%
  • 5.14%
  • 5%
  • 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%
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper48 Light BTL

Product Code: B20319
  • 2 Years
  • EPC A-D
  • 75%
  • 6.08%
  • * £995
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper48 Light BTL

Product Code: B50950
  • 5 Years
  • EPC A-C
  • 80%
  • 5.39%
  • 5%
  • 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%
  • 9.55%
  • 4.50%
  • 3%,2%

Pepper48 Light BTL

Product Code: B20320
  • 2 Years
  • EPC A-C
  • 80%
  • 6.33%
  • * £995
  • 9.55%
  • 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

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%
  • 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%
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper48 BTL

Product Code: B20324
  • 2 Years
  • EPC A-E
  • 70%
  • 5.98%
  • * £995
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper48 BTL

Product Code: B50958
  • 5 Years
  • EPC A-D
  • 75%
  • 5.19%
  • 5%
  • 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%
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper48 BTL

Product Code: B20325
  • 2 Years
  • EPC A-D
  • 75%
  • 6.13%
  • * £995
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper48 BTL

Product Code: B50959
  • 5 Years
  • EPC A-C
  • 80%
  • 5.44%
  • 5%
  • 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%
  • 9.55%
  • 4.50%
  • 3%,2%

Pepper48 BTL

Product Code: B20326
  • 2 Years
  • EPC A-C
  • 80%
  • 6.38%
  • * £995
  • 9.55%
  • 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

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%
  • 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%
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper36 Light BTL

Product Code: B20330
  • 2 Years
  • EPC A-E
  • 70%
  • 6.03%
  • * £995
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper36 Light BTL

Product Code: B50967
  • 5 Years
  • EPC A-D
  • 75%
  • 5.24%
  • 5%
  • 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%
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper36 Light BTL

Product Code: B20331
  • 2 Years
  • EPC A-D
  • 75%
  • 6.18%
  • * £995
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper36 Light BTL

Product Code: B50968
  • 5 Years
  • EPC A-C
  • 80%
  • 5.49%
  • 5%
  • 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%
  • 9.55%
  • 4.50%
  • 3%,2%

Pepper36 Light BTL

Product Code: B20332
  • 2 Years
  • EPC A-C
  • 80%
  • 6.43%
  • * £995
  • 9.55%
  • 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

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%
  • 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%
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper36 BTL

Product Code: B20336
  • 2 Years
  • EPC A-E
  • 70%
  • 6.08%
  • * £995
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper36 BTL

Product Code: B50976
  • 5 Years
  • EPC A-D
  • 75%
  • 5.29%
  • 5%
  • 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%
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper36 BTL

Product Code: B20337
  • 2 Years
  • EPC A-D
  • 75%
  • 6.23%
  • * £995
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper36 BTL

Product Code: B50977
  • 5 Years
  • EPC A-C
  • 80%
  • 5.54%
  • 5%
  • 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%
  • 9.55%
  • 4.50%
  • 3%,2%

Pepper36 BTL

Product Code: B20338
  • 2 Years
  • EPC A-C
  • 80%
  • 6.48%
  • * £995
  • 9.55%
  • 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

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%
  • 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%
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper24 Light BTL

Product Code: B20341
  • 2 Years
  • EPC A-E
  • 70%
  • 6.13%
  • * £995
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper24 Light BTL

Product Code: B50984
  • 5 Years
  • EPC A-D
  • 75%
  • 5.34%
  • 5%
  • 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%
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper24 Light BTL

Product Code: B20342
  • 2 Years
  • EPC A-D
  • 75%
  • 6.28%
  • * £995
  • 9.3%
  • 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

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%
  • 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%
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper24 BTL

Product Code: B20345
  • 2 Years
  • EPC A-E
  • 70%
  • 6.18%
  • * £995
  • 9.05%
  • 4.00%
  • 3%,2%

Pepper24 BTL

Product Code: B50990
  • 5 Years
  • EPC A-D
  • 75%
  • 5.39%
  • 5%
  • 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%
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper24 BTL

Product Code: B20346
  • 2 Years
  • EPC A-D
  • 75%
  • 6.33%
  • * £995
  • 9.3%
  • 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

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%
  • 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%
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper18 Light BTL

Product Code: B20349
  • 2 Years
  • EPC A-E
  • 70%
  • 6.23%
  • * £995
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper18 Light BTL

Product Code: B50994
  • 5 Years
  • EPC A-D
  • 75%
  • 5.44%
  • 5%
  • 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%
  • 9.55%
  • 4.50%
  • 3%,2%

Pepper18 Light BTL

Product Code: B20350
  • 2 Years
  • EPC A-D
  • 75%
  • 6.38%
  • * £995
  • 9.55%
  • 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

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%
  • 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%
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper18 BTL

Product Code: B20353
  • 2 Years
  • EPC A-E
  • 70%
  • 6.28%
  • * £995
  • 9.3%
  • 4.25%
  • 3%,2%

Pepper18 BTL

Product Code: B51000
  • 5 Years
  • EPC A-D
  • 75%
  • 5.49%
  • 5%
  • 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%
  • 9.55%
  • 4.50%
  • 3%,2%

Pepper18 BTL

Product Code: B20354
  • 2 Years
  • EPC A-D
  • 75%
  • 6.43%
  • * £995
  • 9.55%
  • 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

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%
  • 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%
  • 9.6%
  • 4.55%
  • 3%,2%

Pepper12 Light BTL

Product Code: B20355
  • 2 Years
  • EPC A-E
  • 70%
  • 6.33%
  • * £995
  • 9.6%
  • 4.55%
  • 3%,2%

Pepper12 Light BTL

Product Code: B51006
  • 5 Years
  • EPC A-D
  • 75%
  • 5.54%
  • 5%
  • 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%
  • 9.85%
  • 4.80%
  • 3%,2%

Pepper12 Light BTL

Product Code: B20356
  • 2 Years
  • EPC A-D
  • 75%
  • 6.48%
  • * £995
  • 9.85%
  • 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

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%
  • 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%
  • 9.6%
  • 4.55%
  • 3%,2%

Pepper12 BTL

Product Code: B20359
  • 2 Years
  • EPC A-E
  • 70%
  • 6.38%
  • * £995
  • 9.6%
  • 4.55%
  • 3%,2%

Pepper12 BTL

Product Code: B51012
  • 5 Years
  • EPC A-D
  • 75%
  • 5.59%
  • 5%
  • 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%
  • 9.85%
  • 4.80%
  • 3%,2%

Pepper12 BTL

Product Code: B20360
  • 2 Years
  • EPC A-D
  • 75%
  • 6.53%
  • * £995
  • 9.85%
  • 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

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:
  • Up to £750,000 available to 80% LTV
  • Up to £1 million available to 75% LTV
  • Up to £1.5million available to 70% LTV
  • Up to £2 million available to 65% LTV
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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