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
- May 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: B5038926051
Pepper48 Light BTL
Product Code: B5038626051
Pepper48 Light BTL
Free Valuation
Product Code: B5038326051
Pepper48 Light BTL
Product Code: B2038026051
Pepper48 Light BTL
Product Code: B2037726051
Pepper48 Light BTL
Free Valuation
Product Code: B2037426051
Pepper48 Light BTL
Product Code: B5039026051
Pepper48 Light BTL
Product Code: B5038726051
Pepper48 Light BTL
Free Valuation
Product Code: B5038426051
Pepper48 Light BTL
Product Code: B2038126051
Pepper48 Light BTL
Product Code: B2037826051
Pepper48 Light BTL
Free Valuation
Product Code: B2037526051
Pepper48 Light BTL
Product Code: B5038826051
Pepper48 Light BTL
Free Valuation
Product Code: B5038526051
Pepper48 Light BTL
Product Code: B2038226051
Pepper48 Light BTL
Product Code: B2037926051
Pepper48 Light BTL
Free Valuation
Product Code: B2037626051
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: B5040626051
Pepper48 BTL
Product Code: B5040326051
Pepper48 BTL
Free Valuation
Product Code: B5040026051
Pepper48 BTL
Product Code: B2039726051
Pepper48 BTL
Product Code: B2039426051
Pepper48 BTL
Free Valuation
Product Code: B2039126051
Pepper48 BTL
Product Code: B5040726051
Pepper48 BTL
Product Code: B5040426051
Pepper48 BTL
Free Valuation
Product Code: B5040126051
Pepper48 BTL
Product Code: B2039826051
Pepper48 BTL
Product Code: B2039526051
Pepper48 BTL
Free Valuation
Product Code: B2039226051
Pepper48 BTL
Product Code: B5040526051
Pepper48 BTL
Free Valuation
Product Code: B5040226051
Pepper48 BTL
Product Code: B2039926051
Pepper48 BTL
Product Code: B2039626051
Pepper48 BTL
Free Valuation
Product Code: B2039326051
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: B5042326051
Pepper36 Light BTL
Product Code: B5042026051
Pepper36 Light BTL
Free Valuation
Product Code: B5041726051
Pepper36 Light BTL
Product Code: B2041426051
Pepper36 Light BTL
Product Code: B2041126051
Pepper36 Light BTL
Free Valuation
Product Code: B2040826051
Pepper36 Light BTL
Product Code: B5042426051
Pepper36 Light BTL
Product Code: B5042126051
Pepper36 Light BTL
Free Valuation
Product Code: B5041826051
Pepper36 Light BTL
Product Code: B2041526051
Pepper36 Light BTL
Product Code: B2041226051
Pepper36 Light BTL
Free Valuation
Product Code: B2040926051
Pepper36 Light BTL
Product Code: B5042226051
Pepper36 Light BTL
Free Valuation
Product Code: B5041926051
Pepper36 Light BTL
Product Code: B2041626051
Pepper36 Light BTL
Product Code: B2041326051
Pepper36 Light BTL
Free Valuation
Product Code: B2041026051
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: B5044026051
Pepper36 BTL
Product Code: B5043726051
Pepper36 BTL
Free Valuation
Product Code: B5043426051
Pepper36 BTL
Product Code: B2043126051
Pepper36 BTL
Product Code: B2042826051
Pepper36 BTL
Free Valuation
Product Code: B2042526051
Pepper36 BTL
Product Code: B5044126051
Pepper36 BTL
Product Code: B5043826051
Pepper36 BTL
Free Valuation
Product Code: B5043526051
Pepper36 BTL
Product Code: B2043226051
Pepper36 BTL
Product Code: B2042926051
Pepper36 BTL
Free Valuation
Product Code: B2042626051
Pepper36 BTL
Product Code: B5043926051
Pepper36 BTL
Free Valuation
Product Code: B5043626051
Pepper36 BTL
Product Code: B2043326051
Pepper36 BTL
Product Code: B2043026051
Pepper36 BTL
Free Valuation
Product Code: B2042726051
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: B5045226051
Pepper24 Light BTL
Product Code: B5045026051
Pepper24 Light BTL
Product Code: B5044826051
Pepper24 Light BTL
Product Code: B2044626051
Pepper24 Light BTL
Product Code: B2044426051
Pepper24 Light BTL
Product Code: B2044226051
Pepper24 Light BTL
Product Code: B5045326051
Pepper24 Light BTL
Product Code: B5045126051
Pepper24 Light BTL
Product Code: B5044926051
Pepper24 Light BTL
Product Code: B2044726051
Pepper24 Light BTL
Product Code: B2044526051
Pepper24 Light BTL
Product Code: B2044326051
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: B5046426051
Pepper24 BTL
Product Code: B5046226051
Pepper24 BTL
Product Code: B5046026051
Pepper24 BTL
Product Code: B2045826051
Pepper24 BTL
Product Code: B2045626051
Pepper24 BTL
Product Code: B2045426051
Pepper24 BTL
Product Code: B5046526051
Pepper24 BTL
Product Code: B5046326051
Pepper24 BTL
Product Code: B5046126051
Pepper24 BTL
Product Code: B2045926051
Pepper24 BTL
Product Code: B2045726051
Pepper24 BTL
Product Code: B2045526051
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: B5047626051
Pepper18 Light BTL
Product Code: B5047426051
Pepper18 Light BTL
Product Code: B5047226051
Pepper18 Light BTL
Product Code: B2047026051
Pepper18 Light BTL
Product Code: B2046826051
Pepper18 Light BTL
Product Code: B2046626051
Pepper18 Light BTL
Product Code: B5047726051
Pepper18 Light BTL
Product Code: B5047526051
Pepper18 Light BTL
Product Code: B5047326051
Pepper18 Light BTL
Product Code: B2047126051
Pepper18 Light BTL
Product Code: B2046926051
Pepper18 Light BTL
Product Code: B2046726051
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: B5048826051
Pepper18 BTL
Product Code: B5048626051
Pepper18 BTL
Product Code: B5048426051
Pepper18 BTL
Product Code: B2048226051
Pepper18 BTL
Product Code: B2048026051
Pepper18 BTL
Product Code: B2047826051
Pepper18 BTL
Product Code: B5048926051
Pepper18 BTL
Product Code: B5048726051
Pepper18 BTL
Product Code: B5048526051
Pepper18 BTL
Product Code: B2048326051
Pepper18 BTL
Product Code: B2048126051
Pepper18 BTL
Product Code: B2047926051
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: B5050026051
Pepper12 Light BTL
Product Code: B5049826051
Pepper12 Light BTL
Product Code: B5049626051
Pepper12 Light BTL
Product Code: B2049426051
Pepper12 Light BTL
Product Code: B2049226051
Pepper12 Light BTL
Product Code: B2049026051
Pepper12 Light BTL
Product Code: B5050126051
Pepper12 Light BTL
Product Code: B5049926051
Pepper12 Light BTL
Product Code: B5049726051
Pepper12 Light BTL
Product Code: B2049526051
Pepper12 Light BTL
Product Code: B2049326051
Pepper12 Light BTL
Product Code: B2049126051
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: B5051226051
Pepper12 BTL
Product Code: B5051026051
Pepper12 BTL
Product Code: B5050826051
Pepper12 BTL
Product Code: B2050626051
Pepper12 BTL
Product Code: B2050426051
Pepper12 BTL
Product Code: B2050226051
Pepper12 BTL
Product Code: B5051326051
Pepper12 BTL
Product Code: B5051126051
Pepper12 BTL
Product Code: B5050926051
Pepper12 BTL
Product Code: B2050726051
Pepper12 BTL
Product Code: B2050526051
Pepper12 BTL
Product Code: B2050326051
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: LH5078026051
Pepper48 Light HMO
Product Code: LH5077826051
Pepper48 Light HMO
Product Code: LH5077626051
Pepper48 Light HMO
Product Code: LH2077426051
Pepper48 Light HMO
Product Code: LH2077226051
Pepper48 Light HMO
Product Code: LH2077026051
Pepper48 Light HMO
Product Code: LH5077926051
Pepper48 Light HMO
Product Code: LH5077726051
Pepper48 Light HMO
Product Code: LH2077526051
Pepper48 Light HMO
Product Code: LH2077326051
Pepper48 Light HMO
Product Code: LH2077126051
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: LH5079126051
Pepper48 HMO
Product Code: LH5078926051
Pepper48 HMO
Product Code: LH5078726051
Pepper48 HMO
Product Code: LH2078526051
Pepper48 HMO
Product Code: LH2078326051
Pepper48 HMO
Product Code: LH2078126051
Pepper48 HMO
Product Code: LH5079026051
Pepper48 HMO
Product Code: LH5078826051
Pepper48 HMO
Product Code: LH2078626051
Pepper48 HMO
Product Code: LH2078426051
Pepper48 HMO
Product Code: LH2078226051
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: LH5080226051
Pepper36 Light HMO
Product Code: LH5080026051
Pepper36 Light HMO
Product Code: LH5079826051
Pepper36 Light HMO
Product Code: LH2079626051
Pepper36 Light HMO
Product Code: LH2079426051
Pepper36 Light HMO
Product Code: LH2079226051
Pepper36 Light HMO
Product Code: LH5080126051
Pepper36 Light HMO
Product Code: LH5079926051
Pepper36 Light HMO
Product Code: LH2079726051
Pepper36 Light HMO
Product Code: LH2079526051
Pepper36 Light HMO
Product Code: LH2079326051
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: LH5081326051
Pepper36 HMO
Product Code: LH5081126051
Pepper36 HMO
Product Code: LH5080926051
Pepper36 HMO
Product Code: LH2080726051
Pepper36 HMO
Product Code: LH2080526051
Pepper36 HMO
Product Code: LH2080326051
Pepper36 HMO
Product Code: LH5081226051
Pepper36 HMO
Product Code: LH5081026051
Pepper36 HMO
Product Code: LH2080826051
Pepper36 HMO
Product Code: LH2080626051
Pepper36 HMO
Product Code: LH2080426051
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: LH5082426051
Pepper24 Light HMO
Product Code: LH5082226051
Pepper24 Light HMO
Product Code: LH5082026051
Pepper24 Light HMO
Product Code: LH2081826051
Pepper24 Light HMO
Product Code: LH2081626051
Pepper24 Light HMO
Product Code: LH2081426051
Pepper24 Light HMO
Product Code: LH5082326051
Pepper24 Light HMO
Product Code: LH5082126051
Pepper24 Light HMO
Product Code: LH2081926051
Pepper24 Light HMO
Product Code: LH2081726051
Pepper24 Light HMO
Product Code: LH2081526051
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: LH5083526051
Pepper24 HMO
Product Code: LH5083326051
Pepper24 HMO
Product Code: LH5083126051
Pepper24 HMO
Product Code: LH2082926051
Pepper24 HMO
Product Code: LH2082726051
Pepper24 HMO
Product Code: LH2082526051
Pepper24 HMO
Product Code: LH5083426051
Pepper24 HMO
Product Code: LH5083226051
Pepper24 HMO
Product Code: LH2083026051
Pepper24 HMO
Product Code: LH2082826051
Pepper24 HMO
Product Code: LH2082626051
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: LH5084626051
Pepper18 Light HMO
Product Code: LH5084426051
Pepper18 Light HMO
Product Code: LH5084226051
Pepper18 Light HMO
Product Code: LH2084026051
Pepper18 Light HMO
Product Code: LH2083826051
Pepper18 Light HMO
Product Code: LH2083626051
Pepper18 Light HMO
Product Code: LH5084526051
Pepper18 Light HMO
Product Code: LH5084326051
Pepper18 Light HMO
Product Code: LH2084126051
Pepper18 Light HMO
Product Code: LH2083926051
Pepper18 Light HMO
Product Code: LH2083726051
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: LH5085726051
Pepper18 HMO
Product Code: LH5085526051
Pepper18 HMO
Product Code: LH5085326051
Pepper18 HMO
Product Code: LH2085126051
Pepper18 HMO
Product Code: LH2084926051
Pepper18 HMO
Product Code: LH2084726051
Pepper18 HMO
Product Code: LH5085626051
Pepper18 HMO
Product Code: LH5085426051
Pepper18 HMO
Product Code: LH2085226051
Pepper18 HMO
Product Code: LH2085026051
Pepper18 HMO
Product Code: LH2084826051
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: LH5086826051
Pepper12 Light HMO
Product Code: LH5086626051
Pepper12 Light HMO
Product Code: LH5086426051
Pepper12 Light HMO
Product Code: LH2086226051
Pepper12 Light HMO
Product Code: LH2086026051
Pepper12 Light HMO
Product Code: LH2085826051
Pepper12 Light HMO
Product Code: LH5086726051
Pepper12 Light HMO
Product Code: LH5086526051
Pepper12 Light HMO
Product Code: LH2086326051
Pepper12 Light HMO
Product Code: LH2086126051
Pepper12 Light HMO
Product Code: LH2085926051
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: LH5087926051
Pepper12 HMO
Product Code: LH5087726051
Pepper12 HMO
Product Code: LH5087526051
Pepper12 HMO
Product Code: LH2087326051
Pepper12 HMO
Product Code: LH2087126051
Pepper12 HMO
Product Code: LH2086926051
Pepper12 HMO
Product Code: LH5087826051
Pepper12 HMO
Product Code: LH5087626051
Pepper12 HMO
Product Code: LH2087426051
Pepper12 HMO
Product Code: LH2087226051
Pepper12 HMO
Product Code: LH2087026051
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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