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
- November 2025
- LMR = 4.50% (As of 15th September 2025)
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: B50948
Pepper48 Light BTL
Product Code: B50945
Pepper48 Light BTL
Product Code: B50951
Pepper48 Light BTL
Product Code: B20315
Pepper48 Light BTL
Product Code: B20318
Pepper48 Light BTL
Product Code: B50949
Pepper48 Light BTL
Product Code: B50946
Pepper48 Light BTL
Product Code: B50952
Pepper48 Light BTL
Product Code: B20316
Pepper48 Light BTL
Product Code: B20319
Pepper48 Light BTL
Product Code: B50950
Pepper48 Light BTL
Product Code: B50947
Pepper48 Light BTL
Product Code: B50953
Pepper48 Light BTL
Product Code: B20317
Pepper48 Light BTL
Product Code: B20320
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: | 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: B50957
Pepper48 BTL
Product Code: B50954
Pepper48 BTL
Product Code: B50960
Pepper48 BTL
Product Code: B20321
Pepper48 BTL
Product Code: B20324
Pepper48 BTL
Product Code: B50958
Pepper48 BTL
Product Code: B50955
Pepper48 BTL
Product Code: B50961
Pepper48 BTL
Product Code: B20322
Pepper48 BTL
Product Code: B20325
Pepper48 BTL
Product Code: B50959
Pepper48 BTL
Product Code: B50956
Pepper48 BTL
Product Code: B50962
Pepper48 BTL
Product Code: B20323
Pepper48 BTL
Product Code: B20326
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 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: B50966
Pepper36 Light BTL
Product Code: B50963
Pepper36 Light BTL
Product Code: B50969
Pepper36 Light BTL
Product Code: B20327
Pepper36 Light BTL
Product Code: B20330
Pepper36 Light BTL
Product Code: B50967
Pepper36 Light BTL
Product Code: B50964
Pepper36 Light BTL
Product Code: B50970
Pepper36 Light BTL
Product Code: B20328
Pepper36 Light BTL
Product Code: B20331
Pepper36 Light BTL
Product Code: B50968
Pepper36 Light BTL
Product Code: B50965
Pepper36 Light BTL
Product Code: B50971
Pepper36 Light BTL
Product Code: B20329
Pepper36 Light BTL
Product Code: B20332
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 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: B50975
Pepper36 BTL
Product Code: B50972
Pepper36 BTL
Product Code: B50978
Pepper36 BTL
Product Code: B20333
Pepper36 BTL
Product Code: B20336
Pepper36 BTL
Product Code: B50976
Pepper36 BTL
Product Code: B50973
Pepper36 BTL
Product Code: B50979
Pepper36 BTL
Product Code: B20334
Pepper36 BTL
Product Code: B20337
Pepper36 BTL
Product Code: B50977
Pepper36 BTL
Product Code: B50974
Pepper36 BTL
Product Code: B50980
Pepper36 BTL
Product Code: B20335
Pepper36 BTL
Product Code: B20338
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 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: B50983
Pepper24 Light BTL
Product Code: B50981
Pepper24 Light BTL
Product Code: B50985
Pepper24 Light BTL
Product Code: B20339
Pepper24 Light BTL
Product Code: B20341
Pepper24 Light BTL
Product Code: B50984
Pepper24 Light BTL
Product Code: B50982
Pepper24 Light BTL
Product Code: B50986
Pepper24 Light BTL
Product Code: B20340
Pepper24 Light BTL
Product Code: B20342
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: B50989
Pepper24 BTL
Product Code: B50987
Pepper24 BTL
Product Code: B50991
Pepper24 BTL
Product Code: B20343
Pepper24 BTL
Product Code: B20345
Pepper24 BTL
Product Code: B50990
Pepper24 BTL
Product Code: B50988
Pepper24 BTL
Product Code: B50992
Pepper24 BTL
Product Code: B20344
Pepper24 BTL
Product Code: B20346
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: B50993
Pepper18 Light BTL
Product Code: B50997
Pepper18 Light BTL
Product Code: B50995
Pepper18 Light BTL
Product Code: B20347
Pepper18 Light BTL
Product Code: B20349
Pepper18 Light BTL
Product Code: B50994
Pepper18 Light BTL
Product Code: B50998
Pepper18 Light BTL
Product Code: B50996
Pepper18 Light BTL
Product Code: B20348
Pepper18 Light BTL
Product Code: B20350
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: B50999
Pepper18 BTL
Product Code: B51003
Pepper18 BTL
Product Code: B51001
Pepper18 BTL
Product Code: B20351
Pepper18 BTL
Product Code: B20353
Pepper18 BTL
Product Code: B51000
Pepper18 BTL
Product Code: B51004
Pepper18 BTL
Product Code: B51002
Pepper18 BTL
Product Code: B20352
Pepper18 BTL
Product Code: B20354
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: B51005
Pepper12 Light BTL
Product Code: B51009
Pepper12 Light BTL
Product Code: B51007
Pepper12 Light BTL
Product Code: B20357
Pepper12 Light BTL
Product Code: B20355
Pepper12 Light BTL
Product Code: B51006
Pepper12 Light BTL
Product Code: B51010
Pepper12 Light BTL
Product Code: B51008
Pepper12 Light BTL
Product Code: B20358
Pepper12 Light BTL
Product Code: B20356
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: B51011
Pepper12 BTL
Product Code: B51015
Pepper12 BTL
Product Code: B51013
Pepper12 BTL
Product Code: B20361
Pepper12 BTL
Product Code: B20359
Pepper12 BTL
Product Code: B51012
Pepper12 BTL
Product Code: B51016
Pepper12 BTL
Product Code: B51014
Pepper12 BTL
Product Code: B20362
Pepper12 BTL
Product Code: B20360
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: IH50005
Pepper48 Light HMO
Product Code: IH50003
Pepper48 Light HMO
Product Code: IH50001
Pepper48 Light HMO
Product Code: IH20003
Pepper48 Light HMO
Product Code: IH20001
Pepper48 Light HMO
Product Code: IH50006
Pepper48 Light HMO
Product Code: IH50004
Pepper48 Light HMO
Product Code: IH50002
Pepper48 Light HMO
Product Code: IH20004
Pepper48 Light HMO
Product Code: IH20002
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: IH50011
Pepper48 HMO
Product Code: IH50009
Pepper48 HMO
Product Code: IH50007
Pepper48 HMO
Product Code: IH20007
Pepper48 HMO
Product Code: IH20005
Pepper48 HMO
Product Code: IH50012
Pepper48 HMO
Product Code: IH50010
Pepper48 HMO
Product Code: IH50008
Pepper48 HMO
Product Code: IH20008
Pepper48 HMO
Product Code: IH20006
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: IH50017
Pepper36 Light HMO
Product Code: IH50015
Pepper36 Light HMO
Product Code: IH50013
Pepper36 Light HMO
Product Code: IH20011
Pepper36 Light HMO
Product Code: IH20009
Pepper36 Light HMO
Product Code: IH50018
Pepper36 Light HMO
Product Code: IH50016
Pepper36 Light HMO
Product Code: IH50014
Pepper36 Light HMO
Product Code: IH20012
Pepper36 Light HMO
Product Code: IH20010
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: IH50023
Pepper36 HMO
Product Code: IH50021
Pepper36 HMO
Product Code: IH50019
Pepper36 HMO
Product Code: IH20015
Pepper36 HMO
Product Code: IH20013
Pepper36 HMO
Product Code: IH50024
Pepper36 HMO
Product Code: IH50022
Pepper36 HMO
Product Code: IH50020
Pepper36 HMO
Product Code: IH20016
Pepper36 HMO
Product Code: IH20014
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: IH50029
Pepper24 Light HMO
Product Code: IH50027
Pepper24 Light HMO
Product Code: IH50025
Pepper24 Light HMO
Product Code: IH20019
Pepper24 Light HMO
Product Code: IH20017
Pepper24 Light HMO
Product Code: IH50030
Pepper24 Light HMO
Product Code: IH50028
Pepper24 Light HMO
Product Code: IH50026
Pepper24 Light HMO
Product Code: IH20020
Pepper24 Light HMO
Product Code: IH20018
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: IH50035
Pepper24 HMO
Product Code: IH50033
Pepper24 HMO
Product Code: IH50031
Pepper24 HMO
Product Code: IH20023
Pepper24 HMO
Product Code: IH20021
Pepper24 HMO
Product Code: IH50036
Pepper24 HMO
Product Code: IH50034
Pepper24 HMO
Product Code: IH50032
Pepper24 HMO
Product Code: IH20024
Pepper24 HMO
Product Code: IH20022
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: IH50041
Pepper18 Light HMO
Product Code: IH50039
Pepper18 Light HMO
Product Code: IH50037
Pepper18 Light HMO
Product Code: IH20027
Pepper18 Light HMO
Product Code: IH20025
Pepper18 Light HMO
Product Code: IH50042
Pepper18 Light HMO
Product Code: IH50040
Pepper18 Light HMO
Product Code: IH50038
Pepper18 Light HMO
Product Code: IH20028
Pepper18 Light HMO
Product Code: IH20026
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: IH50047
Pepper18 HMO
Product Code: IH50045
Pepper18 HMO
Product Code: IH50043
Pepper18 HMO
Product Code: IH20031
Pepper18 HMO
Product Code: IH20029
Pepper18 HMO
Product Code: IH50048
Pepper18 HMO
Product Code: IH50046
Pepper18 HMO
Product Code: IH50044
Pepper18 HMO
Product Code: IH20032
Pepper18 HMO
Product Code: IH20030
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: IH50053
Pepper12 Light HMO
Product Code: IH50051
Pepper12 Light HMO
Product Code: IH50049
Pepper12 Light HMO
Product Code: IH20035
Pepper12 Light HMO
Product Code: IH20033
Pepper12 Light HMO
Product Code: IH50054
Pepper12 Light HMO
Product Code: IH50052
Pepper12 Light HMO
Product Code: IH50050
Pepper12 Light HMO
Product Code: IH20036
Pepper12 Light HMO
Product Code: IH20034
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: IH50059
Pepper12 HMO
Product Code: IH50057
Pepper12 HMO
Product Code: IH50055
Pepper12 HMO
Product Code: IH20039
Pepper12 HMO
Product Code: IH20037
Pepper12 HMO
Product Code: IH50060
Pepper12 HMO
Product Code: IH50058
Pepper12 HMO
Product Code: IH50056
Pepper12 HMO
Product Code: IH20040
Pepper12 HMO
Product Code: IH20038
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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