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
- January 2026
- 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: B51050
Pepper48 Light BTL
Product Code: B51052
Pepper48 Light BTL
Product Code: B51047
Pepper48 Light BTL
Product Code: B51055
Pepper48 Light BTL
Product Code: B20383
Pepper48 Light BTL
Product Code: B20386
Pepper48 Light BTL
Product Code: B20389
Pepper48 Light BTL
Product Code: B51051
Pepper48 Light BTL
Product Code: B51053
Pepper48 Light BTL
Product Code: B51048
Pepper48 Light BTL
Product Code: B51056
Pepper48 Light BTL
Product Code: B20384
Pepper48 Light BTL
Product Code: B20387
Pepper48 Light BTL
Product Code: B20390
Pepper48 Light BTL
Product Code: B51054
Pepper48 Light BTL
Product Code: B51049
Pepper48 Light BTL
Product Code: B51057
Pepper48 Light BTL
Product Code: B20385
Pepper48 Light BTL
Product Code: B20388
Pepper48 Light BTL
Product Code: B20391
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: B51061
Pepper48 BTL
Product Code: B51063
Pepper48 BTL
Product Code: B51058
Pepper48 BTL
Product Code: B51066
Pepper48 BTL
Product Code: B20392
Pepper48 BTL
Product Code: B20395
Pepper48 BTL
Product Code: B20398
Pepper48 BTL
Product Code: B51062
Pepper48 BTL
Product Code: B51064
Pepper48 BTL
Product Code: B51059
Pepper48 BTL
Product Code: B51067
Pepper48 BTL
Product Code: B20393
Pepper48 BTL
Product Code: B20396
Pepper48 BTL
Product Code: B20399
Pepper48 BTL
Product Code: B51065
Pepper48 BTL
Product Code: B51060
Pepper48 BTL
Product Code: B51068
Pepper48 BTL
Product Code: B20394
Pepper48 BTL
Product Code: B20397
Pepper48 BTL
Product Code: B20400
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: B51072
Pepper36 Light BTL
Product Code: B51074
Pepper36 Light BTL
Product Code: B51069
Pepper36 Light BTL
Product Code: B51077
Pepper36 Light BTL
Product Code: B20401
Pepper36 Light BTL
Product Code: B20404
Pepper36 Light BTL
Product Code: B20407
Pepper36 Light BTL
Product Code: B51073
Pepper36 Light BTL
Product Code: B51075
Pepper36 Light BTL
Product Code: B51070
Pepper36 Light BTL
Product Code: B51078
Pepper36 Light BTL
Product Code: B20402
Pepper36 Light BTL
Product Code: B20405
Pepper36 Light BTL
Product Code: B20408
Pepper36 Light BTL
Product Code: B51076
Pepper36 Light BTL
Product Code: B51071
Pepper36 Light BTL
Product Code: B51079
Pepper36 Light BTL
Product Code: B20403
Pepper36 Light BTL
Product Code: B20406
Pepper36 Light BTL
Product Code: B20409
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: B51083
Pepper36 BTL
Product Code: B51085
Pepper36 BTL
Product Code: B51080
Pepper36 BTL
Product Code: B51088
Pepper36 BTL
Product Code: B20410
Pepper36 BTL
Product Code: B20413
Pepper36 BTL
Product Code: B20416
Pepper36 BTL
Product Code: B51084
Pepper36 BTL
Product Code: B51086
Pepper36 BTL
Product Code: B51081
Pepper36 BTL
Product Code: B51089
Pepper36 BTL
Product Code: B20411
Pepper36 BTL
Product Code: B20414
Pepper36 BTL
Product Code: B20417
Pepper36 BTL
Product Code: B51087
Pepper36 BTL
Product Code: B51082
Pepper36 BTL
Product Code: B51090
Pepper36 BTL
Product Code: B20412
Pepper36 BTL
Product Code: B20415
Pepper36 BTL
Product Code: B20418
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: B51093
Pepper24 Light BTL
Product Code: B51095
Pepper24 Light BTL
Product Code: B51091
Pepper24 Light BTL
Product Code: B51097
Pepper24 Light BTL
Product Code: B20419
Pepper24 Light BTL
Product Code: B20421
Pepper24 Light BTL
Product Code: B20423
Pepper24 Light BTL
Product Code: B51094
Pepper24 Light BTL
Product Code: B51096
Pepper24 Light BTL
Product Code: B51092
Pepper24 Light BTL
Product Code: B51098
Pepper24 Light BTL
Product Code: B20420
Pepper24 Light BTL
Product Code: B20422
Pepper24 Light BTL
Product Code: B20424
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: B51101
Pepper24 BTL
Product Code: B51103
Pepper24 BTL
Product Code: B51099
Pepper24 BTL
Product Code: B51105
Pepper24 BTL
Product Code: B20425
Pepper24 BTL
Product Code: B20427
Pepper24 BTL
Product Code: B20429
Pepper24 BTL
Product Code: B51102
Pepper24 BTL
Product Code: B51104
Pepper24 BTL
Product Code: B51100
Pepper24 BTL
Product Code: B51106
Pepper24 BTL
Product Code: B20426
Pepper24 BTL
Product Code: B20428
Pepper24 BTL
Product Code: B20430
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: B51107
Pepper18 Light BTL
Product Code: B51109
Pepper18 Light BTL
Product Code: B51113
Pepper18 Light BTL
Product Code: B51111
Pepper18 Light BTL
Product Code: B20431
Pepper18 Light BTL
Product Code: B20433
Pepper18 Light BTL
Product Code: B20435
Pepper18 Light BTL
Product Code: B51108
Pepper18 Light BTL
Product Code: B51110
Pepper18 Light BTL
Product Code: B51114
Pepper18 Light BTL
Product Code: B51112
Pepper18 Light BTL
Product Code: B20432
Pepper18 Light BTL
Product Code: B20434
Pepper18 Light BTL
Product Code: B20436
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: B51115
Pepper18 BTL
Product Code: B51117
Pepper18 BTL
Product Code: B51121
Pepper18 BTL
Product Code: B51119
Pepper18 BTL
Product Code: B20437
Pepper18 BTL
Product Code: B20439
Pepper18 BTL
Product Code: B20441
Pepper18 BTL
Product Code: B51116
Pepper18 BTL
Product Code: B51118
Pepper18 BTL
Product Code: B51122
Pepper18 BTL
Product Code: B51120
Pepper18 BTL
Product Code: B20438
Pepper18 BTL
Product Code: B20440
Pepper18 BTL
Product Code: B20442
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: B51123
Pepper12 Light BTL
Product Code: B51125
Pepper12 Light BTL
Product Code: B51129
Pepper12 Light BTL
Product Code: B51127
Pepper12 Light BTL
Product Code: B20445
Pepper12 Light BTL
Product Code: B20447
Pepper12 Light BTL
Product Code: B20443
Pepper12 Light BTL
Product Code: B51124
Pepper12 Light BTL
Product Code: B51126
Pepper12 Light BTL
Product Code: B51130
Pepper12 Light BTL
Product Code: B51128
Pepper12 Light BTL
Product Code: B20446
Pepper12 Light BTL
Product Code: B20448
Pepper12 Light BTL
Product Code: B20444
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: B51131
Pepper12 BTL
Product Code: B51133
Pepper12 BTL
Product Code: B51137
Pepper12 BTL
Product Code: B51135
Pepper12 BTL
Product Code: B20451
Pepper12 BTL
Product Code: B20453
Pepper12 BTL
Product Code: B20449
Pepper12 BTL
Product Code: B51132
Pepper12 BTL
Product Code: B51134
Pepper12 BTL
Product Code: B51138
Pepper12 BTL
Product Code: B51136
Pepper12 BTL
Product Code: B20452
Pepper12 BTL
Product Code: B20454
Pepper12 BTL
Product Code: B20450
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: IH50065
Pepper48 Light HMO
Product Code: IH50066
Pepper48 Light HMO
Product Code: IH50063
Pepper48 Light HMO
Product Code: IH50061
Pepper48 Light HMO
Product Code: IH20043
Pepper48 Light HMO
Product Code: IH20045
Pepper48 Light HMO
Product Code: IH20041
Pepper48 Light HMO
Product Code: IH50067
Pepper48 Light HMO
Product Code: IH50064
Pepper48 Light HMO
Product Code: IH50062
Pepper48 Light HMO
Product Code: IH20044
Pepper48 Light HMO
Product Code: IH20046
Pepper48 Light HMO
Product Code: IH20042
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: IH50072
Pepper48 HMO
Product Code: IH50073
Pepper48 HMO
Product Code: IH50070
Pepper48 HMO
Product Code: IH50068
Pepper48 HMO
Product Code: IH20049
Pepper48 HMO
Product Code: IH20051
Pepper48 HMO
Product Code: IH20047
Pepper48 HMO
Product Code: IH50074
Pepper48 HMO
Product Code: IH50071
Pepper48 HMO
Product Code: IH50069
Pepper48 HMO
Product Code: IH20050
Pepper48 HMO
Product Code: IH20052
Pepper48 HMO
Product Code: IH20048
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: IH50079
Pepper36 Light HMO
Product Code: IH50080
Pepper36 Light HMO
Product Code: IH50077
Pepper36 Light HMO
Product Code: IH50075
Pepper36 Light HMO
Product Code: IH20055
Pepper36 Light HMO
Product Code: IH20057
Pepper36 Light HMO
Product Code: IH20053
Pepper36 Light HMO
Product Code: IH50081
Pepper36 Light HMO
Product Code: IH50078
Pepper36 Light HMO
Product Code: IH50076
Pepper36 Light HMO
Product Code: IH20056
Pepper36 Light HMO
Product Code: IH20058
Pepper36 Light HMO
Product Code: IH20054
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: IH50086
Pepper36 HMO
Product Code: IH50087
Pepper36 HMO
Product Code: IH50084
Pepper36 HMO
Product Code: IH50082
Pepper36 HMO
Product Code: IH20061
Pepper36 HMO
Product Code: IH20063
Pepper36 HMO
Product Code: IH20059
Pepper36 HMO
Product Code: IH50088
Pepper36 HMO
Product Code: IH50085
Pepper36 HMO
Product Code: IH50083
Pepper36 HMO
Product Code: IH20062
Pepper36 HMO
Product Code: IH20064
Pepper36 HMO
Product Code: IH20060
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: IH50093
Pepper24 Light HMO
Product Code: IH50094
Pepper24 Light HMO
Product Code: IH50091
Pepper24 Light HMO
Product Code: IH50089
Pepper24 Light HMO
Product Code: IH20067
Pepper24 Light HMO
Product Code: IH20069
Pepper24 Light HMO
Product Code: IH20065
Pepper24 Light HMO
Product Code: IH50095
Pepper24 Light HMO
Product Code: IH50092
Pepper24 Light HMO
Product Code: IH50090
Pepper24 Light HMO
Product Code: IH20068
Pepper24 Light HMO
Product Code: IH20070
Pepper24 Light HMO
Product Code: IH20066
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: IH50100
Pepper24 HMO
Product Code: IH50101
Pepper24 HMO
Product Code: IH50098
Pepper24 HMO
Product Code: IH50096
Pepper24 HMO
Product Code: IH20073
Pepper24 HMO
Product Code: IH20075
Pepper24 HMO
Product Code: IH20071
Pepper24 HMO
Product Code: IH50102
Pepper24 HMO
Product Code: IH50099
Pepper24 HMO
Product Code: IH50097
Pepper24 HMO
Product Code: IH20074
Pepper24 HMO
Product Code: IH20076
Pepper24 HMO
Product Code: IH20072
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: IH50107
Pepper18 Light HMO
Product Code: IH50108
Pepper18 Light HMO
Product Code: IH50105
Pepper18 Light HMO
Product Code: IH50103
Pepper18 Light HMO
Product Code: IH20079
Pepper18 Light HMO
Product Code: IH20081
Pepper18 Light HMO
Product Code: IH20077
Pepper18 Light HMO
Product Code: IH50109
Pepper18 Light HMO
Product Code: IH50106
Pepper18 Light HMO
Product Code: IH50104
Pepper18 Light HMO
Product Code: IH20080
Pepper18 Light HMO
Product Code: IH20082
Pepper18 Light HMO
Product Code: IH20078
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: IH50114
Pepper18 HMO
Product Code: IH50115
Pepper18 HMO
Product Code: IH50112
Pepper18 HMO
Product Code: IH50110
Pepper18 HMO
Product Code: IH20085
Pepper18 HMO
Product Code: IH20087
Pepper18 HMO
Product Code: IH20083
Pepper18 HMO
Product Code: IH50116
Pepper18 HMO
Product Code: IH50113
Pepper18 HMO
Product Code: IH50111
Pepper18 HMO
Product Code: IH20086
Pepper18 HMO
Product Code: IH20088
Pepper18 HMO
Product Code: IH20084
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: IH50121
Pepper12 Light HMO
Product Code: IH50122
Pepper12 Light HMO
Product Code: IH50119
Pepper12 Light HMO
Product Code: IH50117
Pepper12 Light HMO
Product Code: IH20091
Pepper12 Light HMO
Product Code: IH20093
Pepper12 Light HMO
Product Code: IH20089
Pepper12 Light HMO
Product Code: IH50123
Pepper12 Light HMO
Product Code: IH50120
Pepper12 Light HMO
Product Code: IH50118
Pepper12 Light HMO
Product Code: IH20092
Pepper12 Light HMO
Product Code: IH20094
Pepper12 Light HMO
Product Code: IH20090
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: IH50128
Pepper12 HMO
Product Code: IH50129
Pepper12 HMO
Product Code: IH50126
Pepper12 HMO
Product Code: IH50124
Pepper12 HMO
Product Code: IH20097
Pepper12 HMO
Product Code: IH20099
Pepper12 HMO
Product Code: IH20095
Pepper12 HMO
Product Code: IH50130
Pepper12 HMO
Product Code: IH50127
Pepper12 HMO
Product Code: IH50125
Pepper12 HMO
Product Code: IH20098
Pepper12 HMO
Product Code: IH20100
Pepper12 HMO
Product Code: IH20096
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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