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
- June 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: B5038926062
Pepper48 Light BTL
Product Code: B5038626062
Pepper48 Light BTL
Free Valuation
Product Code: B5038326062
Pepper48 Light BTL
Product Code: B2038026062
Pepper48 Light BTL
Product Code: B2037726062
Pepper48 Light BTL
Free Valuation
Product Code: B2037426062
Pepper48 Light BTL
Product Code: B5039026062
Pepper48 Light BTL
Product Code: B5038726062
Pepper48 Light BTL
Free Valuation
Product Code: B5038426062
Pepper48 Light BTL
Product Code: B2038126062
Pepper48 Light BTL
Product Code: B2037826062
Pepper48 Light BTL
Free Valuation
Product Code: B2037526062
Pepper48 Light BTL
Product Code: B5038826062
Pepper48 Light BTL
Free Valuation
Product Code: B5038526062
Pepper48 Light BTL
Product Code: B2038226062
Pepper48 Light BTL
Product Code: B2037926062
Pepper48 Light BTL
Free Valuation
Product Code: B2037626062
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.
Cashback All 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: B5040626062
Pepper48 BTL
Product Code: B5040326062
Pepper48 BTL
Free Valuation
Product Code: B5040026062
Pepper48 BTL
Product Code: B2039726062
Pepper48 BTL
Product Code: B2039426062
Pepper48 BTL
Free Valuation
Product Code: B2039126062
Pepper48 BTL
Product Code: B5040726062
Pepper48 BTL
Product Code: B5040426062
Pepper48 BTL
Free Valuation
Product Code: B5040126062
Pepper48 BTL
Product Code: B2039826062
Pepper48 BTL
Product Code: B2039526062
Pepper48 BTL
Free Valuation
Product Code: B2039226062
Pepper48 BTL
Product Code: B5040526062
Pepper48 BTL
Free Valuation
Product Code: B5040226062
Pepper48 BTL
Product Code: B2039926062
Pepper48 BTL
Product Code: B2039626062
Pepper48 BTL
Free Valuation
Product Code: B2039326062
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.
Cashback All 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: B5042326062
Pepper36 Light BTL
Product Code: B5042026062
Pepper36 Light BTL
Free Valuation
Product Code: B5041726062
Pepper36 Light BTL
Product Code: B2041426062
Pepper36 Light BTL
Product Code: B2041126062
Pepper36 Light BTL
Free Valuation
Product Code: B2040826062
Pepper36 Light BTL
Product Code: B5042426062
Pepper36 Light BTL
Product Code: B5042126062
Pepper36 Light BTL
Free Valuation
Product Code: B5041826062
Pepper36 Light BTL
Product Code: B2041526062
Pepper36 Light BTL
Product Code: B2041226062
Pepper36 Light BTL
Free Valuation
Product Code: B2040926062
Pepper36 Light BTL
Product Code: B5042226062
Pepper36 Light BTL
Free Valuation
Product Code: B5041926062
Pepper36 Light BTL
Product Code: B2041626062
Pepper36 Light BTL
Product Code: B2041326062
Pepper36 Light BTL
Free Valuation
Product Code: B2041026062
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.
Cashback All 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: B5044026062
Pepper36 BTL
Product Code: B5043726062
Pepper36 BTL
Free Valuation
Product Code: B5043426062
Pepper36 BTL
Product Code: B2043126062
Pepper36 BTL
Product Code: B2042826062
Pepper36 BTL
Free Valuation
Product Code: B2042526062
Pepper36 BTL
Product Code: B5044126062
Pepper36 BTL
Product Code: B5043826062
Pepper36 BTL
Free Valuation
Product Code: B5043526062
Pepper36 BTL
Product Code: B2043226062
Pepper36 BTL
Product Code: B2042926062
Pepper36 BTL
Free Valuation
Product Code: B2042626062
Pepper36 BTL
Product Code: B5043926062
Pepper36 BTL
Free Valuation
Product Code: B5043626062
Pepper36 BTL
Product Code: B2043326062
Pepper36 BTL
Product Code: B2043026062
Pepper36 BTL
Free Valuation
Product Code: B2042726062
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.
Cashback All 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: B5045226062
Pepper24 Light BTL
Product Code: B5045026062
Pepper24 Light BTL
Product Code: B5044826062
Pepper24 Light BTL
Product Code: B2044626062
Pepper24 Light BTL
Product Code: B2044426062
Pepper24 Light BTL
Product Code: B2044226062
Pepper24 Light BTL
Product Code: B5045326062
Pepper24 Light BTL
Product Code: B5045126062
Pepper24 Light BTL
Product Code: B5044926062
Pepper24 Light BTL
Product Code: B2044726062
Pepper24 Light BTL
Product Code: B2044526062
Pepper24 Light BTL
Product Code: B2044326062
Application fee = £150
Cashback All 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: B5046426062
Pepper24 BTL
Product Code: B5046226062
Pepper24 BTL
Product Code: B5046026062
Pepper24 BTL
Product Code: B2045826062
Pepper24 BTL
Product Code: B2045626062
Pepper24 BTL
Product Code: B2045426062
Pepper24 BTL
Product Code: B5046526062
Pepper24 BTL
Product Code: B5046326062
Pepper24 BTL
Product Code: B5046126062
Pepper24 BTL
Product Code: B2045926062
Pepper24 BTL
Product Code: B2045726062
Pepper24 BTL
Product Code: B2045526062
Application fee = £150
Cashback All 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: B5047626062
Pepper18 Light BTL
Product Code: B5047426062
Pepper18 Light BTL
Product Code: B5047226062
Pepper18 Light BTL
Product Code: B2047026062
Pepper18 Light BTL
Product Code: B2046826062
Pepper18 Light BTL
Product Code: B2046626062
Pepper18 Light BTL
Product Code: B5047726062
Pepper18 Light BTL
Product Code: B5047526062
Pepper18 Light BTL
Product Code: B5047326062
Pepper18 Light BTL
Product Code: B2047126062
Pepper18 Light BTL
Product Code: B2046926062
Pepper18 Light BTL
Product Code: B2046726062
Application fee = £150
Cashback All 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: B5048826062
Pepper18 BTL
Product Code: B5048626062
Pepper18 BTL
Product Code: B5048426062
Pepper18 BTL
Product Code: B2048226062
Pepper18 BTL
Product Code: B2048026062
Pepper18 BTL
Product Code: B2047826062
Pepper18 BTL
Product Code: B5048926062
Pepper18 BTL
Product Code: B5048726062
Pepper18 BTL
Product Code: B5048526062
Pepper18 BTL
Product Code: B2048326062
Pepper18 BTL
Product Code: B2048126062
Pepper18 BTL
Product Code: B2047926062
Application fee = £150
Cashback All 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: B5050026062
Pepper12 Light BTL
Product Code: B5049826062
Pepper12 Light BTL
Product Code: B5049626062
Pepper12 Light BTL
Product Code: B2049426062
Pepper12 Light BTL
Product Code: B2049226062
Pepper12 Light BTL
Product Code: B2049026062
Pepper12 Light BTL
Product Code: B5050126062
Pepper12 Light BTL
Product Code: B5049926062
Pepper12 Light BTL
Product Code: B5049726062
Pepper12 Light BTL
Product Code: B2049526062
Pepper12 Light BTL
Product Code: B2049326062
Pepper12 Light BTL
Product Code: B2049126062
Application fee = £150
Cashback All 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: B5051226062
Pepper12 BTL
Product Code: B5051026062
Pepper12 BTL
Product Code: B5050826062
Pepper12 BTL
Product Code: B2050626062
Pepper12 BTL
Product Code: B2050426062
Pepper12 BTL
Product Code: B2050226062
Pepper12 BTL
Product Code: B5051326062
Pepper12 BTL
Product Code: B5051126062
Pepper12 BTL
Product Code: B5050926062
Pepper12 BTL
Product Code: B2050526062
Pepper12 BTL
Product Code: B2050726062
Pepper12 BTL
Product Code: B2050326062
Application fee = £150
Cashback All 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: LH5078026062
Pepper48 Light HMO
Product Code: LH5077826062
Pepper48 Light HMO
Product Code: LH5077626062
Pepper48 Light HMO
Product Code: LH2077426062
Pepper48 Light HMO
Product Code: LH2077226062
Pepper48 Light HMO
Product Code: LH2077026062
Pepper48 Light HMO
Product Code: LH5077926062
Pepper48 Light HMO
Product Code: LH5077726062
Pepper48 Light HMO
Product Code: LH2077526062
Pepper48 Light HMO
Product Code: LH2077126062
Pepper48 Light HMO
Product Code: LH2077326062
Application fee = £150
All 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 HMO
Product Code: LH5079126062
Pepper48 HMO
Product Code: LH5078926062
Pepper48 HMO
Product Code: LH5078726062
Pepper48 HMO
Product Code: LH2078526062
Pepper48 HMO
Product Code: LH2078326062
Pepper48 HMO
Product Code: LH2078126062
Pepper48 HMO
Product Code: LH5079026062
Pepper48 HMO
Product Code: LH5078826062
Pepper48 HMO
Product Code: LH2078626062
Pepper48 HMO
Product Code: LH2078426062
Pepper48 HMO
Product Code: LH2078226062
Application fee = £150
All 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 HMO
Product Code: LH5080226062
Pepper36 Light HMO
Product Code: LH5080026062
Pepper36 Light HMO
Product Code: LH5079826062
Pepper36 Light HMO
Product Code: LH2079626062
Pepper36 Light HMO
Product Code: LH2079426062
Pepper36 Light HMO
Product Code: LH2079226062
Pepper36 Light HMO
Product Code: LH5080126062
Pepper36 Light HMO
Product Code: LH5079926062
Pepper36 Light HMO
Product Code: LH2079726062
Pepper36 Light HMO
Product Code: LH2079526062
Pepper36 Light HMO
Product Code: LH2079326062
Application fee = £150
All 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 HMO
Product Code: LH5081326062
Pepper36 HMO
Product Code: LH5081126062
Pepper36 HMO
Product Code: LH5080926062
Pepper36 HMO
Product Code: LH2080726062
Pepper36 HMO
Product Code: LH2080526062
Pepper36 HMO
Product Code: LH2080326062
Pepper36 HMO
Product Code: LH5081226062
Pepper36 HMO
Product Code: LH5081026062
Pepper36 HMO
Product Code: LH2080826062
Pepper36 HMO
Product Code: LH2080626062
Pepper36 HMO
Product Code: LH2080426062
Application fee = £150
All 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 HMO
Product Code: LH5082426062
Pepper24 Light HMO
Product Code: LH5082226062
Pepper24 Light HMO
Product Code: LH5082026062
Pepper24 Light HMO
Product Code: LH2081826062
Pepper24 Light HMO
Product Code: LH2081626062
Pepper24 Light HMO
Product Code: LH2081426062
Pepper24 Light HMO
Product Code: LH5082326062
Pepper24 Light HMO
Product Code: LH5082126062
Pepper24 Light HMO
Product Code: LH2081926062
Pepper24 Light HMO
Product Code: LH2081726062
Pepper24 Light HMO
Product Code: LH2081526062
Application fee = £150
All 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 HMO
Product Code: LH5083526062
Pepper24 HMO
Product Code: LH5083326062
Pepper24 HMO
Product Code: LH5083126062
Pepper24 HMO
Product Code: LH2082926062
Pepper24 HMO
Product Code: LH2082726062
Pepper24 HMO
Product Code: LH2082526062
Pepper24 HMO
Product Code: LH5083426062
Pepper24 HMO
Product Code: LH5083226062
Pepper24 HMO
Product Code: LH2083026062
Pepper24 HMO
Product Code: LH2082826062
Pepper24 HMO
Product Code: LH2082626062
Application fee = £150
All 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 HMO
Product Code: LH5084626062
Pepper18 Light HMO
Product Code: LH5084426062
Pepper18 Light HMO
Product Code: LH5084226062
Pepper18 Light HMO
Product Code: LH2084026062
Pepper18 Light HMO
Product Code: LH2083826062
Pepper18 Light HMO
Product Code: LH2083626062
Pepper18 Light HMO
Product Code: LH5084526062
Pepper18 Light HMO
Product Code: LH5084326062
Pepper18 Light HMO
Product Code: LH2084126062
Pepper18 Light HMO
Product Code: LH2083926062
Pepper18 Light HMO
Product Code: LH2083726062
Application fee = £150
All 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 HMO
Product Code: LH5085726062
Pepper18 HMO
Product Code: LH5085526062
Pepper18 HMO
Product Code: LH5085326062
Pepper18 HMO
Product Code: LH2085126062
Pepper18 HMO
Product Code: LH2084926062
Pepper18 HMO
Product Code: LH2084726062
Pepper18 HMO
Product Code: LH5085626062
Pepper18 HMO
Product Code: LH5085426062
Pepper18 HMO
Product Code: LH2085226062
Pepper18 HMO
Product Code: LH2085026062
Pepper18 HMO
Product Code: LH2084826062
Application fee = £150
All 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 |
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: LH5086826062
Pepper12 Light HMO
Product Code: LH5086626062
Pepper12 Light HMO
Product Code: LH5086426062
Pepper12 Light HMO
Product Code: LH2086226062
Pepper12 Light HMO
Product Code: LH2086026062
Pepper12 Light HMO
Product Code: LH2085826062
Pepper12 Light HMO
Product Code: LH5086726062
Pepper12 Light HMO
Product Code: LH5086526062
Pepper12 Light HMO
Product Code: LH2086326062
Pepper12 Light HMO
Product Code: LH2086126062
Pepper12 Light HMO
Product Code: LH2085926062
Application fee = £150
All 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 HMO
Product Code: LH5087926062
Pepper12 HMO
Product Code: LH5087726062
Pepper12 HMO
Product Code: LH5087526062
Pepper12 HMO
Product Code: LH2087326062
Pepper12 HMO
Product Code: LH2087126062
Pepper12 HMO
Product Code: LH2086926062
Pepper12 HMO
Product Code: LH5087826062
Pepper12 HMO
Product Code: LH5087626062
Pepper12 HMO
Product Code: LH2087226062
Pepper12 HMO
Product Code: LH2087426062
Pepper12 HMO
Product Code: LH2087026062
Application fee = £150
All 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 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 |
Try our Buy to Let affordability calculator
Our Buy to Let calculator has been built with you in mind, it’s simple to complete and will give you an indication of the maximum we could lend your client.
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