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: B500032607270
Pepper48 Light BTL
Product Code: B500022607270
Pepper48 Light BTL
Free Valuation
Product Code: B500012607270
Pepper48 Light BTL
Product Code: B200032607270
Pepper48 Light BTL
Product Code: B200022607270
Pepper48 Light BTL
Free Valuation
Product Code: B200012607270
Pepper48 Light BTL
Product Code: B500032607275
Pepper48 Light BTL
Product Code: B500022607275
Pepper48 Light BTL
Free Valuation
Product Code: B500012607275
Pepper48 Light BTL
Product Code: B200032607275
Pepper48 Light BTL
Product Code: B200022607275
Pepper48 Light BTL
Free Valuation
Product Code: B200012607275
Pepper48 Light BTL
Product Code: B500022607280
Pepper48 Light BTL
Free Valuation
Product Code: B500012607280
Pepper48 Light BTL
Product Code: B200032607280
Pepper48 Light BTL
Product Code: B200022607280
Pepper48 Light BTL
Free Valuation
Product Code: B200012607280
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: B500062607270
Pepper48 BTL
Product Code: B500052607270
Pepper48 BTL
Free Valuation
Product Code: B500042607270
Pepper48 BTL
Product Code: B200062607270
Pepper48 BTL
Product Code: B200052607270
Pepper48 BTL
Free Valuation
Product Code: B200042607270
Pepper48 BTL
Product Code: B500062607275
Pepper48 BTL
Product Code: B500052607275
Pepper48 BTL
Free Valuation
Product Code: B500042607275
Pepper48 BTL
Product Code: B200062607275
Pepper48 BTL
Product Code: B200052607275
Pepper48 BTL
Free Valuation
Product Code: B200042607275
Pepper48 BTL
Product Code: B500052607280
Pepper48 BTL
Free Valuation
Product Code: B500042607280
Pepper48 BTL
Product Code: B200062607280
Pepper48 BTL
Product Code: B200052607280
Pepper48 BTL
Free Valuation
Product Code: B200042607280
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: B500092607270
Pepper36 Light BTL
Product Code: B500082607270
Pepper36 Light BTL
Free Valuation
Product Code: B500072607270
Pepper36 Light BTL
Product Code: B200092607270
Pepper36 Light BTL
Product Code: B200082607270
Pepper36 Light BTL
Free Valuation
Product Code: B200072607270
Pepper36 Light BTL
Product Code: B500092607275
Pepper36 Light BTL
Product Code: B500082607275
Pepper36 Light BTL
Free Valuation
Product Code: B500072607275
Pepper36 Light BTL
Product Code: B200092607275
Pepper36 Light BTL
Product Code: B200082607275
Pepper36 Light BTL
Free Valuation
Product Code: B200072607275
Pepper36 Light BTL
Product Code: B500082607280
Pepper36 Light BTL
Free Valuation
Product Code: B500072607280
Pepper36 Light BTL
Product Code: B200092607280
Pepper36 Light BTL
Product Code: B200082607280
Pepper36 Light BTL
Free Valuation
Product Code: B200072607280
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: B500122607270
Pepper36 BTL
Product Code: B500112607270
Pepper36 BTL
Free Valuation
Product Code: B500102607270
Pepper36 BTL
Product Code: B200122607270
Pepper36 BTL
Product Code: B200112607270
Pepper36 BTL
Free Valuation
Product Code: B200102607270
Pepper36 BTL
Product Code: B500122607275
Pepper36 BTL
Product Code: B500112607275
Pepper36 BTL
Free Valuation
Product Code: B500102607275
Pepper36 BTL
Product Code: B200122607275
Pepper36 BTL
Product Code: B200112607275
Pepper36 BTL
Free Valuation
Product Code: B200102607275
Pepper36 BTL
Product Code: B500112607280
Pepper36 BTL
Free Valuation
Product Code: B500102607280
Pepper36 BTL
Product Code: B200122607280
Pepper36 BTL
Product Code: B200112607280
Pepper36 BTL
Free Valuation
Product Code: B200102607280
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: B500152607270
Pepper24 Light BTL
Product Code: B500142607270
Pepper24 Light BTL
Product Code: B500132607270
Pepper24 Light BTL
Product Code: B200152607270
Pepper24 Light BTL
Product Code: B200142607270
Pepper24 Light BTL
Product Code: B200132607270
Pepper24 Light BTL
Product Code: B500152607275
Pepper24 Light BTL
Product Code: B500142607275
Pepper24 Light BTL
Product Code: B500132607275
Pepper24 Light BTL
Product Code: B200152607275
Pepper24 Light BTL
Product Code: B200142607275
Pepper24 Light BTL
Product Code: B200132607275
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: B500182607270
Pepper24 BTL
Product Code: B500172607270
Pepper24 BTL
Product Code: B500162607270
Pepper24 BTL
Product Code: B200182607270
Pepper24 BTL
Product Code: B200172607270
Pepper24 BTL
Product Code: B200162607270
Pepper24 BTL
Product Code: B500182607275
Pepper24 BTL
Product Code: B500172607275
Pepper24 BTL
Product Code: B500162607275
Pepper24 BTL
Product Code: B200182607275
Pepper24 BTL
Product Code: B200172607275
Pepper24 BTL
Product Code: B200162607275
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: B500212607270
Pepper18 Light BTL
Product Code: B500202607270
Pepper18 Light BTL
Product Code: B500192607270
Pepper18 Light BTL
Product Code: B200212607270
Pepper18 Light BTL
Product Code: B200202607270
Pepper18 Light BTL
Product Code: B200192607270
Pepper18 Light BTL
Product Code: B500212607275
Pepper18 Light BTL
Product Code: B500202607275
Pepper18 Light BTL
Product Code: B500192607275
Pepper18 Light BTL
Product Code: B200212607275
Pepper18 Light BTL
Product Code: B200202607275
Pepper18 Light BTL
Product Code: B200192607275
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: B500242607270
Pepper18 BTL
Product Code: B500232607270
Pepper18 BTL
Product Code: B500222607270
Pepper18 BTL
Product Code: B200242607270
Pepper18 BTL
Product Code: B200232607270
Pepper18 BTL
Product Code: B200222607270
Pepper18 BTL
Product Code: B500242607275
Pepper18 BTL
Product Code: B500232607275
Pepper18 BTL
Product Code: B500222607275
Pepper18 BTL
Product Code: B200242607275
Pepper18 BTL
Product Code: B200232607275
Pepper18 BTL
Product Code: B200222607275
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: B500272607270
Pepper12 Light BTL
Product Code: B500262607270
Pepper12 Light BTL
Product Code: B500252607270
Pepper12 Light BTL
Product Code: B200272607270
Pepper12 Light BTL
Product Code: B200262607270
Pepper12 Light BTL
Product Code: B200252607270
Pepper12 Light BTL
Product Code: B500272607275
Pepper12 Light BTL
Product Code: B500262607275
Pepper12 Light BTL
Product Code: B500252607275
Pepper12 Light BTL
Product Code: B200272607275
Pepper12 Light BTL
Product Code: B200262607275
Pepper12 Light BTL
Product Code: B200252607275
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: B500302607270
Pepper12 BTL
Product Code: B500292607270
Pepper12 BTL
Product Code: B500282607270
Pepper12 BTL
Product Code: B200302607270
Pepper12 BTL
Product Code: B200292607270
Pepper12 BTL
Product Code: B200282607270
Pepper12 BTL
Product Code: B500302607275
Pepper12 BTL
Product Code: B500292607275
Pepper12 BTL
Product Code: B500282607275
Pepper12 BTL
Product Code: B200302607275
Pepper12 BTL
Product Code: B200292607275
Pepper12 BTL
Product Code: B200282607275
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: LH500032607270
Pepper48 Light HMO
Product Code: LH500022607270
Pepper48 Light HMO
Product Code: LH500012607270
Pepper48 Light HMO
Product Code: LH200032607270
Pepper48 Light HMO
Product Code: LH200022607270
Pepper48 Light HMO
Product Code: LH200012607270
Pepper48 Light HMO
Product Code: LH500022607275
Pepper48 Light HMO
Product Code: LH500012607275
Pepper48 Light HMO
Product Code: LH200032607275
Pepper48 Light HMO
Product Code: LH200022607275
Pepper48 Light HMO
Product Code: LH200012607275
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: LH500062607270
Pepper48 HMO
Product Code: LH500052607270
Pepper48 HMO
Product Code: LH500042607270
Pepper48 HMO
Product Code: LH200062607270
Pepper48 HMO
Product Code: LH200052607270
Pepper48 HMO
Product Code: LH200042607270
Pepper48 HMO
Product Code: LH500052607275
Pepper48 HMO
Product Code: LH500042607275
Pepper48 HMO
Product Code: LH200062607275
Pepper48 HMO
Product Code: LH200042607275
Pepper48 HMO
Product Code: LH200052607275
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: LH500092607270
Pepper36 Light HMO
Product Code: LH500082607270
Pepper36 Light HMO
Product Code: LH500072607270
Pepper36 Light HMO
Product Code: LH200092607270
Pepper36 Light HMO
Product Code: LH200082607270
Pepper36 Light HMO
Product Code: LH200072607270
Pepper36 Light HMO
Product Code: LH500082607275
Pepper36 Light HMO
Product Code: LH500072607275
Pepper36 Light HMO
Product Code: LH200092607275
Pepper36 Light HMO
Product Code: LH200082607275
Pepper36 Light HMO
Product Code: LH200072607275
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: LH500122607270
Pepper36 HMO
Product Code: LH500112607270
Pepper36 HMO
Product Code: LH500102607270
Pepper36 HMO
Product Code: LH200122607270
Pepper36 HMO
Product Code: LH200112607270
Pepper36 HMO
Product Code: LH200102607270
Pepper36 HMO
Product Code: LH500112607275
Pepper36 HMO
Product Code: LH500102607275
Pepper36 HMO
Product Code: LH200122607275
Pepper36 HMO
Product Code: LH200112607275
Pepper36 HMO
Product Code: LH200102607275
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: LH500152607270
Pepper24 Light HMO
Product Code: LH500142607270
Pepper24 Light HMO
Product Code: LH500132607270
Pepper24 Light HMO
Product Code: LH200152607270
Pepper24 Light HMO
Product Code: LH200142607270
Pepper24 Light HMO
Product Code: LH200132607270
Pepper24 Light HMO
Product Code: LH500142607275
Pepper24 Light HMO
Product Code: LH500132607275
Pepper24 Light HMO
Product Code: LH200152607275
Pepper24 Light HMO
Product Code: LH200142607275
Pepper24 Light HMO
Product Code: LH200132607275
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: LH500182607270
Pepper24 HMO
Product Code: LH500172607270
Pepper24 HMO
Product Code: LH500162607270
Pepper24 HMO
Product Code: LH200182607270
Pepper24 HMO
Product Code: LH200172607270
Pepper24 HMO
Product Code: LH200162607270
Pepper24 HMO
Product Code: LH500182607275
Pepper24 HMO
Product Code: LH500172607275
Pepper24 HMO
Product Code: LH200182607275
Pepper24 HMO
Product Code: LH200172607275
Pepper24 HMO
Product Code: LH200162607275
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: LH500212607270
Pepper18 Light HMO
Product Code: LH500202607270
Pepper18 Light HMO
Product Code: LH500192607270
Pepper18 Light HMO
Product Code: LH200212607270
Pepper18 Light HMO
Product Code: LH200202607270
Pepper18 Light HMO
Product Code: LH200192607270
Pepper18 Light HMO
Product Code: LH500202607275
Pepper18 Light HMO
Product Code: LH500192607275
Pepper18 Light HMO
Product Code: LH200212607275
Pepper18 Light HMO
Product Code: LH200202607275
Pepper18 Light HMO
Product Code: LH200192607275
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: LH500242607270
Pepper18 HMO
Product Code: LH500232607270
Pepper18 HMO
Product Code: LH500222607270
Pepper18 HMO
Product Code: LH200242607270
Pepper18 HMO
Product Code: LH200232607270
Pepper18 HMO
Product Code: LH200222607270
Pepper18 HMO
Product Code: LH500232607275
Pepper18 HMO
Product Code: LH500222607275
Pepper18 HMO
Product Code: LH200242607275
Pepper18 HMO
Product Code: LH200232607275
Pepper18 HMO
Product Code: LH200222607275
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: LH500272607270
Pepper12 Light HMO
Product Code: LH500262607270
Pepper12 Light HMO
Product Code: LH500252607270
Pepper12 Light HMO
Product Code: LH200272607270
Pepper12 Light HMO
Product Code: LH200262607270
Pepper12 Light HMO
Product Code: LH200252607270
Pepper12 Light HMO
Product Code: LH500262607275
Pepper12 Light HMO
Product Code: LH500252607275
Pepper12 Light HMO
Product Code: LH200272607275
Pepper12 Light HMO
Product Code: LH200262607275
Pepper12 Light HMO
Product Code: LH200252607275
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: LH500302607270
Pepper12 HMO
Product Code: LH500292607270
Pepper12 HMO
Product Code: LH500282607270
Pepper12 HMO
Product Code: LH200302607270
Pepper12 HMO
Product Code: LH200292607270
Pepper12 HMO
Product Code: LH200282607270
Pepper12 HMO
Product Code: LH500292607275
Pepper12 HMO
Product Code: LH500282607275
Pepper12 HMO
Product Code: LH200302607275
Pepper12 HMO
Product Code: LH200292607275
Pepper12 HMO
Product Code: LH200282607275
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 |
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