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 or Sheriff Court Decrees, 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
- October 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 or Sheriff Court Decree
Suitable for customers: with no Default in the last 48 months never had a CCJ or Sheriff Court Decree
Pepper48 Light BTL
Product Code: B500722610165
Pepper48 Light BTL
Product Code: B200022610165
Pepper48 Light BTL
Product Code: B500722610170
Pepper48 Light BTL
Product Code: B200022610170
Pepper48 Light BTL
Product Code: B500722610175
Pepper48 Light BTL
Product Code: B200022610175
Pepper48 Light BTL
Product Code: B500722610180
Pepper48 Light BTL
Product Code: B200022610180
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/Sheriff Court Decrees (SCD): | None |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Pepper48 BTL
Product Code: B500742610165
Pepper48 BTL
Product Code: B200052610165
Pepper48 BTL
Product Code: B500742610170
Pepper48 BTL
Product Code: B200052610170
Pepper48 BTL
Product Code: B500742610175
Pepper48 BTL
Product Code: B200052610175
Pepper48 BTL
Product Code: B500742610180
Pepper48 BTL
Product Code: B200052610180
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/Sheriff Court Decrees (SCD): | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Pepper36 Light BTL
Product Code: B500762610165
Pepper36 Light BTL
Product Code: B200082610165
Pepper36 Light BTL
Product Code: B500762610170
Pepper36 Light BTL
Product Code: B200082610170
Pepper36 Light BTL
Product Code: B500762610175
Pepper36 Light BTL
Product Code: B200082610175
Pepper36 Light BTL
Product Code: B500762610180
Pepper36 Light BTL
Product Code: B200082610180
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/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Pepper36 BTL
Product Code: B500782610165
Pepper36 BTL
Product Code: B200112610165
Pepper36 BTL
Product Code: B500782610170
Pepper36 BTL
Product Code: B200112610170
Pepper36 BTL
Product Code: B500782610175
Pepper36 BTL
Product Code: B200112610175
Pepper36 BTL
Product Code: B500782610180
Pepper36 BTL
Product Code: B200112610180
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/Sheriff Court Decrees (SCD): | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Pepper24 Light BTL
Product Code: B500802610165
Pepper24 Light BTL
Product Code: B200142610165
Pepper24 Light BTL
Product Code: B500802610170
Pepper24 Light BTL
Product Code: B200142610170
Pepper24 Light BTL
Product Code: B500802610175
Pepper24 Light BTL
Product Code: B200142610175
Application fee = £150
Cashback All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Pepper24 BTL
Product Code: B500822610165
Pepper24 BTL
Product Code: B200172610165
Pepper24 BTL
Product Code: B500822610170
Pepper24 BTL
Product Code: B200172610170
Pepper24 BTL
Product Code: B500822610175
Pepper24 BTL
Product Code: B200172610175
Application fee = £150
Cashback All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Pepper18 Light BTL
Product Code: B500842610165
Pepper18 Light BTL
Product Code: B200202610165
Pepper18 Light BTL
Product Code: B500842610170
Pepper18 Light BTL
Product Code: B200202610170
Pepper18 Light BTL
Product Code: B500842610175
Pepper18 Light BTL
Product Code: B200202610175
Application fee = £150
Cashback All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Pepper18 BTL
Product Code: B500862610165
Pepper18 BTL
Product Code: B200232610165
Pepper18 BTL
Product Code: B500862610170
Pepper18 BTL
Product Code: B200232610170
Pepper18 BTL
Product Code: B500862610175
Pepper18 BTL
Product Code: B200232610175
Application fee = £150
Cashback All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Pepper12 Light BTL
Product Code: B500882610165
Pepper12 Light BTL
Product Code: B200262610165
Pepper12 Light BTL
Product Code: B500882610170
Pepper12 Light BTL
Product Code: B200262610170
Pepper12 Light BTL
Product Code: B500882610175
Pepper12 Light BTL
Product Code: B200262610175
Application fee = £150
Cashback All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Pepper12 BTL
Product Code: B500902610165
Pepper12 BTL
Product Code: B200292610165
Pepper12 BTL
Product Code: B500902610170
Pepper12 BTL
Product Code: B200292610170
Pepper12 BTL
Product Code: B500902610175
Pepper12 BTL
Product Code: B200292610175
Application fee = £150
Cashback All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | 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 or Sheriff Court Decree
Suitable for customers: with no Default in the last 48 months never had a CCJ or Sheriff Court Decree
Pepper48 Light HMO
Product Code: LH500312610165
Pepper48 Light HMO
Product Code: LH200022610165
Pepper48 Light HMO
Product Code: LH500312610170
Pepper48 Light HMO
Product Code: LH200022610170
Pepper48 Light HMO
Product Code: LH500312610175
Pepper48 Light HMO
Product Code: LH200022610175
Application fee = £150
All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | None |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Suitable for customers: with no Default in the last 48 months no CCJ or Sheriff Court Decree in the last 48 months
Pepper48 HMO
Product Code: LH500322610165
Pepper48 HMO
Product Code: LH200052610165
Pepper48 HMO
Product Code: LH500322610170
Pepper48 HMO
Product Code: LH200052610170
Pepper48 HMO
Product Code: LH500322610175
Pepper48 HMO
Product Code: LH200052610175
Application fee = £150
All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 36 months never had a CCJ or Sheriff Court Decree
Pepper36 Light HMO
Product Code: LH500332610165
Pepper36 Light HMO
Product Code: LH200082610165
Pepper36 Light HMO
Product Code: LH500332610170
Pepper36 Light HMO
Product Code: LH200082610170
Pepper36 Light HMO
Product Code: LH500332610175
Pepper36 Light HMO
Product Code: LH200082610175
Application fee = £150
All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ or Sheriff Court Decree in the last 36 months
Pepper36 HMO
Product Code: LH500342610165
Pepper36 HMO
Product Code: LH200112610165
Pepper36 HMO
Product Code: LH500342610170
Pepper36 HMO
Product Code: LH200112610170
Pepper36 HMO
Product Code: LH500342610175
Pepper36 HMO
Product Code: LH200112610175
Application fee = £150
All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 24 months never had a CCJ or Sheriff Court Decree
Pepper24 Light HMO
Product Code: LH500352610165
Pepper24 Light HMO
Product Code: LH200142610165
Pepper24 Light HMO
Product Code: LH500352610170
Pepper24 Light HMO
Product Code: LH200142610170
Pepper24 Light HMO
Product Code: LH500352610175
Pepper24 Light HMO
Product Code: LH200142610175
Application fee = £150
All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ or Sheriff Court Decree in the last 24 months
Pepper24 HMO
Product Code: LH500362610165
Pepper24 HMO
Product Code: LH200172610165
Pepper24 HMO
Product Code: LH500362610170
Pepper24 HMO
Product Code: LH200172610170
Pepper24 HMO
Product Code: LH500362610175
Pepper24 HMO
Product Code: LH200172610175
Application fee = £150
All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 18 months never had a CCJ or Sheriff Court Decree
Pepper18 Light HMO
Product Code: LH500372610165
Pepper18 Light HMO
Product Code: LH200202610165
Pepper18 Light HMO
Product Code: LH500372610170
Pepper18 Light HMO
Product Code: LH200202610170
Pepper18 Light HMO
Product Code: LH500372610175
Pepper18 Light HMO
Product Code: LH200202610175
Application fee = £150
All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ or Sheriff Court Decree in the last 18 months
Pepper18 HMO
Product Code: LH500382610165
Pepper18 HMO
Product Code: LH200232610165
Pepper18 HMO
Product Code: LH500382610170
Pepper18 HMO
Product Code: LH200232610170
Pepper18 HMO
Product Code: LH500382610175
Pepper18 HMO
Product Code: LH200232610175
Application fee = £150
All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 18 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Suitable for customers: with no Default in the last 12 months never had a CCJ or Sheriff Court Decree
Pepper12 Light HMO
Product Code: LH500392610165
Pepper12 Light HMO
Product Code: LH200262610165
Pepper12 Light HMO
Product Code: LH500392610170
Pepper12 Light HMO
Product Code: LH200262610170
Pepper12 Light HMO
Product Code: LH500392610175
Pepper12 Light HMO
Product Code: LH200262610175
Application fee = £150
All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | None |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ or Sheriff Court Decree in the last 12 months
Pepper12 HMO
Product Code: LH500402610165
Pepper12 HMO
Product Code: LH200292610165
Pepper12 HMO
Product Code: LH500402610170
Pepper12 HMO
Product Code: LH200292610170
Pepper12 HMO
Product Code: LH500402610175
Pepper12 HMO
Product Code: LH200292610175
Application fee = £150
All BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs/Sheriff Court Decrees (SCD): | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/SCD/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/Sequestration/IVA/Protected Trust Deed: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan/Debt Arrangement Scheme: | 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.
Resources
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