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
- September 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: B500722609265
Pepper48 Light BTL
Product Code: B200712609265
Pepper48 Light BTL
Product Code: B500732609270
Pepper48 Light BTL
Product Code: B200022609270
Pepper48 Light BTL
Product Code: B500752609275
Pepper48 Light BTL
Product Code: B200022609275
Pepper48 Light BTL
Product Code: B500762609280
Pepper48 Light BTL
Product Code: B200022609280
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: B500772609265
Pepper48 BTL
Product Code: B200722609265
Pepper48 BTL
Product Code: B500782609270
Pepper48 BTL
Product Code: B200052609270
Pepper48 BTL
Product Code: B500802609275
Pepper48 BTL
Product Code: B200052609275
Pepper48 BTL
Product Code: B500812609280
Pepper48 BTL
Product Code: B200052609280
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: B500822609265
Pepper36 Light BTL
Product Code: B200732609265
Pepper36 Light BTL
Product Code: B500832609270
Pepper36 Light BTL
Product Code: B200082609270
Pepper36 Light BTL
Product Code: B500852609275
Pepper36 Light BTL
Product Code: B200082609275
Pepper36 Light BTL
Product Code: B500862609280
Pepper36 Light BTL
Product Code: B200082609280
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: B500872609265
Pepper36 BTL
Product Code: B200742609265
Pepper36 BTL
Product Code: B500882609270
Pepper36 BTL
Product Code: B200112609270
Pepper36 BTL
Product Code: B500902609275
Pepper36 BTL
Product Code: B200112609275
Pepper36 BTL
Product Code: B500912609280
Pepper36 BTL
Product Code: B200112609280
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: B500922609265
Pepper24 Light BTL
Product Code: B200752609265
Pepper24 Light BTL
Product Code: B500932609270
Pepper24 Light BTL
Product Code: B200142609270
Pepper24 Light BTL
Product Code: B500952609275
Pepper24 Light BTL
Product Code: B200142609275
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: B500962609265
Pepper24 BTL
Product Code: B200762609265
Pepper24 BTL
Product Code: B500972609270
Pepper24 BTL
Product Code: B200172609270
Pepper24 BTL
Product Code: B500992609275
Pepper24 BTL
Product Code: B200172609275
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: B501002609265
Pepper18 Light BTL
Product Code: B200772609265
Pepper18 Light BTL
Product Code: B501012609270
Pepper18 Light BTL
Product Code: B200202609270
Pepper18 Light BTL
Product Code: B501032609275
Pepper18 Light BTL
Product Code: B200202609275
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: B501042609265
Pepper18 BTL
Product Code: B200782609265
Pepper18 BTL
Product Code: B501052609270
Pepper18 BTL
Product Code: B200232609270
Pepper18 BTL
Product Code: B501072609275
Pepper18 BTL
Product Code: B200232609275
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: B501082609265
Pepper12 Light BTL
Product Code: B200792609265
Pepper12 Light BTL
Product Code: B501092609270
Pepper12 Light BTL
Product Code: B200262609270
Pepper12 Light BTL
Product Code: B501112609275
Pepper12 Light BTL
Product Code: B200262609275
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: B501122609265
Pepper12 BTL
Product Code: B200802609265
Pepper12 BTL
Product Code: B501132609270
Pepper12 BTL
Product Code: B200292609270
Pepper12 BTL
Product Code: B501152609275
Pepper12 BTL
Product Code: B200292609275
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: LH500312609265
Pepper48 Light HMO
Product Code: LH200312609265
Pepper48 Light HMO
Product Code: LH500322609270
Pepper48 Light HMO
Product Code: LH200022609270
Pepper48 Light HMO
Product Code: LH500332609275
Pepper48 Light HMO
Product Code: LH200022609275
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: LH500342609265
Pepper48 HMO
Product Code: LH200322609265
Pepper48 HMO
Product Code: LH500352609270
Pepper48 HMO
Product Code: LH200052609270
Pepper48 HMO
Product Code: LH500362609275
Pepper48 HMO
Product Code: LH200052609275
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: LH500372609265
Pepper36 Light HMO
Product Code: LH200332609265
Pepper36 Light HMO
Product Code: LH500382609270
Pepper36 Light HMO
Product Code: LH200082609270
Pepper36 Light HMO
Product Code: LH500392609275
Pepper36 Light HMO
Product Code: LH200082609275
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: LH500402609265
Pepper36 HMO
Product Code: LH200342609265
Pepper36 HMO
Product Code: LH500412609270
Pepper36 HMO
Product Code: LH200112609270
Pepper36 HMO
Product Code: LH500422609275
Pepper36 HMO
Product Code: LH200112609275
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: LH500432609265
Pepper24 Light HMO
Product Code: LH200352609265
Pepper24 Light HMO
Product Code: LH500442609270
Pepper24 Light HMO
Product Code: LH200142609270
Pepper24 Light HMO
Product Code: LH500452609275
Pepper24 Light HMO
Product Code: LH200142609275
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: LH500462609265
Pepper24 HMO
Product Code: LH200362609265
Pepper24 HMO
Product Code: LH500472609270
Pepper24 HMO
Product Code: LH200172609270
Pepper24 HMO
Product Code: LH500482609275
Pepper24 HMO
Product Code: LH200172609275
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: LH500492609265
Pepper18 Light HMO
Product Code: LH200372609265
Pepper18 Light HMO
Product Code: LH500502609270
Pepper18 Light HMO
Product Code: LH200202609270
Pepper18 Light HMO
Product Code: LH500512609275
Pepper18 Light HMO
Product Code: LH200202609275
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: LH500522609265
Pepper18 HMO
Product Code: LH200382609265
Pepper18 HMO
Product Code: LH500532609270
Pepper18 HMO
Product Code: LH200232609270
Pepper18 HMO
Product Code: LH500542609275
Pepper18 HMO
Product Code: LH200232609275
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: LH500552609265
Pepper12 Light HMO
Product Code: LH200392609265
Pepper12 Light HMO
Product Code: LH500562609270
Pepper12 Light HMO
Product Code: LH200262609270
Pepper12 Light HMO
Product Code: LH500572609275
Pepper12 Light HMO
Product Code: LH200262609275
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: LH500582609265
Pepper12 HMO
Product Code: LH200402609265
Pepper12 HMO
Product Code: LH500592609270
Pepper12 HMO
Product Code: LH200292609270
Pepper12 HMO
Product Code: LH500602609275
Pepper12 HMO
Product Code: LH200292609275
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
Buy to Let & Limited Company Buy to Let toolkit and guides
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