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
- February 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: B51502
Pepper48 Light BTL
Product Code: B51504
Pepper48 Light BTL
Free Valuation
Product Code: B51499
Pepper48 Light BTL
Free Valuation
Product Code: B51507
Pepper48 Light BTL
Product Code: B20698
Pepper48 Light BTL
Product Code: B20701
Pepper48 Light BTL
Free Valuation
Product Code: B20704
Pepper48 Light BTL
Product Code: B51503
Pepper48 Light BTL
Product Code: B51505
Pepper48 Light BTL
Free Valuation
Product Code: B51500
Pepper48 Light BTL
Free Valuation
Product Code: B51508
Pepper48 Light BTL
Product Code: B20699
Pepper48 Light BTL
Product Code: B20702
Pepper48 Light BTL
Free Valuation
Product Code: B20705
Pepper48 Light BTL
Product Code: B51506
Pepper48 Light BTL
Free Valuation
Product Code: B51501
Pepper48 Light BTL
Free Valuation
Product Code: B51509
Pepper48 Light BTL
Product Code: B20700
Pepper48 Light BTL
Product Code: B20703
Pepper48 Light BTL
Free Valuation
Product Code: B20706
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.
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Pepper48 BTL
Product Code: B51513
Pepper48 BTL
Product Code: B51515
Pepper48 BTL
Free Valuation
Product Code: B51510
Pepper48 BTL
Free Valuation
Product Code: B51518
Pepper48 BTL
Product Code: B20707
Pepper48 BTL
Product Code: B20710
Pepper48 BTL
Free Valuation
Product Code: B20713
Pepper48 BTL
Product Code: B51514
Pepper48 BTL
Product Code: B51516
Pepper48 BTL
Free Valuation
Product Code: B51511
Pepper48 BTL
Free Valuation
Product Code: B51519
Pepper48 BTL
Product Code: B20708
Pepper48 BTL
Product Code: B20711
Pepper48 BTL
Free Valuation
Product Code: B20714
Pepper48 BTL
Product Code: B51517
Pepper48 BTL
Free Valuation
Product Code: B51512
Pepper48 BTL
Free Valuation
Product Code: B51520
Pepper48 BTL
Product Code: B20709
Pepper48 BTL
Product Code: B20712
Pepper48 BTL
Free Valuation
Product Code: B20715
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.
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months never had a CCJ
Suitable for customers: with no Default in the last 36 months never had a CCJ
Pepper36 Light BTL
Product Code: B51548
Pepper36 Light BTL
Product Code: B51550
Pepper36 Light BTL
Free Valuation
Product Code: B51545
Pepper36 Light BTL
Free Valuation
Product Code: B51553
Pepper36 Light BTL
Product Code: B20730
Pepper36 Light BTL
Product Code: B20733
Pepper36 Light BTL
Free Valuation
Product Code: B20736
Pepper36 Light BTL
Product Code: B51549
Pepper36 Light BTL
Product Code: B51551
Pepper36 Light BTL
Free Valuation
Product Code: B51546
Pepper36 Light BTL
Free Valuation
Product Code: B51554
Pepper36 Light BTL
Product Code: B20731
Pepper36 Light BTL
Product Code: B20734
Pepper36 Light BTL
Free Valuation
Product Code: B20737
Pepper36 Light BTL
Product Code: B51552
Pepper36 Light BTL
Free Valuation
Product Code: B51547
Pepper36 Light BTL
Free Valuation
Product Code: B51555
Pepper36 Light BTL
Product Code: B20732
Pepper36 Light BTL
Product Code: B20735
Pepper36 Light BTL
Free Valuation
Product Code: B20738
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.
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36 BTL
Product Code: B51559
Pepper36 BTL
Product Code: B51561
Pepper36 BTL
Free Valuation
Product Code: B51556
Pepper36 BTL
Free Valuation
Product Code: B51564
Pepper36 BTL
Product Code: B20739
Pepper36 BTL
Product Code: B20742
Pepper36 BTL
Free Valuation
Product Code: B20745
Pepper36 BTL
Product Code: B51560
Pepper36 BTL
Product Code: B51562
Pepper36 BTL
Free Valuation
Product Code: B51557
Pepper36 BTL
Free Valuation
Product Code: B51565
Pepper36 BTL
Product Code: B20740
Pepper36 BTL
Product Code: B20743
Pepper36 BTL
Free Valuation
Product Code: B20746
Pepper36 BTL
Product Code: B51563
Pepper36 BTL
Free Valuation
Product Code: B51558
Pepper36 BTL
Free Valuation
Product Code: B51566
Pepper36 BTL
Product Code: B20741
Pepper36 BTL
Product Code: B20744
Pepper36 BTL
Free Valuation
Product Code: B20747
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.
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months never had a CCJ
Suitable for customers: with no Default in the last 24 months never had a CCJ
Pepper24 Light BTL
Product Code: B51593
Pepper24 Light BTL
Product Code: B51595
Pepper24 Light BTL
Product Code: B51591
Pepper24 Light BTL
Product Code: B51597
Pepper24 Light BTL
Product Code: B20762
Pepper24 Light BTL
Product Code: B20764
Pepper24 Light BTL
Product Code: B20766
Pepper24 Light BTL
Product Code: B51594
Pepper24 Light BTL
Product Code: B51596
Pepper24 Light BTL
Product Code: B51592
Pepper24 Light BTL
Product Code: B51598
Pepper24 Light BTL
Product Code: B20763
Pepper24 Light BTL
Product Code: B20765
Pepper24 Light BTL
Product Code: B20767
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 BTL
Product Code: B51601
Pepper24 BTL
Product Code: B51603
Pepper24 BTL
Product Code: B51599
Pepper24 BTL
Product Code: B51605
Pepper24 BTL
Product Code: B20768
Pepper24 BTL
Product Code: B20770
Pepper24 BTL
Product Code: B20772
Pepper24 BTL
Product Code: B51602
Pepper24 BTL
Product Code: B51604
Pepper24 BTL
Product Code: B51600
Pepper24 BTL
Product Code: B51606
Pepper24 BTL
Product Code: B20769
Pepper24 BTL
Product Code: B20771
Pepper24 BTL
Product Code: B20773
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months never had a CCJ
Suitable for customers: with no Default in the last 18 months never had a CCJ
Pepper18 Light BTL
Product Code: B51615
Pepper18 Light BTL
Product Code: B51617
Pepper18 Light BTL
Product Code: B51621
Pepper18 Light BTL
Product Code: B51619
Pepper18 Light BTL
Product Code: B20780
Pepper18 Light BTL
Product Code: B20782
Pepper18 Light BTL
Product Code: B20784
Pepper18 Light BTL
Product Code: B51616
Pepper18 Light BTL
Product Code: B51618
Pepper18 Light BTL
Product Code: B51622
Pepper18 Light BTL
Product Code: B51620
Pepper18 Light BTL
Product Code: B20781
Pepper18 Light BTL
Product Code: B20783
Pepper18 Light BTL
Product Code: B20785
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Pepper18 BTL
Product Code: B51623
Pepper18 BTL
Product Code: B51625
Pepper18 BTL
Product Code: B51629
Pepper18 BTL
Product Code: B51627
Pepper18 BTL
Product Code: B20786
Pepper18 BTL
Product Code: B20788
Pepper18 BTL
Product Code: B20790
Pepper18 BTL
Product Code: B51624
Pepper18 BTL
Product Code: B51626
Pepper18 BTL
Product Code: B51630
Pepper18 BTL
Product Code: B51628
Pepper18 BTL
Product Code: B20787
Pepper18 BTL
Product Code: B20789
Pepper18 BTL
Product Code: B20791
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 18 months |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months never had a CCJ
Suitable for customers: with no Default in the last 12 months never had a CCJ
Pepper12 Light BTL
Product Code: B51639
Pepper12 Light BTL
Product Code: B51641
Pepper12 Light BTL
Product Code: B51645
Pepper12 Light BTL
Product Code: B51643
Pepper12 Light BTL
Product Code: B20800
Pepper12 Light BTL
Product Code: B20802
Pepper12 Light BTL
Product Code: B20798
Pepper12 Light BTL
Product Code: B51640
Pepper12 Light BTL
Product Code: B51642
Pepper12 Light BTL
Product Code: B51646
Pepper12 Light BTL
Product Code: B51644
Pepper12 Light BTL
Product Code: B20801
Pepper12 Light BTL
Product Code: B20803
Pepper12 Light BTL
Product Code: B20799
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Pepper12 BTL
Product Code: B51647
Pepper12 BTL
Product Code: B51649
Pepper12 BTL
Product Code: B51653
Pepper12 BTL
Product Code: B51651
Pepper12 BTL
Product Code: B20806
Pepper12 BTL
Product Code: B20808
Pepper12 BTL
Product Code: B20804
Pepper12 BTL
Product Code: B51648
Pepper12 BTL
Product Code: B51650
Pepper12 BTL
Product Code: B51654
Pepper12 BTL
Product Code: B51652
Pepper12 BTL
Product Code: B20807
Pepper12 BTL
Product Code: B20809
Pepper12 BTL
Product Code: B20805
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
Cashback All single dwelling BTL Remortgages come with £350 Cashback as standard
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Buy to Let HMO
Pepper48 LightSuitable for customers: with no Default in the last 48 months never had a CCJ
Suitable for customers: with no Default in the last 48 months never had a CCJ
Pepper48 Light HMO
Product Code: IH50233
Pepper48 Light HMO
Product Code: IH50234
Pepper48 Light HMO
Product Code: IH50231
Pepper48 Light HMO
Product Code: IH50229
Pepper48 Light HMO
Product Code: IH20187
Pepper48 Light HMO
Product Code: IH20189
Pepper48 Light HMO
Product Code: IH20185
Pepper48 Light HMO
Product Code: IH50235
Pepper48 Light HMO
Product Code: IH50232
Pepper48 Light HMO
Product Code: IH50230
Pepper48 Light HMO
Product Code: IH20188
Pepper48 Light HMO
Product Code: IH20190
Pepper48 Light HMO
Product Code: IH20186
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper48Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Suitable for customers: with no Default in the last 48 months no CCJ in the last 48 months
Pepper48 HMO
Product Code: IH50240
Pepper48 HMO
Product Code: IH50241
Pepper48 HMO
Product Code: IH50238
Pepper48 HMO
Product Code: IH50236
Pepper48 HMO
Product Code: IH20193
Pepper48 HMO
Product Code: IH20195
Pepper48 HMO
Product Code: IH20191
Pepper48 HMO
Product Code: IH50242
Pepper48 HMO
Product Code: IH50239
Pepper48 HMO
Product Code: IH50237
Pepper48 HMO
Product Code: IH20194
Pepper48 HMO
Product Code: IH20196
Pepper48 HMO
Product Code: IH20192
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 48 months |
| Default: | None or 0 registered in 48 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 48 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36 LightSuitable for customers: with no Default in the last 36 months never had a CCJ
Suitable for customers: with no Default in the last 36 months never had a CCJ
Pepper36 Light HMO
Product Code: IH50247
Pepper36 Light HMO
Product Code: IH50248
Pepper36 Light HMO
Product Code: IH50245
Pepper36 Light HMO
Product Code: IH50243
Pepper36 Light HMO
Product Code: IH20199
Pepper36 Light HMO
Product Code: IH20201
Pepper36 Light HMO
Product Code: IH20197
Pepper36 Light HMO
Product Code: IH50249
Pepper36 Light HMO
Product Code: IH50246
Pepper36 Light HMO
Product Code: IH50244
Pepper36 Light HMO
Product Code: IH20200
Pepper36 Light HMO
Product Code: IH20202
Pepper36 Light HMO
Product Code: IH20198
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper36Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Suitable for customers: with no Default in the last 36 months no CCJ in the last 36 months
Pepper36 HMO
Product Code: IH50254
Pepper36 HMO
Product Code: IH50255
Pepper36 HMO
Product Code: IH50252
Pepper36 HMO
Product Code: IH50250
Pepper36 HMO
Product Code: IH20205
Pepper36 HMO
Product Code: IH20207
Pepper36 HMO
Product Code: IH20203
Pepper36 HMO
Product Code: IH50256
Pepper36 HMO
Product Code: IH50253
Pepper36 HMO
Product Code: IH50251
Pepper36 HMO
Product Code: IH20206
Pepper36 HMO
Product Code: IH20208
Pepper36 HMO
Product Code: IH20204
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 36 months |
| Default: | 0 registered in 36 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 36 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24 LightSuitable for customers: with no Default in the last 24 months never had a CCJ
Suitable for customers: with no Default in the last 24 months never had a CCJ
Pepper24 Light HMO
Product Code: IH50261
Pepper24 Light HMO
Product Code: IH50262
Pepper24 Light HMO
Product Code: IH50259
Pepper24 Light HMO
Product Code: IH50257
Pepper24 Light HMO
Product Code: IH20211
Pepper24 Light HMO
Product Code: IH20213
Pepper24 Light HMO
Product Code: IH20209
Pepper24 Light HMO
Product Code: IH50263
Pepper24 Light HMO
Product Code: IH50260
Pepper24 Light HMO
Product Code: IH50258
Pepper24 Light HMO
Product Code: IH20212
Pepper24 Light HMO
Product Code: IH20214
Pepper24 Light HMO
Product Code: IH20210
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper24Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Suitable for customers: with no Default in the last 24 months no CCJ in the last 24 months
Pepper24 HMO
Product Code: IH50268
Pepper24 HMO
Product Code: IH50269
Pepper24 HMO
Product Code: IH50266
Pepper24 HMO
Product Code: IH50264
Pepper24 HMO
Product Code: IH20217
Pepper24 HMO
Product Code: IH20219
Pepper24 HMO
Product Code: IH20215
Pepper24 HMO
Product Code: IH50270
Pepper24 HMO
Product Code: IH50267
Pepper24 HMO
Product Code: IH50265
Pepper24 HMO
Product Code: IH20218
Pepper24 HMO
Product Code: IH20220
Pepper24 HMO
Product Code: IH20216
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 24 months |
| Default: | 0 registered in 24 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 24 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18 LightSuitable for customers: with no Default in the last 18 months never had a CCJ
Suitable for customers: with no Default in the last 18 months never had a CCJ
Pepper18 Light HMO
Product Code: IH50275
Pepper18 Light HMO
Product Code: IH50276
Pepper18 Light HMO
Product Code: IH50273
Pepper18 Light HMO
Product Code: IH50271
Pepper18 Light HMO
Product Code: IH20223
Pepper18 Light HMO
Product Code: IH20225
Pepper18 Light HMO
Product Code: IH20221
Pepper18 Light HMO
Product Code: IH50277
Pepper18 Light HMO
Product Code: IH50274
Pepper18 Light HMO
Product Code: IH50272
Pepper18 Light HMO
Product Code: IH20224
Pepper18 Light HMO
Product Code: IH20226
Pepper18 Light HMO
Product Code: IH20222
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper18Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Suitable for customers: with no Default in the last 18 months no CCJ in the last 18 months
Pepper18 HMO
Product Code: IH50282
Pepper18 HMO
Product Code: IH50283
Pepper18 HMO
Product Code: IH50280
Pepper18 HMO
Product Code: IH50278
Pepper18 HMO
Product Code: IH20229
Pepper18 HMO
Product Code: IH20231
Pepper18 HMO
Product Code: IH20227
Pepper18 HMO
Product Code: IH50284
Pepper18 HMO
Product Code: IH50281
Pepper18 HMO
Product Code: IH50279
Pepper18 HMO
Product Code: IH20230
Pepper18 HMO
Product Code: IH20232
Pepper18 HMO
Product Code: IH20228
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 18 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 18 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12 LightSuitable for customers: with no Default in the last 12 months never had a CCJ
Suitable for customers: with no Default in the last 12 months never had a CCJ
Pepper12 Light HMO
Product Code: IH50289
Pepper12 Light HMO
Product Code: IH50290
Pepper12 Light HMO
Product Code: IH50287
Pepper12 Light HMO
Product Code: IH50285
Pepper12 Light HMO
Product Code: IH20235
Pepper12 Light HMO
Product Code: IH20237
Pepper12 Light HMO
Product Code: IH20233
Pepper12 Light HMO
Product Code: IH50291
Pepper12 Light HMO
Product Code: IH50288
Pepper12 Light HMO
Product Code: IH50286
Pepper12 Light HMO
Product Code: IH20236
Pepper12 Light HMO
Product Code: IH20238
Pepper12 Light HMO
Product Code: IH20234
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | None |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Pepper12Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Suitable for customers: with no Default in the last 12 months no CCJ in the last 12 months
Pepper12 HMO
Product Code: IH50296
Pepper12 HMO
Product Code: IH50297
Pepper12 HMO
Product Code: IH50294
Pepper12 HMO
Product Code: IH50292
Pepper12 HMO
Product Code: IH20241
Pepper12 HMO
Product Code: IH20243
Pepper12 HMO
Product Code: IH20239
Pepper12 HMO
Product Code: IH50298
Pepper12 HMO
Product Code: IH50295
Pepper12 HMO
Product Code: IH50293
Pepper12 HMO
Product Code: IH20242
Pepper12 HMO
Product Code: IH20244
Pepper12 HMO
Product Code: IH20240
Application fee = £150
Fees **Loans up to and including £300,000 carry a fee of £1,995. Loans above £300,000 carry a fee of £2,995.
| Credit Criteria | |
|---|---|
| CCJs: | 0 registered in 12 months |
| Default: | 0 registered in 12 months |
| CCJ/Default Value: | No limit |
| Secured Missed Payments: | 0 in 12 months (No arrears balance in last 6 months) |
| Bankruptcy/IVA: | Discharged > 6 years ago |
| Repossessions: | None in last 6 years |
| Debt Management Plan: | Considered if satisfied over 12 months ago |
Buy to Let Criteria
| Applicant Details | |
|---|---|
| Minimum Age | 21 years |
| Maximum Age | 85 years at end of term |
| Maximum Applicants | 2 |
| Employed | Minimum of 3 months in current job with 6 months' continuous employment and not in probation. |
| Self-Employed | Must have been in their current business for a minimum of 12 months |
| Loan Size | |
|---|---|
| Loan Size | |
| Minimum | £25,001 |
| Maximum | For Buy to Let: The maximum loan size is £2 million within the following LTV limits:
For BTL HMO: The maximum loan size is £1 million within the following LTV limits:
|
| Repayment | |
| Repayment | Capital & Interest; Interest Only |
| Property Value | |
| Minimum | For Buy to Let: £70,000. For BTL HMO: £100,000. |
| Term | |
| Minimum | 5 years and 1 month |
| Maximum | 35 years |
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