Limited Company Buy to Let
Helping you to succeed
If your customer is looking to grow their portfolio by purchasing their next property under a limited company structure or is already operating a special purpose vehicle (SPV), our diverse range has been created to meet the needs of Limited Company investors.
Our product range is structured around your customer’s most recent financial event 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% standard Ltd Co, 140% for Ltd Co HMOs. 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
Limited Buy to Let Mortgage Product Rates and Criteria
- For Intermediary use only
- February 2026
- LMR = 4.25% (As of 15th January 2026)
Limited Company 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 Ltd Co BTL
Product Code: L51274
Pepper48 Light Ltd Co BTL
Product Code: L51276
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51271
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51279
Pepper48 Light Ltd Co BTL
Product Code: L20439
Pepper48 Light Ltd Co BTL
Product Code: L20442
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L20445
Pepper48 Light Ltd Co BTL
Product Code: L51275
Pepper48 Light Ltd Co BTL
Product Code: L51277
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51272
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51280
Pepper48 Light Ltd Co BTL
Product Code: L20440
Pepper48 Light Ltd Co BTL
Product Code: L20443
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L20446
Pepper48 Light Ltd Co BTL
Product Code: L51278
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51273
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51281
Pepper48 Light Ltd Co BTL
Product Code: L20441
Pepper48 Light Ltd Co BTL
Product Code: L20444
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L20447
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 Ltd Co BTL
Product Code: L51285
Pepper48 Ltd Co BTL
Product Code: L51287
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51282
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51290
Pepper48 Ltd Co BTL
Product Code: L20448
Pepper48 Ltd Co BTL
Product Code: L20451
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L20454
Pepper48 Ltd Co BTL
Product Code: L51286
Pepper48 Ltd Co BTL
Product Code: L51288
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51283
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51291
Pepper48 Ltd Co BTL
Product Code: L20449
Pepper48 Ltd Co BTL
Product Code: L20452
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L20455
Pepper48 Ltd Co BTL
Product Code: L51289
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51284
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51292
Pepper48 Ltd Co BTL
Product Code: L20450
Pepper48 Ltd Co BTL
Product Code: L20453
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L20456
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 Ltd Co BTL
Product Code: L51320
Pepper36 Light Ltd Co BTL
Product Code: L51322
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51317
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51325
Pepper36 Light Ltd Co BTL
Product Code: L20471
Pepper36 Light Ltd Co BTL
Product Code: L20474
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L20477
Pepper36 Light Ltd Co BTL
Product Code: L51321
Pepper36 Light Ltd Co BTL
Product Code: L51323
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51318
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51326
Pepper36 Light Ltd Co BTL
Product Code: L20472
Pepper36 Light Ltd Co BTL
Product Code: L20475
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L20478
Pepper36 Light Ltd Co BTL
Product Code: L51324
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51319
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51327
Pepper36 Light Ltd Co BTL
Product Code: L20473
Pepper36 Light Ltd Co BTL
Product Code: L20476
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L20479
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 Ltd Co BTL
Product Code: L51331
Pepper36 Ltd Co BTL
Product Code: L51333
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51328
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51336
Pepper36 Ltd Co BTL
Product Code: L20480
Pepper36 Ltd Co BTL
Product Code: L20483
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L20486
Pepper36 Ltd Co BTL
Product Code: L51332
Pepper36 Ltd Co BTL
Product Code: L51334
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51329
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51337
Pepper36 Ltd Co BTL
Product Code: L20481
Pepper36 Ltd Co BTL
Product Code: L20484
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L20487
Pepper36 Ltd Co BTL
Product Code: L51335
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51330
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51338
Pepper36 Ltd Co BTL
Product Code: L20482
Pepper36 Ltd Co BTL
Product Code: L20485
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L20488
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 Ltd Co BTL
Product Code: L51365
Pepper24 Light Ltd Co BTL
Product Code: L51367
Pepper24 Light Ltd Co BTL
Product Code: L51363
Pepper24 Light Ltd Co BTL
Product Code: L51369
Pepper24 Light Ltd Co BTL
Product Code: L20503
Pepper24 Light Ltd Co BTL
Product Code: L20505
Pepper24 Light Ltd Co BTL
Product Code: L20507
Pepper24 Light Ltd Co BTL
Product Code: L51366
Pepper24 Light Ltd Co BTL
Product Code: L51368
Pepper24 Light Ltd Co BTL
Product Code: L51364
Pepper24 Light Ltd Co BTL
Product Code: L51370
Pepper24 Light Ltd Co BTL
Product Code: L20504
Pepper24 Light Ltd Co BTL
Product Code: L20506
Pepper24 Light Ltd Co BTL
Product Code: L20508
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 Ltd Co BTL
Product Code: L51373
Pepper24 Ltd Co BTL
Product Code: L51375
Pepper24 Ltd Co BTL
Product Code: L51371
Pepper24 Ltd Co BTL
Product Code: L51377
Pepper24 Ltd Co BTL
Product Code: L20509
Pepper24 Ltd Co BTL
Product Code: L20511
Pepper24 Ltd Co BTL
Product Code: L20513
Pepper24 Ltd Co BTL
Product Code: L51374
Pepper24 Ltd Co BTL
Product Code: L51376
Pepper24 Ltd Co BTL
Product Code: L51372
Pepper24 Ltd Co BTL
Product Code: L51378
Pepper24 Ltd Co BTL
Product Code: L20510
Pepper24 Ltd Co BTL
Product Code: L20512
Pepper24 Ltd Co BTL
Product Code: L20514
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 Ltd Co BTL
Product Code: L51387
Pepper18 Light Ltd Co BTL
Product Code: L51389
Pepper18 Light Ltd Co BTL
Product Code: L51393
Pepper18 Light Ltd Co BTL
Product Code: L51391
Pepper18 Light Ltd Co BTL
Product Code: L20521
Pepper18 Light Ltd Co BTL
Product Code: L20523
Pepper18 Light Ltd Co BTL
Product Code: L20525
Pepper18 Light Ltd Co BTL
Product Code: L51388
Pepper18 Light Ltd Co BTL
Product Code: L51390
Pepper18 Light Ltd Co BTL
Product Code: L51394
Pepper18 Light Ltd Co BTL
Product Code: L51392
Pepper18 Light Ltd Co BTL
Product Code: L20522
Pepper18 Light Ltd Co BTL
Product Code: L20524
Pepper18 Light Ltd Co BTL
Product Code: L20526
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 Ltd Co BTL
Product Code: L51395
Pepper18 Ltd Co BTL
Product Code: L51397
Pepper18 Ltd Co BTL
Product Code: L51401
Pepper18 Ltd Co BTL
Product Code: L51399
Pepper18 Ltd Co BTL
Product Code: L20527
Pepper18 Ltd Co BTL
Product Code: L20529
Pepper18 Ltd Co BTL
Product Code: L20531
Pepper18 Ltd Co BTL
Product Code: L51396
Pepper18 Ltd Co BTL
Product Code: L51398
Pepper18 Ltd Co BTL
Product Code: L51402
Pepper18 Ltd Co BTL
Product Code: L51400
Pepper18 Ltd Co BTL
Product Code: L20528
Pepper18 Ltd Co BTL
Product Code: L20530
Pepper18 Ltd Co BTL
Product Code: L20532
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 Ltd Co BTL
Product Code: L51411
Pepper12 Light Ltd Co BTL
Product Code: L51413
Pepper12 Light Ltd Co BTL
Product Code: L51417
Pepper12 Light Ltd Co BTL
Product Code: L51415
Pepper12 Light Ltd Co BTL
Product Code: L20541
Pepper12 Light Ltd Co BTL
Product Code: L20543
Pepper12 Light Ltd Co BTL
Product Code: L20539
Pepper12 Light Ltd Co BTL
Product Code: L51412
Pepper12 Light Ltd Co BTL
Product Code: L51414
Pepper12 Light Ltd Co BTL
Product Code: L51418
Pepper12 Light Ltd Co BTL
Product Code: L51416
Pepper12 Light Ltd Co BTL
Product Code: L20542
Pepper12 Light Ltd Co BTL
Product Code: L20544
Pepper12 Light Ltd Co BTL
Product Code: L20540
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 Ltd Co BTL
Product Code: L51419
Pepper12 Ltd Co BTL
Product Code: L51421
Pepper12 Ltd Co BTL
Product Code: L51425
Pepper12 Ltd Co BTL
Product Code: L51423
Pepper12 Ltd Co BTL
Product Code: L20547
Pepper12 Ltd Co BTL
Product Code: L20549
Pepper12 Ltd Co BTL
Product Code: L20545
Pepper12 Ltd Co BTL
Product Code: L51420
Pepper12 Ltd Co BTL
Product Code: L51422
Pepper12 Ltd Co BTL
Product Code: L51426
Pepper12 Ltd Co BTL
Product Code: L51424
Pepper12 Ltd Co BTL
Product Code: L20548
Pepper12 Ltd Co BTL
Product Code: L20550
Pepper12 Ltd Co BTL
Product Code: L20546
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 |
Limited Company Buy to Let HMO
Pepper48 Light Suitable 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 Ltd Co HMO
Product Code: LH50163
Pepper48 Light Ltd Co HMO
Product Code: LH50164
Pepper48 Light Ltd Co HMO
Product Code: LH50161
Pepper48 Light Ltd Co HMO
Product Code: LH50159
Pepper48 Light Ltd Co HMO
Product Code: LH20127
Pepper48 Light Ltd Co HMO
Product Code: LH20129
Pepper48 Light Ltd Co HMO
Product Code: LH20125
Pepper48 Light Ltd Co HMO
Product Code: LH50165
Pepper48 Light Ltd Co HMO
Product Code: LH50162
Pepper48 Light Ltd Co HMO
Product Code: LH50160
Pepper48 Light Ltd Co HMO
Product Code: LH20128
Pepper48 Light Ltd Co HMO
Product Code: LH20130
Pepper48 Light Ltd Co HMO
Product Code: LH20126
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 |
Pepper48 Suitable 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 Ltd Co HMO
Product Code: LH50170
Pepper48 Ltd Co HMO
Product Code: LH50171
Pepper48 Ltd Co HMO
Product Code: LH50168
Pepper48 Ltd Co HMO
Product Code: LH50166
Pepper48 Ltd Co HMO
Product Code: LH20133
Pepper48 Ltd Co HMO
Product Code: LH20135
Pepper48 Ltd Co HMO
Product Code: LH20131
Pepper48 Ltd Co HMO
Product Code: LH50172
Pepper48 Ltd Co HMO
Product Code: LH50169
Pepper48 Ltd Co HMO
Product Code: LH50167
Pepper48 Ltd Co HMO
Product Code: LH20134
Pepper48 Ltd Co HMO
Product Code: LH20136
Pepper48 Ltd Co HMO
Product Code: LH20132
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 Ltd Co HMO
Product Code: LH50177
Pepper36 Light Ltd Co HMO
Product Code: LH50178
Pepper36 Light Ltd Co HMO
Product Code: LH50175
Pepper36 Light Ltd Co HMO
Product Code: LH50173
Pepper36 Light Ltd Co HMO
Product Code: LH20139
Pepper36 Light Ltd Co HMO
Product Code: LH20141
Pepper36 Light Ltd Co HMO
Product Code: LH20137
Pepper36 Light Ltd Co HMO
Product Code: LH50179
Pepper36 Light Ltd Co HMO
Product Code: LH50176
Pepper36 Light Ltd Co HMO
Product Code: LH50174
Pepper36 Light Ltd Co HMO
Product Code: LH20140
Pepper36 Light Ltd Co HMO
Product Code: LH20142
Pepper36 Light Ltd Co HMO
Product Code: LH20138
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 Ltd Co HMO
Product Code: LH50184
Pepper36 Ltd Co HMO
Product Code: LH50185
Pepper36 Ltd Co HMO
Product Code: LH50182
Pepper36 Ltd Co HMO
Product Code: LH50180
Pepper36 Ltd Co HMO
Product Code: LH20145
Pepper36 Ltd Co HMO
Product Code: LH20147
Pepper36 Ltd Co HMO
Product Code: LH20143
Pepper36 Ltd Co HMO
Product Code: LH50186
Pepper36 Ltd Co HMO
Product Code: LH50183
Pepper36 Ltd Co HMO
Product Code: LH50181
Pepper36 Ltd Co HMO
Product Code: LH20146
Pepper36 Ltd Co HMO
Product Code: LH20148
Pepper36 Ltd Co HMO
Product Code: LH20144
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 Ltd Co HMO
Product Code: LH50191
Pepper24 Light Ltd Co HMO
Product Code: LH50192
Pepper24 Light Ltd Co HMO
Product Code: LH50189
Pepper24 Light Ltd Co HMO
Product Code: LH50187
Pepper24 Light Ltd Co HMO
Product Code: LH20151
Pepper24 Light Ltd Co HMO
Product Code: LH20153
Pepper24 Light Ltd Co HMO
Product Code: LH20149
Pepper24 Light Ltd Co HMO
Product Code: LH50193
Pepper24 Light Ltd Co HMO
Product Code: LH50190
Pepper24 Light Ltd Co HMO
Product Code: LH50188
Pepper24 Light Ltd Co HMO
Product Code: LH20152
Pepper24 Light Ltd Co HMO
Product Code: LH20154
Pepper24 Light Ltd Co HMO
Product Code: LH20150
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 Ltd Co HMO
Product Code: LH50198
Pepper24 Ltd Co HMO
Product Code: LH50199
Pepper24 Ltd Co HMO
Product Code: LH50196
Pepper24 Ltd Co HMO
Product Code: LH50194
Pepper24 Ltd Co HMO
Product Code: LH20157
Pepper24 Ltd Co HMO
Product Code: LH20159
Pepper24 Ltd Co HMO
Product Code: LH20155
Pepper24 Ltd Co HMO
Product Code: LH50200
Pepper24 Ltd Co HMO
Product Code: LH50197
Pepper24 Ltd Co HMO
Product Code: LH50195
Pepper24 Ltd Co HMO
Product Code: LH20158
Pepper24 Ltd Co HMO
Product Code: LH20160
Pepper24 Ltd Co HMO
Product Code: LH20156
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 Ltd Co HMO
Product Code: LH50205
Pepper18 Light Ltd Co HMO
Product Code: LH50206
Pepper18 Light Ltd Co HMO
Product Code: LH50203
Pepper18 Light Ltd Co HMO
Product Code: LH50201
Pepper18 Light Ltd Co HMO
Product Code: LH20163
Pepper18 Light Ltd Co HMO
Product Code: LH20165
Pepper18 Light Ltd Co HMO
Product Code: LH20161
Pepper18 Light Ltd Co HMO
Product Code: LH50207
Pepper18 Light Ltd Co HMO
Product Code: LH50204
Pepper18 Light Ltd Co HMO
Product Code: LH50202
Pepper18 Light Ltd Co HMO
Product Code: LH20164
Pepper18 Light Ltd Co HMO
Product Code: LH20166
Pepper18 Light Ltd Co HMO
Product Code: LH20162
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 Ltd Co HMO
Product Code: LH50212
Pepper18 Ltd Co HMO
Product Code: LH50213
Pepper18 Ltd Co HMO
Product Code: LH50210
Pepper18 Ltd Co HMO
Product Code: LH50208
Pepper18 Ltd Co HMO
Product Code: LH20169
Pepper18 Ltd Co HMO
Product Code: LH20171
Pepper18 Ltd Co HMO
Product Code: LH20167
Pepper18 Ltd Co HMO
Product Code: LH50214
Pepper18 Ltd Co HMO
Product Code: LH50211
Pepper18 Ltd Co HMO
Product Code: LH50209
Pepper18 Ltd Co HMO
Product Code: LH20170
Pepper18 Ltd Co HMO
Product Code: LH20172
Pepper18 Ltd Co HMO
Product Code: LH20168
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 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 Ltd Co HMO
Product Code: LH50219
Pepper12 Light Ltd Co HMO
Product Code: LH50220
Pepper12 Light Ltd Co HMO
Product Code: LH50217
Pepper12 Light Ltd Co HMO
Product Code: LH50215
Pepper12 Light Ltd Co HMO
Product Code: LH20175
Pepper12 Light Ltd Co HMO
Product Code: LH20177
Pepper12 Light Ltd Co HMO
Product Code: LH20173
Pepper12 Light Ltd Co HMO
Product Code: LH50221
Pepper12 Light Ltd Co HMO
Product Code: LH50218
Pepper12 Light Ltd Co HMO
Product Code: LH50216
Pepper12 Light Ltd Co HMO
Product Code: LH20176
Pepper12 Light Ltd Co HMO
Product Code: LH20178
Pepper12 Light Ltd Co HMO
Product Code: LH20174
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 Ltd Co HMO
Product Code: LH50226
Pepper12 Ltd Co HMO
Product Code: LH50227
Pepper12 Ltd Co HMO
Product Code: LH50224
Pepper12 Ltd Co HMO
Product Code: LH50222
Pepper12 Ltd Co HMO
Product Code: LH20181
Pepper12 Ltd Co HMO
Product Code: LH20183
Pepper12 Ltd Co HMO
Product Code: LH20179
Pepper12 Ltd Co HMO
Product Code: LH50228
Pepper12 Ltd Co HMO
Product Code: LH50225
Pepper12 Ltd Co HMO
Product Code: LH50223
Pepper12 Ltd Co HMO
Product Code: LH20182
Pepper12 Ltd Co HMO
Product Code: LH20184
Pepper12 Ltd Co HMO
Product Code: LH20180
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 |
Limited Company Buy to Let Criteria
| Applicant Details | |
|---|---|
| Minimum Age | 21 years |
| Maximum Age | 85 years at end of term |
| Maximum Applicants | 4 |
| 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
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