Brokers, say

Bye To Less

with our simpler approach to smaller-portfolio BTL

Less rigidity than high street lenders. Less process complexity than specialist providers.
Our flexible approach makes smaller-portfolio landlord cases a lot less like hard work.

Bye To Less
prioritisations

Some cases fall foul of strict high street criteria or become lost in the process complexity of specialists. That makes them a natural fit for Pepper, where we take a simpler, more efficient approach.

Bye To Less
flexibility
Pepper offers capital raising for any legal purpose up to 80% LTV, market-rent affordability and no minimum income or income evidence requirement. We’re all for maximising your borrowing power with no unnecessary barriers.
Bye To Less support
Manual underwriting, minimal paperwork and no portfolio stress tests put your cases on fast-forward. Perfect when you want to work with pace and confidence.

Our approach to smaller-portfolio BTL suits brokers who

sometimes deal with landlords owning between up to ten properties
often find cases caught between the rigid borrowing criteria of the high street and the process complexity of specialist lenders
crave simplicity and flexibility, alongside a helpful, practical approach that prioritises their clients’ needs
want a reliable, go-to lender with consistently competitive rates.

Resources

Buy to Let and guides