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
- January 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: L51182
Pepper48 Light Ltd Co BTL
Product Code: L51184
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51179
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51187
Pepper48 Light Ltd Co BTL
Product Code: L20375
Pepper48 Light Ltd Co BTL
Product Code: L20378
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L20381
Pepper48 Light Ltd Co BTL
Product Code: L51183
Pepper48 Light Ltd Co BTL
Product Code: L51185
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51180
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51188
Pepper48 Light Ltd Co BTL
Product Code: L20376
Pepper48 Light Ltd Co BTL
Product Code: L20379
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L20382
Pepper48 Light Ltd Co BTL
Product Code: L51186
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51181
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L51189
Pepper48 Light Ltd Co BTL
Product Code: L20377
Pepper48 Light Ltd Co BTL
Product Code: L20380
Pepper48 Light Ltd Co BTL
Free Valuation
Product Code: L20383
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: L51193
Pepper48 Ltd Co BTL
Product Code: L51195
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51190
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51198
Pepper48 Ltd Co BTL
Product Code: L20384
Pepper48 Ltd Co BTL
Product Code: L20387
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L20390
Pepper48 Ltd Co BTL
Product Code: L51194
Pepper48 Ltd Co BTL
Product Code: L51196
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51191
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51199
Pepper48 Ltd Co BTL
Product Code: L20385
Pepper48 Ltd Co BTL
Product Code: L20388
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L20391
Pepper48 Ltd Co BTL
Product Code: L51197
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51192
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L51200
Pepper48 Ltd Co BTL
Product Code: L20386
Pepper48 Ltd Co BTL
Product Code: L20389
Pepper48 Ltd Co BTL
Free Valuation
Product Code: L20392
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: L51204
Pepper36 Light Ltd Co BTL
Product Code: L51206
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51201
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51209
Pepper36 Light Ltd Co BTL
Product Code: L20393
Pepper36 Light Ltd Co BTL
Product Code: L20396
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L20399
Pepper36 Light Ltd Co BTL
Product Code: L51205
Pepper36 Light Ltd Co BTL
Product Code: L51207
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51202
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51210
Pepper36 Light Ltd Co BTL
Product Code: L20394
Pepper36 Light Ltd Co BTL
Product Code: L20397
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L20400
Pepper36 Light Ltd Co BTL
Product Code: L51208
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51203
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L51211
Pepper36 Light Ltd Co BTL
Product Code: L20395
Pepper36 Light Ltd Co BTL
Product Code: L20398
Pepper36 Light Ltd Co BTL
Free Valuation
Product Code: L20401
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: L51215
Pepper36 Ltd Co BTL
Product Code: L51217
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51212
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51220
Pepper36 Ltd Co BTL
Product Code: L20402
Pepper36 Ltd Co BTL
Product Code: L20405
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L20408
Pepper36 Ltd Co BTL
Product Code: L51216
Pepper36 Ltd Co BTL
Product Code: L51218
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51213
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51221
Pepper36 Ltd Co BTL
Product Code: L20403
Pepper36 Ltd Co BTL
Product Code: L20406
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L20409
Pepper36 Ltd Co BTL
Product Code: L51219
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51214
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L51222
Pepper36 Ltd Co BTL
Product Code: L20404
Pepper36 Ltd Co BTL
Product Code: L20407
Pepper36 Ltd Co BTL
Free Valuation
Product Code: L20410
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: L51029
Pepper24 Light Ltd Co BTL
Product Code: L51031
Pepper24 Light Ltd Co BTL
Product Code: L51027
Pepper24 Light Ltd Co BTL
Product Code: L51033
Pepper24 Light Ltd Co BTL
Product Code: L20278
Pepper24 Light Ltd Co BTL
Product Code: L20280
Pepper24 Light Ltd Co BTL
Product Code: L20282
Pepper24 Light Ltd Co BTL
Product Code: L51030
Pepper24 Light Ltd Co BTL
Product Code: L51032
Pepper24 Light Ltd Co BTL
Product Code: L51028
Pepper24 Light Ltd Co BTL
Product Code: L51034
Pepper24 Light Ltd Co BTL
Product Code: L20279
Pepper24 Light Ltd Co BTL
Product Code: L20281
Pepper24 Light Ltd Co BTL
Product Code: L20283
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: L51037
Pepper24 Ltd Co BTL
Product Code: L51039
Pepper24 Ltd Co BTL
Product Code: L51035
Pepper24 Ltd Co BTL
Product Code: L51041
Pepper24 Ltd Co BTL
Product Code: L20284
Pepper24 Ltd Co BTL
Product Code: L20286
Pepper24 Ltd Co BTL
Product Code: L20288
Pepper24 Ltd Co BTL
Product Code: L51038
Pepper24 Ltd Co BTL
Product Code: L51040
Pepper24 Ltd Co BTL
Product Code: L51036
Pepper24 Ltd Co BTL
Product Code: L51042
Pepper24 Ltd Co BTL
Product Code: L20285
Pepper24 Ltd Co BTL
Product Code: L20287
Pepper24 Ltd Co BTL
Product Code: L20289
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: L51043
Pepper18 Light Ltd Co BTL
Product Code: L51045
Pepper18 Light Ltd Co BTL
Product Code: L51049
Pepper18 Light Ltd Co BTL
Product Code: L51047
Pepper18 Light Ltd Co BTL
Product Code: L20290
Pepper18 Light Ltd Co BTL
Product Code: L20292
Pepper18 Light Ltd Co BTL
Product Code: L20294
Pepper18 Light Ltd Co BTL
Product Code: L51044
Pepper18 Light Ltd Co BTL
Product Code: L51046
Pepper18 Light Ltd Co BTL
Product Code: L51050
Pepper18 Light Ltd Co BTL
Product Code: L51048
Pepper18 Light Ltd Co BTL
Product Code: L20291
Pepper18 Light Ltd Co BTL
Product Code: L20293
Pepper18 Light Ltd Co BTL
Product Code: L20295
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: L51051
Pepper18 Ltd Co BTL
Product Code: L51053
Pepper18 Ltd Co BTL
Product Code: L51057
Pepper18 Ltd Co BTL
Product Code: L51055
Pepper18 Ltd Co BTL
Product Code: L20296
Pepper18 Ltd Co BTL
Product Code: L20298
Pepper18 Ltd Co BTL
Product Code: L20300
Pepper18 Ltd Co BTL
Product Code: L51052
Pepper18 Ltd Co BTL
Product Code: L51054
Pepper18 Ltd Co BTL
Product Code: L51058
Pepper18 Ltd Co BTL
Product Code: L51056
Pepper18 Ltd Co BTL
Product Code: L20297
Pepper18 Ltd Co BTL
Product Code: L20299
Pepper18 Ltd Co BTL
Product Code: L20301
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: L51059
Pepper12 Light Ltd Co BTL
Product Code: L51061
Pepper12 Light Ltd Co BTL
Product Code: L51065
Pepper12 Light Ltd Co BTL
Product Code: L51063
Pepper12 Light Ltd Co BTL
Product Code: L20304
Pepper12 Light Ltd Co BTL
Product Code: L20306
Pepper12 Light Ltd Co BTL
Product Code: L20302
Pepper12 Light Ltd Co BTL
Product Code: L51060
Pepper12 Light Ltd Co BTL
Product Code: L51062
Pepper12 Light Ltd Co BTL
Product Code: L51066
Pepper12 Light Ltd Co BTL
Product Code: L51064
Pepper12 Light Ltd Co BTL
Product Code: L20305
Pepper12 Light Ltd Co BTL
Product Code: L20307
Pepper12 Light Ltd Co BTL
Product Code: L20303
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: L51067
Pepper12 Ltd Co BTL
Product Code: L51069
Pepper12 Ltd Co BTL
Product Code: L51073
Pepper12 Ltd Co BTL
Product Code: L51071
Pepper12 Ltd Co BTL
Product Code: L20310
Pepper12 Ltd Co BTL
Product Code: L20312
Pepper12 Ltd Co BTL
Product Code: L20308
Pepper12 Ltd Co BTL
Product Code: L51068
Pepper12 Ltd Co BTL
Product Code: L51070
Pepper12 Ltd Co BTL
Product Code: L51074
Pepper12 Ltd Co BTL
Product Code: L51072
Pepper12 Ltd Co BTL
Product Code: L20311
Pepper12 Ltd Co BTL
Product Code: L20313
Pepper12 Ltd Co BTL
Product Code: L20309
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: LH50135
Pepper48 Light Ltd Co HMO
Product Code: LH50136
Pepper48 Light Ltd Co HMO
Product Code: LH50133
Pepper48 Light Ltd Co HMO
Product Code: LH50131
Pepper48 Light Ltd Co HMO
Product Code: LH20103
Pepper48 Light Ltd Co HMO
Product Code: LH20105
Pepper48 Light Ltd Co HMO
Product Code: LH20101
Pepper48 Light Ltd Co HMO
Product Code: LH50137
Pepper48 Light Ltd Co HMO
Product Code: LH50134
Pepper48 Light Ltd Co HMO
Product Code: LH50132
Pepper48 Light Ltd Co HMO
Product Code: LH20104
Pepper48 Light Ltd Co HMO
Product Code: LH20106
Pepper48 Light Ltd Co HMO
Product Code: LH20102
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: LH50142
Pepper48 Ltd Co HMO
Product Code: LH50143
Pepper48 Ltd Co HMO
Product Code: LH50140
Pepper48 Ltd Co HMO
Product Code: LH50138
Pepper48 Ltd Co HMO
Product Code: LH20109
Pepper48 Ltd Co HMO
Product Code: LH20111
Pepper48 Ltd Co HMO
Product Code: LH20107
Pepper48 Ltd Co HMO
Product Code: LH50144
Pepper48 Ltd Co HMO
Product Code: LH50141
Pepper48 Ltd Co HMO
Product Code: LH50139
Pepper48 Ltd Co HMO
Product Code: LH20110
Pepper48 Ltd Co HMO
Product Code: LH20112
Pepper48 Ltd Co HMO
Product Code: LH20108
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: LH50149
Pepper36 Light Ltd Co HMO
Product Code: LH50150
Pepper36 Light Ltd Co HMO
Product Code: LH50147
Pepper36 Light Ltd Co HMO
Product Code: LH50145
Pepper36 Light Ltd Co HMO
Product Code: LH20115
Pepper36 Light Ltd Co HMO
Product Code: LH20117
Pepper36 Light Ltd Co HMO
Product Code: LH20113
Pepper36 Light Ltd Co HMO
Product Code: LH50151
Pepper36 Light Ltd Co HMO
Product Code: LH50148
Pepper36 Light Ltd Co HMO
Product Code: LH50146
Pepper36 Light Ltd Co HMO
Product Code: LH20116
Pepper36 Light Ltd Co HMO
Product Code: LH20118
Pepper36 Light Ltd Co HMO
Product Code: LH20114
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: LH50156
Pepper36 Ltd Co HMO
Product Code: LH50157
Pepper36 Ltd Co HMO
Product Code: LH50154
Pepper36 Ltd Co HMO
Product Code: LH50152
Pepper36 Ltd Co HMO
Product Code: LH20121
Pepper36 Ltd Co HMO
Product Code: LH20123
Pepper36 Ltd Co HMO
Product Code: LH20119
Pepper36 Ltd Co HMO
Product Code: LH50158
Pepper36 Ltd Co HMO
Product Code: LH50155
Pepper36 Ltd Co HMO
Product Code: LH50153
Pepper36 Ltd Co HMO
Product Code: LH20122
Pepper36 Ltd Co HMO
Product Code: LH20124
Pepper36 Ltd Co HMO
Product Code: LH20120
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: LH50093
Pepper24 Light Ltd Co HMO
Product Code: LH50094
Pepper24 Light Ltd Co HMO
Product Code: LH50091
Pepper24 Light Ltd Co HMO
Product Code: LH50089
Pepper24 Light Ltd Co HMO
Product Code: LH20067
Pepper24 Light Ltd Co HMO
Product Code: LH20069
Pepper24 Light Ltd Co HMO
Product Code: LH20065
Pepper24 Light Ltd Co HMO
Product Code: LH50095
Pepper24 Light Ltd Co HMO
Product Code: LH50092
Pepper24 Light Ltd Co HMO
Product Code: LH50090
Pepper24 Light Ltd Co HMO
Product Code: LH20068
Pepper24 Light Ltd Co HMO
Product Code: LH20070
Pepper24 Light Ltd Co HMO
Product Code: LH20066
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: LH50100
Pepper24 Ltd Co HMO
Product Code: LH50101
Pepper24 Ltd Co HMO
Product Code: LH50098
Pepper24 Ltd Co HMO
Product Code: LH50096
Pepper24 Ltd Co HMO
Product Code: LH20073
Pepper24 Ltd Co HMO
Product Code: LH20075
Pepper24 Ltd Co HMO
Product Code: LH20071
Pepper24 Ltd Co HMO
Product Code: LH50102
Pepper24 Ltd Co HMO
Product Code: LH50099
Pepper24 Ltd Co HMO
Product Code: LH50097
Pepper24 Ltd Co HMO
Product Code: LH20074
Pepper24 Ltd Co HMO
Product Code: LH20076
Pepper24 Ltd Co HMO
Product Code: LH20072
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: LH50107
Pepper18 Light Ltd Co HMO
Product Code: LH50108
Pepper18 Light Ltd Co HMO
Product Code: LH50105
Pepper18 Light Ltd Co HMO
Product Code: LH50103
Pepper18 Light Ltd Co HMO
Product Code: LH20079
Pepper18 Light Ltd Co HMO
Product Code: LH20081
Pepper18 Light Ltd Co HMO
Product Code: LH20077
Pepper18 Light Ltd Co HMO
Product Code: LH50109
Pepper18 Light Ltd Co HMO
Product Code: LH50106
Pepper18 Light Ltd Co HMO
Product Code: LH50104
Pepper18 Light Ltd Co HMO
Product Code: LH20080
Pepper18 Light Ltd Co HMO
Product Code: LH20082
Pepper18 Light Ltd Co HMO
Product Code: LH20078
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: LH50114
Pepper18 Ltd Co HMO
Product Code: LH50115
Pepper18 Ltd Co HMO
Product Code: LH50112
Pepper18 Ltd Co HMO
Product Code: LH50110
Pepper18 Ltd Co HMO
Product Code: LH20085
Pepper18 Ltd Co HMO
Product Code: LH20087
Pepper18 Ltd Co HMO
Product Code: LH20083
Pepper18 Ltd Co HMO
Product Code: LH50116
Pepper18 Ltd Co HMO
Product Code: LH50113
Pepper18 Ltd Co HMO
Product Code: LH50111
Pepper18 Ltd Co HMO
Product Code: LH20086
Pepper18 Ltd Co HMO
Product Code: LH20088
Pepper18 Ltd Co HMO
Product Code: LH20084
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: LH50121
Pepper12 Light Ltd Co HMO
Product Code: LH50122
Pepper12 Light Ltd Co HMO
Product Code: LH50119
Pepper12 Light Ltd Co HMO
Product Code: LH50117
Pepper12 Light Ltd Co HMO
Product Code: LH20091
Pepper12 Light Ltd Co HMO
Product Code: LH20093
Pepper12 Light Ltd Co HMO
Product Code: LH20089
Pepper12 Light Ltd Co HMO
Product Code: LH50123
Pepper12 Light Ltd Co HMO
Product Code: LH50120
Pepper12 Light Ltd Co HMO
Product Code: LH50118
Pepper12 Light Ltd Co HMO
Product Code: LH20092
Pepper12 Light Ltd Co HMO
Product Code: LH20094
Pepper12 Light Ltd Co HMO
Product Code: LH20090
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: LH50128
Pepper12 Ltd Co HMO
Product Code: LH50129
Pepper12 Ltd Co HMO
Product Code: LH50126
Pepper12 Ltd Co HMO
Product Code: LH50124
Pepper12 Ltd Co HMO
Product Code: LH20097
Pepper12 Ltd Co HMO
Product Code: LH20099
Pepper12 Ltd Co HMO
Product Code: LH20095
Pepper12 Ltd Co HMO
Product Code: LH50130
Pepper12 Ltd Co HMO
Product Code: LH50127
Pepper12 Ltd Co HMO
Product Code: LH50125
Pepper12 Ltd Co HMO
Product Code: LH20098
Pepper12 Ltd Co HMO
Product Code: LH20100
Pepper12 Ltd Co HMO
Product Code: LH20096
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
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.
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