Pepper money

This product is currently unavailable

We are not offering Buy to Let or Ltd Company Buy to Let Mortgage products at the moment.

Buy to Let Mortgages

It’s our mission to help you succeed as a private landlord

We provide Buy to Let mortgages to private landlords looking to grow their property portfolios or remortgage an existing property. We can also help if you’re a current homeowner looking to start with your first Buy to Let property. 

20% Deposit

Buy to Let mortgages available with as little as 20% deposit

Minimum Income

Minimum Income of £15,000 or £25,000 for a First Time Landlord per application

Interest Cover Ratio

Interest cover ratio at 140% of pay rate on 5-year fixed products

Higher Rate Taxpayers

If you're a higher rate taxpayer, we don't penalise you with higher costs

Raise Capital

Raise capital to consolidate existing debts

Credit Scoring

Credit scoring isn't used to make lending decisions


Our customers think we are Excellent

with more than 1000 customer reviews

I'm interested in getting a mortgage

Unlike high street lenders, Pepper Money has a dedicated team that looks at each mortgage application on its own merits. We have a positive lending attitude to help people succeed.   

Past mistakes shouldn’t get in the way of the next chapter. If you’re looking for a mortgage lender that doesn’t just rely on automated systems, you’ve come to the right place.

Our Buy to let mortgages are only available through mortgage advisers, so if you’re interested in getting a mortgage with us, click on the link below.

Looking to secure a mortgage with Pepper Money?

Here are the steps you’ll take in your mortgage journey


Find an adviser

As we don’t offer mortgages directly, you can find an adviser to help with your requirements here. They will have a chat with you and be able to recommend the best mortgage option for your unique needs, even if that’s not us; we’ll be pleased to have pointed you in the right direction on your journey!


Submit a Decision in Principle

Once you’re happy with your adviser’s lender recommendation of Pepper Money, they’ll go about securing your DIP (Decision in Principle) with us.  A DIP is an agreement that we’ll lend you the money required for your mortgage if the information your broker has provided is correct and the valuation of the property is successful. 


Place your offer on the property

After you’ve secured a DIP, you’ll be in a much better position to make an offer on the property of choice. Why? A DIP illustrates that you can afford to purchase the property in principle at least. When you’re offering, a DIP helps to demonstrate that you’re serious about completing the purchase and will help you stand out against any other potential buyers who are yet to go through this process.  


Pre-Application and Submission to Pepper Money

Once your offer is accepted, your broker will request all of the documents that they need to submit to us. Then, after you’ve shared all of the documents, your adviser will submit your Full Mortgage Application (FMA) to us.  


Underwriting and Valuation

We’ll take it from here. Your application will be in our online portal, and our dedicated Case Management team will be reviewing your application.  This review will enable us to verify that the information you’ve provided is correct and review all your documents to ensure that you’re able to meet your repayments on the proposed mortgage. Plus, your adviser can also instruct a valuation on the property you want to buy to make sure there are no significant problems. 


Formal mortgage offer

Once our team has completed their assessment and they are happy with everything they’ve found, they’ll send you and your adviser a mortgage offer. 



After you’ve accepted your mortgage offer, this is where your solicitors come in, and we move into the conveyancing part of the process. Your solicitor will draw up contracts and organise the legal purchase of the property. At this time, you’ll also need to arrange buildings insurance, ensuring it’s in place from the exchange. 



You’ve made it. The final part of the process is here. Your solicitor will exchange contracts with the seller’s solicitor. Any deposit you are putting in will be added to the transaction at this stage too.



Your purchase will officially complete when the money is transferred to the seller on an agreed-upon date. On this date, you’ll get the keys to your new home!

I'm an existing customer

If you have a mortgage with Pepper Money, and have any questions regarding your loan, get in touch with us to see if we can help.

Frequently asked questions

At Pepper Money, we’re ready to challenge convention, read between the lines and see the story behind the numbers.

Getting a mortgage with late payments on credit report - Pepper Money

Thinking about applying?

We have the answers we often get asked by potential applicants.

Application in process?

Read our FAQ's in you're in the process of applying for a mortgage.

Got a mortgage with us?

If you have a mortgage with Pepper Money, we have all you need to know.

Find a Mortgage Broker

Our products are only available through mortgage advisors. Find a mortgage broker that we recommend today.