Happy Holidays. Our Christmas Customer Service opening hours are: 19 – 23 December: 9am – 6pm  I  24 – 27 December: Office closed 

28 – 30 December: 9am – 6pm  31 December – 2 January: Office closed

Brokers/intermediaries please refer to our Broker portal for our Christmas servicing hours.

This product is currently unavailable

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

Our mortgages

Buy to Let Mortgage Products

We can help you place more private Buy to Let customers with competitive rates and fast application turnarounds. Whether your landlord customer is a first-time landlord, growing their portfolio, or are looking to raise capital on an existing property, we could help. Plus, as we don’t credit score and use a human approach to underwriting, your customer will often receive a fairer result and more generous lending decision.

Whether your landlord customer is a first-time landlord, growing their portfolio, or are looking to raise capital on an existing property, we could help. Our product range is structured around your customer’s most recent financial event including CCJs, defaults and secured missed payments.

Property portfolio

Unlimited property portfolio size

Up to 80% LTV

Available up to 80% LTV including on our Pepper 60 range

Credit Scoring

Credit scoring isn't used to make lending decisions

Borrow more

140% of pay rate on 5 year fixed for Private/Individual BTL irrespective of applicant tax band

Minimum income

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

Earned income

Earned income accepted to age 85

Need help with your mortgage case?

To discuss a case, or find out more about our products, call our experienced team. Ready to submit? Log into the application portal to get started, or register if it’s your first case with Pepper Money.

Information

Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

27th January

Responding to application portal broker messages on:

27th January

Reviewing applications sent to our underwriters on:

27th January

Working on applications received on:

27th January

Currently reviewing valuations received on:

27th January

Answering calls in less than (average speed):

< 1 Minutes