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. 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.

However, there are several benefits of choosing Pepper Money for your Private Buy to Let mortgage applications. Here’s how we can help you and your Private landlord customers.

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

Buy to Let Mortgage Products Rates & Criteria

Pepper 60

Suitable for clients who haven’t had a Default or CCJ in the last 60 months

Pepper Buy to Let

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.


Our Buy to let Intermediary tool kit has all the information you need

Need help with your first charge 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.

For Intermediary use only

About Pepper Money

Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers.

Pepper Money is part of the Pepper Group, a diversified, global financial services business, whose senior management team is some of the most experienced in the UK mortgage industry having built a long-lasting reputation for creating innovative, flexible home loan products and services.

Pepper money

UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.


First Charge Service Levels

Intermediary - First Charge

Working on DIP referrals received on:

27th May

Responding to application portal broker messages on:

27th May

Reviewing applications sent to our underwriters on:

27th May

Working on applications received on:

27th May

Currently reviewing valuations received on:

27th May

Answering calls in less than (average speed):

< 1 Minutes
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