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

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

Pepper Buy to Let Criteria

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.

Resources

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

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:

30th September

Responding to application portal broker messages on:

30th September

Reviewing applications sent to our underwriters on:

29th September

Working on applications received on:

30th September

Currently reviewing valuations received on:

30th September

Answering calls in less than (average speed):

< 1 Minutes