Pepper Money

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 continue to use our human approach to underwriting, your customer will often receive a fairer result and often more generous lending decision. Whether your landlord customer is a first-time landlord, grow 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

No stressing of background property portfolio

Up to 80% LTV

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

Let to Buy

Let to buy available for the purchase, remortgage or both transactions

High pay rate limits

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

Minimum income

Minimum Income of £18,000 and can be the combined income of 2 applicants

Later life

Earned income accepted to age 85

Limited Edition - Pepper 60

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

btl-ltd-edition

Updated : July 2021

Buy to Let Product Rates & Criteria

LMR = 1.10%

Effective 21st September 2020

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Working exclusively with brokers, we provide specialist Residential and Buy to Let mortgages to customers often overlooked by high street lenders. Leave your details below to stay updated on our latest news and products.

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Resources

Our tool kit has all the information you need

Packaging

Find the right Pepper Money mortgage (including DMP).

Downloads

Forms, product guides, and other useful documents.

FAQs

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Solicitor Panel

View our solicitor panel and details about our free legals remortgage.

Calculators

View our range of affordability calculators.

Find out how much your customer could borrow

In just a few minutes you can see how much your customer could borrow. (Please note the results are indicative and should be used as a guide only.)