Buy-to-let landlords can now access free valuations across Pepper Money's product range as the specialist lender cuts rates by up to 0.35% and removes upfront costs for property investors.
The changes apply to both individual and limited company borrowers across Pepper48 and Pepper36 buy-to-let flat-fee products. Pepper Money has also reduced rates across its Pepper48 residential and buy-to-let ranges, with cuts spanning two, three and five-year fixed products.
Removing valuation costs reduces upfront customer expenses at application and supports brokers sourcing value-driven options in a competitive market. With further rental regulation on the horizon, many landlords will be looking for greater certainty. Free valuations empower them to make informed decisions on yield, pricing strategies and portfolio planning through the year ahead.
Rate reductions reach up to 0.35% at 85% loan-to-value (LTV) across the Pepper48 residential range. Several Limited Edition products have also been sharpened, including the Pepper48 five-year 75% LTV Limited Edition with a minimum £350,000 loan size, now starting from 4.79%. The five-year Pepper48 Limited Edition has been reduced to 5.04%, giving brokers enhanced options for customers seeking higher LTVs or larger loans.
The changes follow Pepper's ongoing focus on helping brokers service customers who fall outside the mainstream. The lender provides pricing and packaging options designed around real-world incomes and affordability, building a strong reputation for reliability and speed of decision-making.
"We've started 2026 how we intend to continue the year, making proactive decisions to support brokers. We understand the challenges they face when supporting customers who don't neatly fit high-street criteria. By reducing pricing across our Pepper48 range and removing valuation costs on Buy to Let products, an area of particular focus for us in 2026, we're making it easier for advisers to place more cases with confidence," said Paul Adams, sales director at Pepper Money (pictured).
"We remain committed to growing the specialist market with meaningful enhancements, and these announcements are just the latest step. As always, we're listening to broker feedback, and we look forward to sharing further improvements throughout 2026," he added.
