Pepper Money launches five-year buy-to-let range with rates from 5.70% and 2% fee

The range is available to both individual and limited company landlords, including those with complex income profiles or smaller portfolios.

Related topics:  BTL,  Pepper Money
Property | Reporter
17th September 2026
Paul Adams - Pepper Money 258

Pepper Money has launched a five-year fixed buy-to-let mortgage range with rates starting from 5.70% and a 2% product fee, available to individual and limited company landlords.

The new products extend the specialist lender's longer-term fixed-rate options for landlords and the brokers who advise them. The range is designed to accommodate borrowers with complex income profiles, smaller portfolios or cases that require specialist underwriting, where standard high street criteria may not apply.

The launch comes as the buy-to-let market continues to be shaped by higher borrowing costs, evolving regulation and changing landlord strategies.

"Landlords continue to navigate a complex market, and brokers need lenders that can provide competitive options, practical criteria and certainty for their customers," said Paul Adams, director of sales at Pepper Money (pictured).

"The launch of our new five-year buy-to-let range with a 2% product fee gives advisers more choice when supporting landlords who are looking for longer-term stability.

"This is another step in strengthening our buy-to-let proposition and supporting advisers with a broader range of solutions for customers who may not fit a standard lending approach."

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