Skip to main content
Skip to navigation
Online4.9/5.0
The HMO Mortgage Broker

Pepper Money

Pepper Money is a specialist lender with flexible HMO mortgage criteria, offering solutions for borrowers with complex credit histories and portfolio landlords.

  • Up to 75% LTV
  • Bad credit considered
  • Portfolio lending available

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

  • Yes:HMO Mortgages
  • No:HMO Remortgages
  • No:HMO Bridging
  • No:HMO Development

Pepper Money HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • No:LLPs
  • No:Offshore companies

Experience and credit

  • No:First-time landlordsMinimum 12 months experience as a landlord required.
  • No:No property experience needed
  • Yes:Adverse credit consideredSpecialist in adverse credit lending. Considers CCJs, defaults, and missed payments.
  • Yes:Borrowers aged 21 to 85

How to apply

  • Yes:Through a broker
  • No:Direct to the lender

Frequently Asked Questions

Common questions about Pepper Money and their HMO mortgage services.

What are Pepper Money's HMO mortgage rates?

Pepper Money publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are Pepper Money's borrower criteria?

Pepper Money requires experience from experienced landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 21 years, maximum age: 85 years.

Does Pepper Money accept intermediary applications?

Pepper Money accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Pepper Money offer?

Pepper Money offers Hmo Mortgages, Bad Credit, Portfolio. Contact us to discuss your specific requirements and find the best solution for your property investment needs.