A Buy-to-Let package that’s hard to beat

At Pepper Money we understand investors in property – from that very first purchase right through to large portfolios – and we bring this understanding to bear at assessment.

  • The lowest variable rates in the market – our buy-to-let rates start can’t be beaten and start at just 4.4% (APRC 4.77%)
  • We’ll pay €1,500 towards your legal fees
  • Super-efficient service – Approval in Principle at the end of your first call and your letter of offer in just 10 days

To find out more about a refreshing approach to buy-to-let mortgages, talk to our Lending Team today.

  • The details

    • Borrow up to 80% loan to value for refinance cases, 70% for straight purchase
    • Up to 25-year terms available
    • Minimum of 5-year terms available
    • Borrow up to €750,000
    • Arrangement fee of 0.5% of the mortgage amount, up to a maximum of €1,800
    *Annual Percentage Rate of Charge
  • We’ll pay up to €1,500* towards your legal fees

    To make your switch even easier, we’ll pay your legal fees up to €1,500*.

    To qualify for this great offer:

    • The loan to value** on your application must be 70% or less;
    • You must be switching the mortgage on your main home or on a buy-to-let property, or buying a buy-to-let property;
    • You must have a formal loan offer from us by the 29th September 2017; and
    • Have completed your mortgage by 30th November 2017.

    We’ll make the payment direct to your solicitor once the mortgage has been drawn down and the Legal Fee amount confirmed by your solicitor – one less thing for you to worry about!

    Please note: *€1,500 is a contribution towards the customer’s Legal Fees. Loan to value** is your mortgage amount expressed as a percentage of the value of your home. Offer runs from 21/11/2016 to 29/09/2017 and can be withdrawn or extended at any stage at the sole discretion of Pepper Money.

  • Interest rates

    Our rates are based on your employment type and credit history. For PAYE workers, click here. If you’re self-employed or on a contract, click here. If you’ve had credit issues in the past, click here.
  • Your Mortgage Calculators


    How much can I borrow?

    Calculate my repayments


    Let’s talk mortgages

    Would you like to talk to a lending specialist about investing in property? One-on-one help is just a click away.
    The Lender is Pepper Money. Lending criteria and terms and conditions apply. Monthly repayments for a typical mortgage of €100,000 over 20 years (240 instalments) at the current Variable Rate of 4.80% is €648.96. A 1% interest rate rise would increase monthly repayments by €55.98 per month. The Annual Percentage Rate of Charge (APRC), based on a rate of 4.80% variable will be 5.21% and includes a €150 Valuation Fee, a Mortgage Charge of €175 paid to the Property Registration Authority, legal fees of €1,550 and an Arrangement Fee (based on 0.5% of the mortgage loan amount up to a maximum of €1,800) as detailed as part of mortgage loan application process. Additional fees may apply on a case by case basis. The amount you pay is €158,125.40. We require property insurance and will accept life insurance where offered. You mortgage the property to secure the loan. Maximum loan is generally 70% of the property value for purchase and 80% of the property value for re-mortgage. The cost of your monthly repayments may increase.