We get property investors

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.

  • Highly competitive rates – our buy-to-let rates represent real value and start at just 4.4% (APRC 4.77%)
  • Super-efficient service with Approval in Principle at the end of your first call and your letter of offer in as little as 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 purchase
    • Terms from 5 to 25 years available.
    • Borrow up to €1,250,000 in Dublin and up to €750,000 in all other areas we lend
    • Arrangement fee of €500.
  • 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 3.60% is €585.11. A 1% interest rate rise would increase monthly repayments by €49.21 per month. The Annual Percentage Rate of Charge (APRC), based on a rate of 3.60% variable will be 3.75% and includes a €150 Valuation Fee, a Mortgage Charge of €175 paid to the Property Registration Authority 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 €142,410.60. We require life and property insurance. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income and 80% of the property value (90% of the property value for First Time Buyers). The cost of your monthly repayments may increase.