Buy to Let - Pepper Money Conveyancing Requirements for Properties Let at Completion

Pepper Money legal requirements are set out in Part 1 of the Lenders Handbook which provides that unless it is clear from the mortgage offer that the property is let or is to be let at completion then you must check with Pepper Money as to whether Pepper Money lend on "buy-to-let" properties and that the loan is for that purpose.

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Previously updated on 17/11/2023 Section Two of the UK Finance Lenders’ Handbook for Pepper Money deals with who you need to contact If different from paragraph 1.11, i.e the contact point if property is let or to be let. It also deals with whether Pepper Money lend on buy-to-let

Pepper Money Completions Department Tel No. 0333 370 1101 or email lendingenquiries@pepper.money

In situations where the property, or part of it, is already let, or is to be let at completion, then the letting must comply with the details set out in the Pepper Money mortgage offer or any consent to let Pepper Money issue. If the letting fails to comply, or no such details are mentioned, you are obliged report the position to Pepper Money

Part 2 of the UK Finance Lenders’ Handbook for Pepper Money deals with who you must contact If different from 1.11, i.e the contact point when you do not have details of current letting or letting to take place at completion:

Pepper Money Completions Department Tel No. 0333 370 1101 or email lendingenquiries@pepper.money

Law firms on the Pepper Money conveyancing panel,when it comes to buy to let properties need to check Part 2 of the UK Finance Lenders’ Handbook as to whether counterparts or certified copies of all tenancy agreements and leases in respect of existing tenancies must be sent to Pepper Money after completion

In addressing the question whether the bank requires a certified copy letting contract to be sent Pepper Money says:

Yes, please send to Pepper Money, Servicing Department, Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ

The information contained within this webpage is for general information purposes only for lawyers in England and Wales, it does not constitute advice and you should always check the UK Finance Lenders’ Handbook for Pepper Money Buy to Let requirements as well as the mortgage offer. Whilst we endeavour to keep the information up to date and correct but does not make any representation or warranties of any kind about its completeness, accuracy, reliability or suitability. Any reliance you place on the information is strictly at your own risk. Lexsure will not be liable for any direct or indirect loss or damage arising out of or in connection with the use of this information. The same caveat applies to members of the public looking at this page. If you wish to find a buy to let conveyancing specialist on the Pepper Money panel or a buy to let mortgage broker click here.