Are Darlington and Pepper's updated HMO and BTL lending tweaks more favourable for investors, and should I consider them for my next property finance?
Quick Answer
Recent lending adjustments from Darlington Building Society and Pepper Money expand finance options for BTL and HMO investors, particularly for multi-unit properties and larger HMOs. Investors should evaluate these against the 4.75% base rate and typical 5.0-6.5% BTL mortgage rates.
About This Topic
Darlington Building Society and Pepper Money's updated BTL/HMO lending criteria in December 2025 offer new options. Explore their flexibility, rates (5.0-6.5%), and stress tests.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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