What are the new Pepper Money HMO lending criteria and how will they impact my investment eligibility?
Quick Answer
Pepper Money has updated its HMO lending criteria, including stricter property minimums and tenant limits. This affects investor eligibility, particularly for smaller or lower-yielding HMOs.
About This Topic
Pepper Money's new HMO lending criteria from Dec 2025 include a £100k minimum valuation & tenant limits, impacting investor eligibility and stress tests.
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