Should I refinance my existing HMO portfolio with Pepper Money given their expanded criteria and rate cuts?
Quick Answer
Pepper Money's expanded HMO lending criteria and rate cuts in December 2025 present refinancing opportunities landlords, with up to 80% LTV on properties valued up to £1.5M. This could free up capital or secure more favourable terms.
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Pepper Money's expanded HMO lending criteria and rate cuts in December 2025 present refinancing opportunities landlords, with up to 80% LTV on properties valued
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