The lender now offers two-year fixed rate products for loans between £500,000 and £20 million for property purchase and remortgage.

Pepper Money has cut rates by up to 0.35% across its Pepper48 range, including Limited Edition products.

Average rental yields across England and Wales reached 7.7%, rising 0.3% annually and 0.2% quarterly in Q4 2025.

Total mortgage searches reached 1,088,120 in December, down 22.6% month on month but up 10.75% compared with the same period last year.

The lender continues to operate as a UK non-bank specialist buy-to-let provider using manual underwriting.

The lender's new Scottish buy-to-let product offers loans of up to £750,000 at a maximum of 75% LTV.

Over 20% of all business placed by The Right Mortgage in 2025 was for buy-to-let, up from just over 13% in 2024.

Together has reduced rates by up to 25 basis points across regulated and unregulated products following the Bank of England's base rate cut in December.

Two-year fixed buy-to-let rates have fallen by up to 25bps, with five-year fixes reduced by up to 15bps.

The LTV increase forms part of the society’s broader focus on specialist lending.