Pepper Money has made changes to its buy-to-let range, reducing rates by up to 0.60 percentage points on 20 products and cutting completion fees on all two-year fixed rates from 2% to 1%.

The largest reduction is 0.60 percentage points, on a five-year fixed rate up to 80% LTV on the Pepper 24 range, which is available to landlords who have not registered a CCJ or Default in the last 24 months.

Rates are now available from 2.95%, for a two-year fixed rate up to 70% LTV on the Pepper 48 range, for landlords who have not registered a CCJ or Default in the last 48 months.

For landlords who have not registered a CCJ or Default in the last 36 months, rates start at 2.98% for a two-year fixed rate up to 70% LTV.

All lending decisions are made by mandated underwriters rather than credit scoring and the whole range is available to portfolio landlords as well as those who have fewer than four mortgaged buy-to-let properties.

Rob Barnard (pictured), sales director at Pepper Money, said: “The dual impact of new regulation and tax rules mean that life is now a little more complex for every buy-to-let landlord. At Pepper, we thrive on complex situations, with skilled underwriters who can unravel an interesting case and deliver a cost-effective solution.

“This revamp to our buy-to-let range makes it even easier for landlords, including portfolio landlords, to achieve an attractive rate and fee, even if they don’t fit the mould of a high street lender.”