Let us know how we've got on

Thinking about leaving some feedback for Pepper Money to help us understand how we’re getting on? Here’s how you can give us your views.

Thank you for choosing Pepper Money for your mortgage or homeowner loan. We’d love to hear what you think of our service. Your feedback will help us to enhance our service and make the application process easier. If you’ve got a few minutes, please submit a review via Trustpilot.

At Pepper Money, we use financial inclusion as a guiding principle for our business. We strive to improve access to home ownership and secured lending for a diverse range of customers, including self-employed, people who earn irregular incomes, property portfolio landlords, Limited Company, first-time buyers, customers with little on their credit record and people who have a record of missed credit payments.

We manually underwrite all applications, as we always have done. Our human approach allows us to consider and understand the customer’s circumstances beyond their credit score. We don’t use credit scoring as part of our lending decisions. The result is a fairer and often a more generous lending decision

Excellent Service by Pepper Money

I'm a mortgage broker and would like to acknowledge the amazing service that I have just received from Pepper Money, to get a mortgage offer out for my client. My relationship manager Max Hill, along with Adrian Brocklehurst and Abby Hall have all gone above and beyond, to help my clients help realise their goal of buying their first home. From start to finish they have pulled out all the stops and worked with me in order to achieve the mortgage offer. Massive thanks from me!

Fantastic lender and staff

Fantastic Lender, always manage to speak to someone within a few minutes. Had a particular difficult case and kept hitting a dead end but with the help, persistence and patience of Luke Murphy from the senior referral team and Paul Daly the underwriter on the case, we managed to get the case to offer successfully. Thank you Luke and Paul!

Brilliant Service all around

A very hard case to get over the line was helped no end by Peppers team of underwriters (Cassandra Lowther & Camika) and Business development manager (Chloe Bowden- Davis) . Communication was clear at all stages of the process and the team could not do enough to help when things got complicated. One of the few companies were the Business development manager answers the phone or calls you back !

Great service from Luke Murphy

Working with Luke Murphy on one of my cases and he provided an easy clear explanation of what was needed. Once he received he sent them over quickly and efficiently to get the case progressing as quick as possible. Great service. Very happy thank you Luke.


Our customers think we are Excellent

with 401 customer reviews,

and we score 4.6 out of 5!

Very good service start to finish

Very good service start to finish. Checked with Paul (BDM) case was acceptable, submitted and the lender chased me for the docs. Anything submitted was turned around within 24 hours, then got call from underwriter with final two queries and after discussion she was happy and signed it off and was offered in 24 hours. I was very impressed, especially the common sense approach of the underwriter.

Always a great service

Pepper have helped with numerous cases I've placed with them, they have a quick underwriting process and the underwriter will always call to go over any points too which is great to actually speak to somebody. My BDM Keith is also always on hand if I have any queries and has helped with exception cases for clients that other lenders have turned down

Jason is a superstar

I never write a review, but I have been blown away by the service from Pepper. This was my first case with them which was not straightforward by any account and the case was offered in record time. All the staff are so helpful, but Jason was especially amazing, any queries on the case and he picked up the phone resolved the issue instantly. He went out of his way to help me and the clients and service like this is not something you experience often (especially since Covid) Thank you Jason so much for your help.

Great Service with supportive BDM

Put two cases through pepper both not the most straightforward, Pepper's underwriters were efficient and did request a fair bit of information from the clients but this is normal these day's. Both cases went to offer with minimal fuss as soon as all criteria was met. Cavina our BDM on hand to help and support if needed all in all an excellent service and I will be using again.

For Intermediary use only

About Pepper Money

Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers.

Pepper Money is part of the Pepper Group, a diversified, global financial services business, whose senior management team is some of the most experienced in the UK mortgage industry having built a long-lasting reputation for creating innovative, flexible home loan products and services.

Pepper money

UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.


First Charge Service Levels

Intermediary - First Charge

Working on DIP referrals received on:

27th May

Responding to application portal broker messages on:

27th May

Reviewing applications sent to our underwriters on:

27th May

Working on applications received on:

27th May

Currently reviewing valuations received on:

27th May

Answering calls in less than (average speed):

< 1 Minutes
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