Happy Holidays. Our Christmas Customer Service opening hours are: 19 – 23 December: 9am – 6pm  I  24 – 27 December: Office closed 

28 – 30 December: 9am – 6pm  31 December – 2 January: Office closed

Brokers/intermediaries please refer to our Broker portal for our Christmas servicing hours.

Our Second Charge Sales Team

We’ll help you place your customers second charge case

There’s a range of support available to our broker partners, including our experienced team of BDMs, who are here to help you place more second charge cases.

We take a more human approach to underwriting, to build a truer picture and reach a fairer outcome. We design products that are easy to understand and simple to place. We strive to make each interaction you have with us easier than the one before. And we share valuable insight and expertise that give you an edge and build your reputation.

That’s why you’ll always find us with our doors and our minds wide open. Ready to challenge convention, read between the lines and see the story behind the numbers. We will find a place for your case with a path to success for your customers and your business.


Our customers think we are Excellent

with more than 600 customer reviews

Seconds Team

Our Business Development Managers

Conor Uruski Pepper Money

Conor Uruski

Referrals Account Manager

Conor joined us on the Graduate Programme, initially in finance, before taking up the opportunity to work in the Underwriting team. After building an understanding of criteria and risk he then moved over to Referrals to support broker partners with general queries and growing peripheral business where a business case can be rationalised.
Chris Evans Pepper Money

Chris Evans

Head of Referrals

Chris has worked in pensions and compliance before branching out into financial advice. Prior to Pepper, Chris worked in several brokers, which helps him understand the customer journey to deliver great customers outcomes.

Tom Whitney

Head of Sales

Tom has over 15 years’ experience in the specialist lending industry working with brokers and lenders to provide superior customer outcomes. He’s held roles in sales, business development, operations and relationship management.
Matthew Batte Pepper Money

Matthew Batte

BDM South

Matthew has extensive experience in the seconds market and is committed to helping support our broker partners with their business growth.


Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

27th January

Responding to application portal broker messages on:

27th January

Reviewing applications sent to our underwriters on:

27th January

Working on applications received on:

27th January

Currently reviewing valuations received on:

27th January

Answering calls in less than (average speed):

< 1 Minutes