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 500 customer reviews

Seconds Team

Our Business Development Managers

Caroline Mirakian Head of National Accounts at Pepper Money

Caroline Mirakian

Sales Director

With nearly 20 years’ experience, Caroline is our Seconds Sales Director. She is responsible for our external Sales team as well as looking after all of our Broker Relationships.

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:

30th September

Responding to application portal broker messages on:

30th September

Reviewing applications sent to our underwriters on:

29th September

Working on applications received on:

30th September

Currently reviewing valuations received on:

30th September

Answering calls in less than (average speed):

< 1 Minutes