Pepper are a genuine pleasure to work with. Always assessing cases and documents within 24 hours and answering any phone calls within 2 minutes at absolute most. They take a common sense, human approa... See more
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Review summary
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Reviews shaping this summary
Pepper were great in securing us a mortgage. We have a complicated history made even trickier by self employed income being recently added into the mix and Pepper Money gave us a great deal with a rea... See more
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From start to finish, I can say Pepper Money UK were outstanding in providing me a mortgage. Quick process and information every step of the way. The portal used to upload documents or sign forms with... See more
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We need to use Pepper regularly for some of our clients where criteria needs to be flexible for the customers situation. Every time I run things past my BDM, Sam Bickerton, confident that his knowled... See more
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Company details
Written by the company
At Pepper Money we’re redefining lending norms, looking for a reason to offer help, rather than refuse it. So if you’re looking for a mortgage lender with the expertise and the experience to make sensible lending decisions, look no further. Discover more about us here: www.pepper.money
Contact info
4 Capital Quarter, Tyndall St, CF10 4BZ, Cardiff, United Kingdom
- 03333 701 102
- TPSupport@pepper.money
- pepper.money
4.8
Excellent
3K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 84% of negative reviews
Typically replies within 24 hours
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A Great Experience
A great experience from start to finish!! From the underwriter assistance and as always the superb support from my BDM the amazing Paul Drinkwater I cant praise Pepper enough and will never use any other lender in their space👍😀
May 4, 2026
Reply from Pepper Money UK
Thank you so much for your fantastic feedback, John. We’re delighted to hear you had such a great experience from start to finish, and that both our underwriting team and Paul provided superb support. We really appreciate your trust and kind words, they mean a lot to us.
My experience was great
My experience was great. It was quick and the people were efficient, I was kept updated throughout.
April 27, 2026
Reply from Pepper Money UK
Thank you for your feedback, Janette. We’re delighted to hear you had a great experience and found the process quick and efficient, with clear updates throughout. We really appreciate you taking the time to share your review.
I just love the service Pepper provides…
I just love the service Pepper provides generally - super supportive and helpful/patient colleagues on some of these very challenging cases - thank you
April 30, 2026
Reply from Pepper Money UK
Thank you so much for your kind feedback, Elaine. We’re really pleased to hear you value the support, patience and help our colleagues provide, especially on more challenging cases. Thank you for choosing Pepper.
the process was very quick response and…
the process was very quick response and turnaround
time, Information requested was dealt with promptly
all was much appreciated
April 29, 2026
Reply from Pepper Money UK
Thanks for your kind review, Keith. We’re glad to hear you experienced a quick turnaround and prompt communication throughout the process. We really appreciate you taking the time to share your experience.
Great portal system
Complicated case, thankyou to our case handler Luke for prioritising to be able to meet new build deadlines
April 29, 2026
Reply from Pepper Money UK
Thanks for your feedback. We’re pleased to hear you found our portal easy to use and that Luke was able to support a complex case and help meet your new‑build deadlines. We’ll be sure to pass on your thanks.
Reply from Pepper Money UK
Thanks for your review, Chris. We’re really glad you found us easy to deal with and the process clear and straightforward.
Mortgage
Hi
Thank you for processing my mortgage application, you dealt with this in a timely manner.
April 27, 2026
Reply from Pepper Money UK
Thanks for your feedback, Martin. We’re pleased to hear your application was handled promptly and appreciate you taking the time to leave a review. Thanks for choosing Pepper.
The whole process from Pepper was good
The whole process from Pepper was good, no issues in my mind. I would certaily use them again.
April 20, 2026
Reply from Pepper Money UK
Thank you for your feedback, Nigel. We’re pleased to hear the process went smoothly with no issues, and we’re delighted you’d choose Pepper again. We really appreciate you taking the time to leave a review.
Support
The support, by everyone every stage. Assured and informed of every step. Good communication by email documents sent with clear instructions and the speed. I am a novice and felt helped and supported every step.
April 27, 2026
Reply from Pepper Money UK
Thank you for your lovely feedback, Pauline. It’s great to hear our team made you feel supported and well‑informed at every step. We look forward to working with you again soon.
It was changed our way of life by…
It was changed our way of life by saving us money on a monthly basis.
April 27, 2026
Reply from Pepper Money UK
Thanks for your feedback, Tracy. We’re so glad to hear we could help make such a positive difference to your monthly finances. Thank you for trusting Pepper to deliver something so meaningful.
Very quick on deciding acceptance and…
Very quick on deciding acceptance and getting a valuation done giving peace of mind.
April 27, 2026
Reply from Pepper Money UK
Thank you for sharing this, Linda. We’re really pleased the quick decision and valuation helped give you peace of mind, that reassurance is so important.
Pepper fill a very valuable niche
Pepper fill a very valuable niche. Where cases don't fit the High St and are too good for the severe adverse end of the spectrum Pepper are the our new first choice.
We contacted our BDM and he was all over our clients situation within hours. His advice was invaluable and accounted for a rapid offer arriving which impressed both us and our client.
On a pure business comparison note, Pepper know their strengths and don't try to go where they are not strong. They were keen to educate us on these so we would chose them first next time. I can say it worked.
April 23, 2026
Reply from Pepper Money UK
Thank you for such thoughtful feedback, Gregory. We’re really pleased to hear we've become your first choice for these cases and that your BDM was able to add real value so quickly. It’s great to know our clarity on where we’re strongest in making a difference for you and your customers.
My A supportive and efficient lender.experience with Pepper Money was…
My experience with Pepper Money was excellent. Pepper Money were responsive, easy to work with, and made the process straightforward for both me and my client. A supportive and efficient lender.
April 21, 2026
Reply from Pepper Money UK
Thanks for taking the time to share such positive feedback, Nathan. We’re delighted to hear you had an excellent experience with us and that our team was responsive, supportive, and easy to work with throughout the process. We look forward to supporting you again in the future.
Reply from Pepper Money UK
Thanks for your kind feedback, Dorothy. We’re really pleased to hear you were happy with the service and that the product met your needs. We appreciate you taking the time to share your experience and hope to help you again in the future.
Quick responses to any queries raised
Quick responses to any queries raised. However, the underwriter for some reason wanted to use historic working hours and an old hourly rate for affordability?
After contacting my BDM Alex Hall, this issue was quickly resolved with his intervention.
Overall a positive experience.
April 23, 2026
Reply from Pepper Money UK
Thanks for sharing your experience, Rhys. We’re glad to hear that communication was quick and that the case was resolved positively despite the initial affordability challenges. It’s great to know Alex was able to step in and get things moving swiftly. We’ll be sure to pass on your feedback to him, and we appreciate you working with us.
Helpful and flexible where needed
April 20, 2026
Reply from Pepper Money UK
Thanks for your feedback, Suzie. We’re pleased to hear you found the process efficient and that our team took a flexible, pragmatic approach. We really appreciate you taking the time to leave a review.
Pepper are by far the best lender for…
Pepper are by far the best lender for adverse credit. It isn't even up for debate
April 22, 2026
Reply from Pepper Money UK
Thank you, Robert, that really means a great deal to us. Helping customers with adverse credit move forward is exactly what Pepper exists to do, and we’re proud to bring common‑sense lending and specialist expertise to every case.
Ahead of the market
Ahead of the market in a number of areas, particularly the self-employed areas that require deeper understanding and logic! Always a pleasure to deal with their underwriters.
April 22, 2026
Reply from Pepper Money UK
Thanks so much for your kind words, Julie. Self‑employed lending is where a deeper understanding really matters, and it’s great to hear that our human approach to underwriting made the difference. We look forward to working with you again.
I had a very pleasant experience!
April 20, 2026
Reply from Pepper Money UK
Thank you for your review. We’re delighted to hear you had such a great experience and appreciate you taking the time to share it.
As always Pepper Money do exactly what…
As always Pepper Money do exactly what they say
April 22, 2026
Reply from Pepper Money UK
Thank you for your feedback, Ian. We’re really pleased to hear we’ve consistently delivered on what we promise, that means a lot to us.
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