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 85% of negative reviews
Typically replies within 24 hours
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Great service
I have always found Pepper Money to be a reliable lender who signpost well from the onstart. My recent case has progressed through the processing system quickly and efficiently. This has led to the offer. I am happy to leave a 5* review because they are worth it
June 4, 2026
Reply from Pepper Money UK
Thank you so much for your lovely feedback, Hilary. It’s great to hear you’ve consistently found Pepper Money to be a reliable lender, and that our clear signposting from the outset has made a difference. We’re really pleased your recent case moved quickly and efficiently through to offer – that’s exactly the experience we aim to deliver.
Spoke to underwriter who took a common…
Spoke to underwriter who took a common sense view
June 2, 2026
Reply from Pepper Money UK
Thank you for your feedback, Shaun. We’re really pleased you were able to speak directly with our underwriter and that their approach made a difference, it’s exactly how we aim to support you.
Reply from Pepper Money UK
Thank you for your feedback, David. It’s great to hear the process, and our underwriting worked well for you. We really appreciate you taking the time to share this.
Great one to one service
June 2, 2026
Reply from Pepper Money UK
Thank you for your feedback! We’re really pleased to hear you had great one-to-one support. It’s what we aim for every time. We look forward to working with you again soon😁
Absolutely fantastic as always great…
Absolutely fantastic as always great service, sensible underwriting and fast time scales superb! also special thanks to our brilliant BDM Michelle Walsh who is always extremely supportive
June 1, 2026
Reply from Pepper Money UK
Thank you so much for your kind words, Graham. It’s brilliant to hear you had such a positive experience with us. We’re really pleased you value our sensible approach to underwriting, quick turnaround times, and overall service. We'll be sure to pass on your praise for Michelle; she'll be delighted to hear how much her support is appreciated.
pepper are great to deal with
pepper are great to deal with, the underwriters are human and listen. The system is easy to use.
May 25, 2026
Reply from Pepper Money UK
Thank you for your feedback, Penny. We’re really pleased to hear you find us easy to work with and value our human approach to underwriting. It’s great to know the system is working well for you, too. Look forward to working with you again soon.
Great service
As a broker, I find Pepper's approach really refreshing. What always impresses me the most is how pro active they are in terms of assisting with any issues.
I want to give a shout out to Katie Roberts in particular, who I've been really impressed with in terms of going above and beyond to assist me with a case.
May 26, 2026
Unprompted review
Reply from Pepper Money UK
Thank you for your great feedback, Jamie. We’re really pleased to hear you find our approach refreshing and value the proactive support we provide. We’ll be sure to pass your kind words on to Katie, she’ll be delighted to know she made such a difference. We appreciate your continued trust in Pepper.
Reply from Pepper Money UK
Thanks for your feedback, Gina. We’re really pleased you found the process efficient and valued speaking directly with our underwriting team. It’s all part of the service we aim to deliver.
Common sense underwriting for brokers and clients
Common sense underwriting for applicants.
Special thanks to Paul Drinkwater for assistance
May 27, 2026
Reply from Pepper Money UK
Thanks for your kind words, Soroya. We’re glad you value our common‑sense approach to underwriting, and we’ll be sure to pass your thanks on to Paul. Look forward to working with you again soon.
Old School Service
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 knowledge and availability will be a good start to taking the case to AIP and application. Old school service in an industry that can sometimes forget that not every client is a vanilla case. Good work Sam.
May 26, 2026
Unprompted review
Reply from Pepper Money UK
Thank you for such a thoughtful review, Mark. We’re really pleased to hear how valuable Sam’s support and expertise have been in helping you navigate more complex cases. At Pepper, we understand that every client is unique, and it’s great to know our flexible approach and commitment to service is making a difference.
Pepper never fail's
Pepper never fail's. From initial decision through to offer, the process is simple, smooth and efficient.
May 25, 2026
Reply from Pepper Money UK
Thank you for your fantastic feedback, Meesha. It’s great to hear that you’ve found our process simple, smooth, and efficient from start to finish. Delivering a seamless experience is exactly what we aim for, so your comments mean a lot to the team. We look forward to working with you again!
Exceltent BDM
I have found the business development manager Alex Hall to be outstanding in his field. He never fails to come back to me with any queries i have and always comes back to me the same day. When ever he is in the local area he always contacts me to check in even if we don't have a scheduled appointment just to see how i'm getting on. He is a credit to Pepper Money and is the reason i have a high level of confidence in them
May 23, 2026
Unprompted review
Reply from Pepper Money UK
Thank you for such thoughtful feedback, Stuart. We’re delighted to hear how much you value Alex’s support and responsiveness. Building strong relationships and being there when it matters is exactly what we aim for, so it’s fantastic to see that reflected in your experience.
Pepper money were great for our…
Pepper money were great for our remortgage, just simple paperwork and ready to complete in very quick time.
May 18, 2026
Reply from Pepper Money UK
Thank you, it’s great to hear this. We’re pleased your remortgage went smoothly and that the process felt simple and efficient from start to finish. Thanks again for choosing Pepper.
Pepper are always tremendous with me…
Pepper are always tremendous with me and my clients
They always want to help and don't turn away many if any clients
Not only that but they always help with great products for clients with bad credit and also helpful with interest only
Alex is such a good support and is always at hand to help and take calls on new cases keep up the great work as couldn't ask for a more proactive BDM
May 1, 2026
Unprompted review
Reply from Pepper Money UK
Thank you for such positive feedback, Mark. It’s great to hear we’ve been able to support both you and your clients, especially with more complex needs. And we’re pleased Alex has been there to provide proactive support when you need it most.
I had a very complex case to progress…
I had a very complex case to progress with all sorts of caveats making it nearly impossible to place. The amazing Cassie Lowther saved the day and managed to get the case to offer. Hero.
May 22, 2026
Unprompted review
Reply from Pepper Money UK
Thank you for sharing this, Rowan. We know how challenging complex cases can be, so it’s fantastic to hear Cassie was able to step in and help get things over the line. We’ll be sure to pass on your “hero” feedback, it’ll mean a lot. Thanks again for your support.
Easy system to use
Easy system to use, access to underwriters and process to offer seemless
Great service all round
May 22, 2026
Reply from Pepper Money UK
Thank you for the great feedback, Michelle.
It’s fantastic to hear you found the system easy to use and that access to our underwriters helped make the process smooth through to offer. That’s exactly the experience we aim to deliver.
Thanks again for your support, we’re always here when you need us.
Alex Hall is always around to help!
May 21, 2026
Unprompted review
Reply from Pepper Money UK
Thanks for the great feedback, Carl. We’re really pleased to hear Alex has been there to support you, we’ll be sure to pass this on. We’re always here when you need us.
Tricky Case
Hit a problem with case late on in underwriting but worked together to resolve the issue by switching to a longer term fixed rate
May 21, 2026
Reply from Pepper Money UK
Thanks for sharing your experience, Scott. We know challenges can sometimes come up later in the process, so it’s great to hear we were able to work together to find a solution and keep things moving. That collaborative approach is what we’re all about. We appreciate your support.
First time application Great experience
To do the application and upload documents was simple. The only annoying thing was if I came out of the application I couldn't pick it up where I left it. I had to go through the whole application each time. But this was no Biggy. Team if i got stuck were helpful and responded quickly. My first application as a new advisor with Pepper Money. Thank you.
May 18, 2026
Reply from Pepper Money UK
Thank you for your feedback, Emma, and welcome to Pepper as a new advisor. It’s great to hear you found the application process simple and our team quick to support when needed. We really appreciate the point around picking applications back up too, that’s helpful insight. Thanks again, and we look forward to working with you on many more cases.
Alex Hall at Pepper Money is brilliant!
Have dealt with Pepper Money for years now and always have great service and help from their BDM Alex Hall.
He is always on hand to answer any queries I may have and is pleasant and polite.
I always look forward to using Pepper for the service from Alex and some of the telephone BDM's also.
Thank you Pepper, please keep it up.
May 7, 2026
Unprompted review
Reply from Pepper Money UK
Thank you for your fantastic feedback, Chris. We’re delighted to hear our colleague Alex and the telephone BDMs have delivered outstanding service. We’ll be sure to pass your shoutout on to Alex, he’ll really appreciate your kind words. Thanks again for your continued support of Pepper.
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