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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What people talk about most
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
- #8 of 24 best companies in Mortgage Lender
- #36 of 107 best companies in Alternative Financial Services
- #63 of 168 best companies in Non-bank financial service
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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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.
23 April 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
20 April 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
22 April 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.
22 April 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!
20 April 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
22 April 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.
It was great experience
It was great experience. As our BDM and UW team was very helpful.
21 April 2026
Reply from Pepper Money UK
Thank you for your feedback, Mohammed. We’re really pleased to hear you had a great experience and that our BDM and underwriting team were so helpful. We look forward to working with you again soon.
Reply from Pepper Money UK
Thank you for your kind words, Keith. We’re really pleased to hear you’ve consistently had an excellent experience with Pepper, and we appreciate you taking the time to share your feedback.
Remortgage
Excellent, reliable, easy and well plan Service I have from the team. I’m exciting thanks All.
20 April 2026
Reply from Pepper Money UK
Thank you for your kind feedback, Mounir. We’re delighted to hear you found our service reliable, easy and well organised, and that the team supported you throughout. We really appreciate you taking the time to share your experience.
Very prompt service looking forward to…
Very prompt service looking forward to having our mortgage with yourselves
20 April 2026
Reply from Pepper Money UK
Thanks for taking the time to review, Sarah. We’re pleased to hear you found the service prompt and we look forward to supporting you throughout your mortgage with Pepper.
We just got a remortgage with Pepper…
We just got a remortgage with Pepper Money.
Their service was fast, professional, and the rate wasnt too bad either in todays climate.
20 April 2026
Reply from Pepper Money UK
Thank you for your feedback, Dek. We’re delighted to hear you found our service fast and professional, and that you were happy with the rate given the current market. We really appreciate you choosing Pepper for your remortgage.
The product was very reasonable and…
The product was very reasonable and perfectly meet client's expectation,
The support team from Pepper Money is amazing - they are in constant help from the enquiry till the offer. Amazing service
20 April 2026
Reply from Pepper Money UK
Thank you very much for your kind feedback, Bulbul. We’re delighted to hear that our products met your client’s expectations and that our support team was able to assist you consistently from initial enquiry through to offer. Providing this level of service is something we take great pride in, and it’s fantastic to know it made a positive difference. We look forward to working with you again soon.
Reply from Pepper Money UK
Thank you for your feedback, Abdul. We’re really pleased to hear you had a great experience and found the process easy and helpful. We appreciate you taking the time to leave a review.
Application
They was very helpful and friendly explained everything and helped me through all the paperwork from start to finish
15 April 2026
Reply from Pepper Money UK
Thanks for your review, Sarah. We strive for open and thorough communication at every stage of the process, so it's great to see feedback like this. Thanks for choosing Pepper.
This was a difficult mortgage and…
This was a difficult mortgage and Pepper have been great to help get this over the line. Please send our thanks to the underwriter, Laurence, for all his help and good work. We are thrilled and the client is over the moon. Thanks Pepper
17 April 2026
Reply from Pepper Money UK
Thank you for your feedback, Antonio. We’re really pleased we could help get this challenging case over the line and that your customer is so happy with the outcome. We’ll be sure to pass your thanks on to Laurence, he’ll be delighted to hear this. Thanks for choosing Pepper.
Great help from the team with the debt…
Great help from the team with the debt con to sort out
17 April 2026
Reply from Pepper Money UK
Thank you for your review, Phil. We’re glad our team was able to support you through your debt consolidation and help you free up some of your monthly budget. Your feedback means a lot to us, and we’re pleased we could help.
Reply from Pepper Money UK
Thank you for your kind feedback, Justine. We’re really pleased to hear you found our team thorough and helpful, delivering clear, supportive service is exactly what we aim for. We appreciate you taking the time to share your experience.
Good communication and quickly offered…
Good communication and quickly offered - Good service all round as per usual
16 April 2026
Reply from Pepper Money UK
Thanks for your review, Jane. We strive for open and timely communication at every stage of the process, so it's great to see feedback like this. Thanks for choosing Pepper.
Great service
This complicated mortgage application was very quickly and efficiently handled by Pepper Money, and by Lucy, the case handler in particular.
16 April 2026
Reply from Pepper Money UK
Thank you for the feedback, Stephen. We’re delighted we could support you with a complex application and deliver a quick, efficient outcome. A special thank you for recognising Lucy, we’ll be sure to pass on your kind words. Look forward to working with you again soon.
Pepper money have been fantastic
Pepper money have been fantastic. Lots of plans to suit all needs. The communication has been excellent. They provided the solicitors who again were absolutely great and moved quickly to assure completion.
15 April 2026
Reply from Pepper Money UK
Thank you for the wonderful review, Paul. We’re really pleased to hear you had such a positive experience, from our product options to clear communication and a smooth completion. It’s great to know our legal panel helped keep things moving quickly too. Thanks for choosing Pepper Money.
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