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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Reply from Pepper Money UK
We appreciate you taking the time to leave a review, John. Thank you. It’s wonderful to hear you experienced a professional, quick and efficient service.
Very thorough and helpful
June 15, 2026
Reply from Pepper Money UK
Thank you for your feedback, Sharon. We're happy you found the support thorough and helpful, and look forward to working with you again.
Pepper Money has been fantastic from…
Pepper Money has been fantastic from start to finish. The team made the entire mortgage process smooth, clear, and stress‑free. Communication was excellent, every question was answered quickly, and they consistently went the extra mile to help. I’m genuinely impressed with their service and would happily recommend them to anyone looking for a supportive, reliable mortgage provider.
June 15, 2026
Reply from Pepper Money UK
Thank you for such a fantastic review, Byunyip. We're glad to hear you had such a positive experience from start to finish. Making the process smooth, clear, and stress-free is exactly what we aim for, so it’s really rewarding to know this came through. It’s also great to hear that the team kept communication strong and supported you every step of the way.
It was quick and easy with ni issues…
It was quick and easy with ni issues along the way.
June 15, 2026
Reply from Pepper Money UK
Thank you for telling us about your experience, Craig. It's brilliant to know everything ran smoothly from start to finish. A straightforward, hassle-free experience is exactly what we aim to deliver, so it’s good to know this came through.
Not informed of new payments after fixed rate ended
Never received anything formal in writing from Pepper with my account number when I took it out (I went through a broker). I am now 3 weeks after my fixed interest-only rate ended, and they have yet to notify me of the new interest rate and payments. They sent a letter dated a week after the fixed rate ended, which had a payment amount for "illustration purposes only". It is against industry standards and probably breaches FCA guidelines since they did not confirm the new rate before the old ended, and therefore I could not switch the mortgage before the new term started. I was also never informed by the broker that it was only interest-only for the first year. I had asked for an interest only mortgage
June 15, 2026
Unprompted review
Reply from Pepper Money UK
We are sorry you haven't had a satisfactory experience with us, Michele. Unfortunately, we are not able to locate you in our database. Please send us an email with your application details to tpsupport@pepper.money and we will look into this for you as a priority. Alternatively, you could respond to the Trustpilot email which asks for more information and we'll be able to take it from there.
Helpful to speak with a dedicated case…
Helpful to speak with a dedicated case handler.
June 11, 2026
Reply from Pepper Money UK
Thank you for your feedback, Graham. It's great to hear you value having a dedicated case handler to support you. We’re pleased this made a difference to your experience.
Continued Support
Have used Pepper for a number of years for clients of all needs on both residential and buy to let - have always found them to be quick, simplified underwritting, lending decisions adhered too - BDMS also very keen to go above and beyond to assist applicaitons progressing to offer quickly.
June 12, 2026
Unprompted review
Reply from Pepper Money UK
Thank you for your continued support over the years, Chris. We’re really pleased that our straightforward approach to underwriting and reliable decisions has worked well for you, and that our BDM team has made a difference in helping your applications move smoothly through to offer.
What a excellent process very smooth…
What a excellent process very smooth and at any point i needed any help they were their to help. The client was thrilled that Pepper could help all round happy outcome.
June 12, 2026
Reply from Pepper Money UK
Thank you for your kind words. We’re really pleased to hear the process was smooth and that our team was there to support you whenever needed. It’s great to know your client was so happy with the outcome, we appreciate you choosing Pepper.
Flexible approach to credit impaired…
Flexible approach to credit impaired cases. Easy to speak to someone regarding my case. Phones are answered quickly. Thought the valuation fees were a little on the high side especially for an exiting client. The website was a little slow when loading. But apart from that everything was ok
June 11, 2026
Reply from Pepper Money UK
Thanks for your detailed review, Keith. We’re really pleased you value our flexible approach and found it easy to speak with the team, with calls answered quickly. We also appreciate your comments on valuation fees and website performance, that’s really helpful feedback. Thanks again for choosing Pepper.
Better than expected as never used…
Better than expected as never used before.
Quick and processed very well
Service and updates excellent
June 10, 2026
Reply from Pepper Money UK
Thank you for your feedback, Sean. It's brilliant that your first experience exceeded expectations and everything was handled quickly and smoothly. We’re really pleased you found the service and updates excellent.
I like that you can always speak to a…
I like that you can always speak to a person, any queries our BDM, Alex Hall, is always available and and consistently goes above and beyond to provide swift, reliable support. Pepper Money as a whole matches this brilliant service with fantastic turnaround times, making them an absolute pleasure to deal with.
June 5, 2026
Reply from Pepper Money UK
Thank you for sharing such positive feedback, David. It’s great to hear how much you value having direct access to a real person when you need support, and that Alex has been such a dependable point of contact. We’re also really pleased that our turnaround times and overall approach have made things smooth and straightforward for you.
A lender that wants to help
It was a very good experience, Ewan was very proactive and quick updates were much appreciated and even assisted with pushing for valuation to accept the property. Its a breath of fresh air to feel that a lender wants to lend as opposed to finding any excuse to say no.
June 10, 2026
Reply from Pepper Money UK
Thank you for your fantastic feedback, Sam. We’re really pleased Ewan was proactive and kept you updated, and that his support with the valuation made a difference. We’ll be sure to pass on your kind words. It’s brilliant to know our approach came across as intended, with a real focus on finding ways to lend where we can.
Reply from Pepper Money UK
Thank you for your feedback, Andrew. We're so glad to hear you found the service very good and the system easy to use. We appreciate you taking the time to share your experience.
Reply from Pepper Money UK
Thank you for your feedback, Damien. It’s great to hear we could make what seemed like a challenging case feel straightforward and deliver your offer as expected. At Pepper Money, we pride ourselves on taking a common-sense approach to lending, so it’s brilliant to know this came through in your experience.
should be a 0 but wont let me they are…
should be a 0 but wont let me they are the worst mortage company ever they rip u off over charge u talk bull💩to u and dont listen to u you put major complaints in but they just worm there way out of them ive got them by the short and curlies and they know i have so now im going straight to the high court to sue them for damages and ive allso got a birmingham live news reporter comming to my house to make a news report about them so the will be over social media every where 😂
June 5, 2026
Unprompted review
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.
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