Pepper Money UK Reviews 

2,533
TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Evaluating 815 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the excellent service and the helpful, professional staff, especially their Business Development Managers. Many highlight the quick response times and efficient processes, noting that cases are often assessed and processed swiftly. The company's flexible and understanding approach is particularly valued for complex or non-standard cases. Reviewers frequently mention the clear communication and smooth user experience, making the entire process straightforward and stress-free. Overall, people appreciate the supportive and reliable service that helps them achieve their financial goals.

What people talk about most

Service

Reviewers mention positive feedback about service, highlighting its speed, efficiency, and professionalism,... See more

Staff

Customers had positive experiences with staff, consistently praising their helpfulness, professionalism, and... See more

Customer service

Users describe positive interactions with customer service, highlighting quick response times and helpful... See more

Response time

Customers consistently note positive experiences with response times, highlighting quick phone answers and... See more

User experience

Reviewers highlight positive aspects of user experience, with many describing the process as smooth, easy,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied


Company details

  1. Mortgage Lender
  2. Alternative Financial Service
  3. 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

4.8

Excellent

TrustScore 5 out of 5

3K reviews

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Asks customers to review

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Replied to 85% of negative reviews

Typically replies within 24 hours

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4.8

All reviews

(2,533)

774 reviews in the last 12 months

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Rated 5 out of 5 stars

Sam is a great BDM

Sam’s been great to work with. I usually go to him with tricky cases and he’s always willing to look into things properly rather than just giving a quick answer. He’ll speak to the right people internally and help work through the case from the start, which makes a big difference.

By the time we get to application stage, most of the groundwork has already been done, so cases tend to run smoothly and we often get quick offers as well.

He’s reliable — always comes back to me, whether it’s a call or email, and gets involved when needed. Just a really good BDM to deal with.

May 20, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for sharing this, Simon.
We’re really pleased that Sam’s thorough approach and willingness to get into the detail is making a difference, especially on more complex cases. Getting the groundwork right early on is key to smoother applications and quicker processing. We’ll be sure to pass your feedback on to Sam, and we’re always here when you need us.

Rated 5 out of 5 stars

I have dealt with Pepper Money for the…

I have dealt with Pepper Money for the last couple of years and specifically Sam Bickerton. Exceptional service from Sam, always at the end of the phone and sorts out any issues without hesitation, thanks. A refreshing approach to common sense lending with great USP's and great service levels. A hands on human approach and will continue to support the lender with cases in the future.

May 1, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for your continued support, H. We really appreciate you taking the time to share this.
It’s great to hear how much you value Sam’s responsiveness and support.
We’ll be sure to pass your feedback on to Sam, and we look forward to supporting many more of your cases in the future.

Rated 5 out of 5 stars

Alex is really responsive and really…

Alex is really responsive and really knows his stuff! He is always keen to help and comes back to you with good detail and reassurance that the case will be able to proceed. It's great having someone that you can rely on so much and that has a detailed level of knowledge! Thanks, Alex!

May 20, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thanks for the great feedback, Darren. We’re really pleased Alex has been so responsive and reliable, that support and clarity is what we’re all about. We’ll make sure he sees this. We’re here whenever you need us.

Rated 5 out of 5 stars

Pepper Money

We’ve had a couple of very good experiences recently, Sam Bickerton has been really helpful especially when cases go slightly wrong he is always very insightful and guides us well on how to rectify any issues that arise

May 20, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for your kind words and continued support, Maria. It’s fantastic to hear how much you value Sam’s hands-on approach and accessibility. We look forward to supporting many more of your cases in future.

Rated 5 out of 5 stars

Mortgage Broker

I have submitted a couple of application through Pepper Money now and that would not of been possible if it wasn't for my BDM Sam Bickerton, he is always on hand to help my with products and criteria. He is excellent at communicating with me and the underwriters to help any cases go through.

If it wasn't for Sam i wouldn't of known that Pepper Money could help my clients

May 20, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thanks for sharing, Josh. It’s great to hear Sam’s proactive approach and attention to detail is helping set cases up for success from the start. We’ll be sure to pass this on, and we’re always here when you need us.

Rated 5 out of 5 stars

I use Pepper all the time

I use Pepper all the time, Sam Bickerton ( BDM) is always there for me when i need him. He is one of the best BDM around. Pepper are great and with Sams help it makes life lot easier.

May 13, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for your fantastic feedback, Sabbi. We’re delighted to hear how highly you rate Sam, he’ll really appreciate your kind words. It’s great to know his support is making a difference to you and your clients.

Rated 5 out of 5 stars

Alex Hall is always helpful and well…

Alex Hall is always helpful and well informed.
Pepper in general are very efficient and I can rely on them to do what they say they will do quickly and without fuss

May 19, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you so much for your kind words, Shaun. We’re delighted to hear about your positive experience with Alex, he’ll be really pleased to know the difference he’s making. It’s great to hear his can-do attitude and support are helping you and your clients so effectively.

Rated 5 out of 5 stars

Pepper are a flexible lender and the…

Pepper are a flexible lender and the support we have from our BDM Alex Hall is top notch.

May 20, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thanks for your kind feedback, Neil. We’re glad you value our flexible approach and the support from Alex.

Rated 5 out of 5 stars

Broker of 22 years & have been working…

Broker of 22 years & have been working with Pepper for 7+ years on 1st & 2nd charge lending. Great lender, reliable, fast, competitively price and excellent BDM support from Alex

May 20, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for your continued trust and support over the years. We’re really pleased you value our reliability and service, and we’ll be sure to pass your feedback on to Alex.

Rated 5 out of 5 stars

The support offered by Alex at Pepper…

The support offered by Alex Hall at Pepper throughout the whole process is absolutely brilliant. He is always available to help, quick to respond, and will always go above and beyond to help if he / Pepper can.

Nothing ever feels like too much trouble, and his knowledge of products and criteria is always spot on. It makes a stressful process so much smoother for both us and our clients.

Really refreshing to deal with someone so proactive, approachable and easy to work with. He is a real asset to Pepper.

May 14, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for such fantastic feedback. We’re delighted to hear how much you value Alex’s support, he’ll really appreciate your kind words. It’s great to know he’s helping make the process smoother for you and your clients.

Rated 5 out of 5 stars

Great communication from Pepper…

Great communication from Pepper throughout the application process up to issue of the Offer.

May 20, 2026
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for your review, Robert. We’re glad to hear communication was clear throughout and appreciate you taking the time to share your experience.

Rated 5 out of 5 stars
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for your feedback, Lesley. We’re really pleased to hear you found us easy to do business with, that’s exactly what we aim for. Look forward to working with you again soon.

Rated 5 out of 5 stars

at a time when other lenders are taking…

at a time when other lenders are taking 10 working days to look at docs , pepper manage to look at it on same day . service is outstanding .
Big shout out to Alex hall our bdm , his knowledge is first class and always gets back to you same day .

May 13, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for your fantastic feedback, Michael. We’re delighted to hear our team could review documents so quickly and deliver 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.

Rated 5 out of 5 stars

Pepper are a genuine pleasure to work…

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 approach to their underwriting and are happy to consider almost anything even if it is outside of exception. My BDM Alex Hall genuinely cannot help enough either and makes himself available any time of day for you to do what he can to help you. Thank you Alex & Pepper!

May 19, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for such fantastic feedback, Sean. We’re really pleased you enjoy working with Pepper and value our quick turnaround and common‑sense approach, it’s exactly what we aim for.
We’ll be sure to pass your thanks on to Alex as well. It’s great to hear the support he provides is making such a difference. We truly appreciate your trust in us.

Rated 5 out of 5 stars

Alex Hall is incredible

Alex Hall is incredible. A first class business development manager. Always available when needed and assists us place any cases with maximum support. Simply one of the best BDMS's out there. Pepper are very lucky to have him.

May 19, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for your fantastic feedback, Chris. We’re delighted to hear how highly you rate Alex, he’ll really appreciate your kind words. It’s great to know his support is making a difference to you and your clients.

Rated 5 out of 5 stars

Great experience with Pepper

Really positive experience with Pepper Money. As a broker, it’s refreshing to work with a lender that takes a more practical view on cases and understands that not every client fits a standard high street profile.

The process has been smooth, communication has been clear throughout, and turnaround times have been solid. Big shoutout to Alex, the BDM, who has been really helpful and easy to deal with. He’s always quick to respond and happy to help with any questions or case queries. Makes a real difference having that level of support.

May 19, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for such a great review, Dominic. We’re really pleased to hear you value our practical approach and clear communication, it’s exactly what we aim to deliver. We’ll be sure to pass on your feedback to Alex, and we appreciate your continued trust in Pepper.

Rated 5 out of 5 stars

Our experience in dealing with Alex…

Our experience in dealing with Alex Hall has been fantastic. Alex is our Business Development Manager and he's genuinely one of the best there is. His knowledge is second to none, he is always friendly and helpful and nothing is ever too difficult or too much trouble, our clients benefit directly from us working with Alex.

May 19, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you so much for your kind words. We’re delighted to hear about your positive experience with Alex, he’ll be really pleased to know the difference he’s making. It’s great to hear his knowledge and support are helping you and your clients so effectively.

Rated 5 out of 5 stars

Service is brilliant

Service is brilliant, actually help to get the case offered.

May 19, 2026
Unprompted review
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for your great feedback, Thomas. We’re really pleased to hear our team could support you and help get the case over the line, that’s exactly what we’re here for. We appreciate you choosing Pepper.

Rated 5 out of 5 stars

Complex cases dealt with in a professional way

I come to Pepper money with cases that don't fit with other banks and I expect that things are going to be more complex. I appreciate that you have managed to strike a good balance to underwrite these more difficult cases without excessive requirements from the client. Quick and professional. I am sure that I will be placing another case with you soon.

May 19, 2026
Pepper Money UK logo

Reply from Pepper Money UK

Thank you for your thoughtful feedback, Paul. We’re really pleased to hear we’ve been able to strike the right balance on more complex cases, keeping things straightforward while supporting your clients. We appreciate your trust in Pepper and look forward to working with you again soon.

Rated 5 out of 5 stars

Great service levels

Great service levels, great underwriting happy with overall service and speed of application to offer

May 19, 2026
Pepper Money UK logo

Reply from Pepper Money UK

Thanks for your feedback, JC. We’re really pleased to hear you were happy with the service from underwriting and the speed from application to offer. We appreciate you taking the time to share this.

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