Fantastic communication and understanding of the case. Human underwriting! Great job.

Great turnaround time on documents and response times from BDMs are great.

A change of property where it was difficult to get the documents moved over. Then asked for a number of items the previous application did not require which delayed the process and caused concern to the clients

Always amazing service speed and delivery from Pepper, the whole team are awesome! From the initial sales team, to the underwriter and support, everyone goes above and beyond! Thank you! Phil

Gavin in the pre offer team was AMAZING. As a broker I had a remortgage application, on completion the clients had not calculated their figures correctly and were short by £2000 on completion. Completion then was delayed and after then Gavin came to the rescue by changing the term and rate for the clients to enable them to be able to borrow enough to complete. This was a complex debt consolidation and without Gavins help my clients would not of been able to reduce their outgoings by consolidating. I would highly recommend Gavin

Tom Gwilliam has been fantastic. He has great knowledge, offers helpful advice and is always really responsive when you need to get hold of him. 10/10

I am a broker and was having trouble with sourcing the correct product for a client with adverse credit, so I had to call broker support. Thankfully Luke Murphy picked up the phone and went above and beyond to assist, in fact, he actually helped with being able to offer the client a lower rate than what I thought was possible so not only a happy broker, but a happy client too. Luke is a credit to his company and I look forward to working with him again

your team turned this round really quickly. You were happy to hold off on the valuation until the case was accepted too, which we really appreciate.

Excellent service and very good contact with the underwriter with very clear queries and prompt actions

All great! Criteria, processing + underwriting!

Pepper Money are by far and away the best lender to deal with imho. You deal with people who know what is going on with your case. They actually phone you with updates..!!!! I know mad isn't it. If you upload the documents and items required they are dealt with almost immediately. The underwriting team are not trying to prevent your cases from going to offer, which seems to be the case with so many lenders. They approach the case and any issues objectively actually weighing up risk rather than a "computer says no" attitude. It's like going back in time when things worked. Pepper Money certainly works for me. I would put every case through them if I could.

Pepper have been very quick and informative, I would give them 6* if I could

helpful when i phoned with questions and easy process from app to offer. system is a little clunky in terms of uploading docs.

Very straight forward and great communication.

So far so good upto the application stage. Will update as the process continues

I contacted Pepper Money for a settlement statement on 1 August. I transferred more than £50k over the next three days to cover the full settlement amount (plus £30 for additional interest). The first payment triggered a text asking me to call the office, and I spoke to a gentleman on Monday 5 August, who confirmed that one payment had been received, but that it might take a day or so for the other payments to appear on the system. Since then, I have heard nothing, despite having emailed on 23 August and then earlier today, asking for urgent confirmation that our second charge mortgage has been settled. This is unacceptable - particularly as my Direct Debit is scheduled for the last day of the month and so I have no idea whether £1300 will be taken from my account on Monday. UPDATE - I was contacted on 4 September and now have confirmation that everything has been settled. I am happy with the outcome, and with my experience with Pepper Money over the past couple of years, however comms when settling early could be improved!

Vicki Wilson is always the best one to get when you speak to Pepper on the phone. It shows when someone has a genuine care for the client and wants to help. The agreement in principle I got from Pepper today will be life changing.... Client going through a nasty divorce and just needs a lender to listen to her and understand why she hasnt got a perfect credit rating. And thanks for being bendy on the employment criteria.... It means so much when a lender doesnt hide behind its policy book and says yes to a great client. Thanks again to Vicki and to our BDM Paul Drinkwater for all the offers we have had so far and the ones we are going to get later in the year! Regards - Brad Mortgage Broker Haysto

Just over 2 weeks from start to finish getting a mortgage offer and there was a delay in this due to access for the valuation. It was a very straight forward application process with my broker giving regular updates and just a few questions asked in one go making it a lot less stressful than with other lenders. Anyone with previous credit issues or complex cases should choose Pepper. Letter also arrived post completion as promised detailing first mortgage payment and amount

Its a great personal approach to applicants circumstances.

Emma the underwriter was approachable and used common sense with this application, thank you!