Pepper Money were easy to deal with, they try to help make the application process as easy as possible. It's also great to be able to speak to the underwriter directly.

application acceptance for clients with ccjs and other adverse credits fully qualified and Directly authorised and regulated by The FCA. in business since 29 April 1990 T: 07973735265 and E: Nationwide services provided on residential and Buy to Let mortgages, life and property insurance

I am a mortgage adviser who generally deals with clean cases, this is the first time I have used Pepper for some time as I had a sub-prime client. I was not looking forward to the experience, but I had one underwriter "Laurence Bryan" who hand held me through the process, we worked together to get the case to offer. High Street banks could learn a lot from Pepper's business model. Thank you Laurence !!! Dan

be able to speak to someone about the case before i submitted . on line was really easy to use too all staff good and getting through was good and turn around times on all paperwork was brilliant .

Very quick with their processing times and efficiency throughout the application process

Highly recommend Peppa Money for anyone looking for a mortgage especially if self employed. The process was very straightforward and they pretty much told us our decision in principle would be doable after looking at our credit file. We then got the DIP the same day. After finding our house the mortgage offer issued within days of the valuation. No unnecessary questions. Straight forward and with a much greater understanding of how self employed/directors have found it difficult post covid/brexit, with profits up and down. Thank you Gavin also for the post offer follow up call.

Absolutely disgusted, went through a hard time 8 years ago with a failed business and borrowed £42500 on my home to clear that debt, since then I have paid back just over £30000 in 8 years. I have asked for a redemption figure today to be told to clear this loan early ( ends in 2039) I will still have to pay £36500. As I understood when you ask for a redemption figure they would calculate what interest you would have paid over the remainder of agreement and deduct that to get a final payment, remember I am clearing this 15 years early and to be told that I am entitled to a £533 redemption is disgusting, I have worked my backside off to get back on my feet to find I’m being robbed in clear view.

thank you Luke for getting the job done swiftly Great Work Kind Regards Jason box Broker

Easy and quick application stage till to offer stage.

Helpful advice on how to help my client and quick to Offer

Pepper Money are so engaging and actually make you feel like they want to understand your situation to make the mortgage work. Big Banks were all terrible and robotic, Pepper were personal and helpful. Whilst not our first option, we have decided to remortgage through them because of their service to us and as a loyal customer. Thanks to Gavin at Pepper and our brokers McFarlane And Iles

quick and fast service, no messing about.

Emma Hardeland was brilliant, she was very helpful and even stayed late to help me process my first application with Pepper. What an asset to your team. Lisa Young Mortgage Matters Direct

After 16 years of renting and wondering how I'll ever get back on the property ladder, I held my head high and got myself a stable job, but had a few blips on my credit file, then a bungalow game up in the same street I was renting in so I set out to seek a broker to get me a mortgage, he had a few complications with my application but then Pepper Money came to my rescue and seen the positive things in me and offered me a mortgage, 3 month later me and my partner have our forever home, thankyou pepper you have made my life complete thanks to everyone involved in my mortgage case you are the best.

A big thanks to Michael Smith who was able to speedily put in an appeal to get a decision in principle property decline over-turned and accepted within 45 minutes, allowing the client to proceed. A great result for the client and good to see that Pepper are willing to judge a case on its merits, rather than black & white criteria. Thanks from Sam at Mortgage 1st.

Had an AIP prior to submitting full application through broker. Everything declared etc. Upon submitting full application requested lots of extra documents, including for my husband. Husband is on Family Visa, can't apply for ILR until Oct next year, as a result they £0 income. They then asked for various documents including employment contract for him etc. Despite the mortgage being for £57,000 and the payment amount £355.00 they have declined on risk, despite asking various info. Additionally, they can see I have paid rent £825.00 a month religiously for the past three years without missing a single payment. The laughable thing is, the rent and mortgage amount, shared ownership is less than the rent. Made me jump through hoops, questioning various info. I asked if we increased the deposit etc, would they consider a counter offer, no. Refused to help. Peppermoney talk about using an approach which supports people and looks at the facts of each case. Now lost our dream home, £150.00 application fee and the costs of the solicitor. I've had nothing but stress. I see many cases here reviewed where the cases are much more complex or have bigger issues such as CCJ's etc. Not willing to help. No other options, because we physically can't apply for ILR until next year, despite being almost 5 years in, I don't understand why this would preclude an offer, it's not even for a full mortgage. Avoid ** Reply To Pepper Response - 17/07/24 ** Thanks for responding. I was through a broker so not sure if you will contact the broker directly. It seemed very strange as one moment it was looking like we were 80% there. You had asked for some clarification as it looked like a pay day loan, however this was incorrect and documentation was sent to show this. You were also awaiting details from landlord to prove no arrears which there isn’t and I was in the process of getting. I would appreciate if you potentially have made a mistake you let me know asap either direct or through the broker. I had the draft copies of the sale and was only awaiting the mortgage offer to then be able to exchange. It makes no sense that the rent/service charge and mortgage is less than my current rent ! Please let me know asap as if you change your mind I could let the housing association know and not sign the discontinuation letter for the solicitor. ** Update - 19/07/2024 ** Pepper called this morning following on from the response to my initial post. I genuinely thought the comment here would not yield anything however, to their credit they followed through and called this morning. They advised that on initial review it could have been sent for exception regarding the visa situation and unfortunately this had for some reason been missed. On paper everything else was fine and they were really sorry about getting it wrong. They agreed a simple phone call either directly or with the broker likely could have resolved the issue. They rereviewed and said they would immediately send for exception and due to the stress would refund the application fee. They advised they could not see any particular reason the case would now not be approved but of course a senior manager would need to grant the exception. They advised this would hopefully be done today. They then called back (Andrea) to advise it had all been approved subject to valuation and that the valuation had again been instructed ! Despite all the stress, they have come through. They did thank me for using truspilot as this allows them to ensure when cases go wrong they can ensure a review is done. In my case I would have lost my dream home. Thank you to Andrea for being a superstar, understanding, compassionate and genuine ! Real credit to the team !

Short turnaround times, good communicatin

From start to finish was very smooth and gave us the offer within a good time frame.

Honest human specialists & underwriters who actually want to help. Prior to 'DIP'ing an awkward case that did not fit criteria in some areas I called Pepper to discuss. Ended up getting through to Luke Murphy, he fully understood why I felt the case warranted a review and he wanted to help, turned what ended up being a Refer into an Accept, now the client can buy the house they are renting after been given notice 8 weeks after moving in... Thank you

The underwriter Steph was/is fantastic. She was clear in her requests and worked information received efficiently and effectively.