My partner and I are first time buyers so were very unsure and nervous about the process. Initially we were dealing with the mortgage broker but all paperwork from Pepper was sent through in a timely manner and easy to understand. As the mortgage has now progressed we have begun to discuss with Pepper direct and at every stage we have been met with a warm and friendly service. All our questions have been answered without being made to feel silly or stupid. Recently I had a call from Pepper by a gentleman called Gavin. Gavin just wanted to check in, make sure we understood the current status and next steps right through to completion. It was honestly such a welcomed phone call and brilliant Customer Service. Gavin was polite, professional but offered empathy and understanding as if talking to a friend which just made us feel even more at ease and knowing we had picked the right lender!

Excellent service and both the underwritter Alex and Michael were bothy most helpful

I had really good help on the phone to establish which product was going to work for the client. Then when allocated to an underwriter he was really helpful. Progress was quick and clear.

Understanding underwriting that listens to the clients rather than the standard "computer says no" you get from many other lenders.

Pepper were really quick at issuing my offer. They were really clear about why they needed and applied a common sense approach to the lending. Really pleased throughout

The application was processed efficiently and quickly. Excellent communication with the underwriter throughout the process.

My first time using Pepper as a broker could not have gone better. The whole process was incredibly smooth and quick from start to finish and they were very open to some tricky parts to the case. The fact that I got a phone call on day 1 of the application from the underwriter to introduce themselves really sets Pepper apart from many of the other lenders out there. A massive thank you as well to the underwriter, Alex Goldsmith, who could not have been more helpful and understanding through-out the entire process!

Lovely customer service from Gavin!

Called Pepper to discuss a declined DIP, spoke with Vicky Wilson who looked at the case and managed to have the DIP overturned. Excellent service offered by Vicky.

From start to finish excellent service. Pre application - Spoke with knowledgeable advisers who were able to make decisions and this sped up the process. Call from underwriter 1 day after submission - advising what was needed to progress the case. He also listened to the back story and made note of the circumstances, making it easier and simplifying the application process. Post offer, still a great service - customer very happy. Communication on this complex case better than most with a simple case.

Working with Pepper Money from the BDM, support team and Underwriter has been a wonderful experience. Everyone has gone above and beyond to look at ways to help the clients and have them at the heart of everything that they do.

They will get you onboard but if you want to borrow money as a second charge mortgage lender they will stop you from doing anything. We wanted to borrow with our main lender to put a new kitchen in and they wouldn’t allow it. They only allow you to borrow for repairs. They also decided to leave this decision until the last minute meaning that my remortgage with the main lender wouldn’t go through. Also to add, as I’ve now missed the deadline for the remortgage and now on a new rate Pepper lost me £700 in interest with my current lender, double what the payment used to be.

Commonsense and communication. A rare thing these days when it comes to mortgage underwriting and very refreshing when it happens. Two cases placed, which were never that straighforward, and yet both offered with no stress. Able to discuss with the underwriter throughout and Pepper proactive with updates. Pleasure to deal with guys. Thank you.

Great communication with this one! So pleased with the underwriter communications with this case. Email list and phone call following up. Rapport built and mutual understanding turned this case into offer very quickly. Why can't all mortgages be done like this? Well done Alex and well done Pepper Money.

It's a pleasure to deal with Tom Gwilliam when approaching Pepper for support. Tom rarely misses a call, and will always get a response out on the same day. He takes his time to listen and understand a case when you enquire, and is well versed on policy as it's rare he'll need to go away of call and come back to you. Many thanks Tom!

I had an issue with a valuer saying a property wasn't adequate security due to flood risk, I appealed this and Saeed the underwriter went above and beyond to help me and managed to get across the line against the valuers comments.

Straight forward process. Online system is simple and easy to complete/follow. All documents were reviewed in a timely manner. Whenever we had to call, the phones are answer very quickly and by a knowledgeable member of staff. Overall a great experience.

QUICK AND SEEMLESS

Excellent broker service by LUKE. I have never thought that person can be so helpful. I am overwhelmed by the service and knowledge.

Excellent service and would recommend highly.