Also known as: Pepper Money; Pepper (UK) Limited (former name)
Pepper Money is a specialist mortgage lender that provides residential mortgages to customers who may not qualify for a mortgage from a mainstream high street bank. This typically includes customers with recent credit issues such as missed payments, defaults, county court judgments, or a recent history of debt management.
Pepper Money assesses mortgage applications more holistically, taking into account the full circumstances of a borrower rather than using a purely automated credit score approach. This can make mortgages accessible to people at a point in their financial recovery when mainstream lenders would decline them.
Pepper Money offers products including residential mortgages, buy-to-let mortgages, and second charge mortgages. Rates are typically higher than those available from mainstream lenders, reflecting the additional risk. It is important to get independent mortgage advice before choosing a specialist mortgage lender to make sure the product is appropriate for your situation.
If you have a Pepper Money mortgage and need to contact them, details are available on their website at pepper.money. Their registered address is 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Pepper Money Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling with mortgage repayments, contact Pepper Money directly. Free help is also available from Citizens Advice and from the government's free Mortgage Charter scheme. StepChange can advise on mortgage arrears.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Pepper Money Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Residential mortgages; Buy-to-let mortgages; Second charge homeowner loans; Adverse credit / specialist mortgage products
Trading names and group notes
Formerly part of Pepper Group (Australian), now operating independently under KKR majority ownership. Bayview funds also hold a stake.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
5.0
Approximately 2,435 (as of mid-2026) reviews
Other review sources
Reviews predominantly from mortgage brokers praising BDM responsiveness and speed of case assessment.
Overall public sentiment
Overwhelmingly positive (5 stars on Trustpilot). Brokers highlight fast turnaround, common-sense underwriting and responsive BDMs. Some customer-facing complaints regarding high interest rates typical of specialist lending.
Review sources
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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