Pepper Money Limited

Also known as: Pepper Money; Pepper (UK) Limited (former name)

Pepper Money is a UK specialist mortgage and secured loan lender, focusing on customers with complex credit histories or non-standard income who may not qualify with mainstream lenders. Operates intermediary-only model (broker distribution). Became a standalone FCA-regulated entity in March 2026 following regulatory approval of KKR's change-of-control transaction.

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Contact details

Websitehttps://www.pepper.money

Phone03333 701 102

EmailNot verified (no publicly listed general customer email; complaints submitted via website form)

Registered addressHarman House, 1 George Street, Uxbridge, London, UB8 1QQ

Customer contact addressPepper Money, Complaints Department, 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ

Visit Pepper Money Limited website ↗

Regulatory and company information

FCA Firm Reference Number811609

FCA statusAuthorised and regulated by the Financial Conduct Authority (FRN 811609). Previously also traded under UK Mortgage Lending Ltd (FRN 710410) prior to standalone transition.

Companies House number11279253

Company statusActive. In March 2026, Pepper Money received FCA approval for a change in regulatory control and became a standalone UK-regulated entity, separating from the wider Pepper Group. Majority-owned by KKR.

Parent companyKKR (majority owner as of March 2026; previously part of Pepper Group / Pepper Australia)

Check FCA Register ↗Check Companies House ↗

What they do

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.

Reviews and public sentiment

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 and social proof

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

https://uk.trustpilot.com/review/pepper.money

Sources and checks

Source URLs

https://find-and-update.company-information.service.gov.uk/company/11279253 https://register.fca.org.uk/s/firm?id=0010X00004AWXCmQAP https://www.pepper.money/contact-us/https://theintermediary.co.uk/2026/03/pepper-money-uk-becomes-standalone-regulated-entity-after-fca-approval/https://www.mortgagesolutions.co.uk/news/2026/03/20/pepper-money-breaks-away-from-group-to-become-standalone-entity/

Date checked

2026-06-05

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