Pepper Money

We are aware of scams involving individuals being offered loans for an advanced upfront fee. With the fraudster posing as a representative of a financial services organisation. At Pepper Money we do not charge any fees before the application stage. We would not approach you directly in this way. Your broker will be able to tell you what fees and charges the product you’re applying for has, and when they will be charged. If you think you have been a victim of such a scam, please contact your bank immediately and report it to action fraud.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

A fast, simple and secure Homeowner loan from Pepper Money


We would like to hear from you if you are unhappy with our products or conduct.

We have a Complaints Procedure that includes clear standards so that you know what to expect from us.

Contacting us won’t impact your credit score.

Information correct at: October 3, 2023 8:38 am
  • We manage complaints to the Financial Conduct Authority (“FCA”) regulatory standards and comply with Treating Customers Fairly guidelines.
  • If we are unable to resolve your complaint straight away, we will acknowledge your complaint in writing within 5 working days of receipt.
  • We take your complaint seriously and will investigate each of your concerns thoroughly, in a fair and impartial manner. Our aim will be to resolve your complaint as quickly as possible and we may contact you to obtain further information. We keep you updated on progress on a regular basis.
  • We will explain our position clearly and in easily understandable language, ensuring that we reply to each point that you have raised.
  • In most cases, you will receive a Final Response within 4 weeks of us receiving your complaint. However, in the unlikely event that we have been unable to complete our investigation and provide a response within 4 weeks, we will write to you with an update, explaining the reasons for the delay, along with details of when you can expect to receive our response.
  • If you remain dissatisfied or in the unlikely event of us not issuing our Final Response within 8 weeks, you have the option to refer the matter to the Financial Ombudsman Service.

Homeowner loan application complaint​

If you would like to discuss a complaint about your homeowner loan application, or pay-out, please contact us by phone, email or post:

Pepper Money, Complaints Department, 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ

Financial Ombudsman Service​

Should you wish to refer your complaint to the Financial Ombudsman Service (which you must do within 6 months of receiving our Final Response), the relevant contact details are:

The Financial Ombudsman Service will only be able to consider your complaint after you have either received our Final Response or 8 weeks have elapsed since your complaint was received, whichever is earlier.

The Financial Ombudsman Service
Exchange Tower
E14 9SR

Telephone: 0800 023 4567 or 0300 123 9123
Email: [email protected]