Pepper mortgages reviews is a specialist lender for homeowners offering second-charge mortgages. It offers loans secured by your home, which means it can lend up to 90% of the property value (less any existing mortgage) – this is much higher than some lenders offer. You can apply online for a homeowner loan from Pepper using its callback service, where you’ll be contacted by a specialist mortgage advisor to discuss your individual requirements. You can also find more information about this lender and its products on the website.

Pepper claims to be open to applicants with all types of credit score and income levels, and it doesn’t have a minimum amount that you need to earn per year. However, it’s worth bearing in mind that it has fairly strict lending criteria and previous credit events might prevent you from being offered a loan.

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Another factor to consider is that Pepper is a closed fund – this means it’s no longer actively acquiring new customers and isn’t competing against other lenders for business. This could have a knock-on impact on its customer service and interest rates, as it’s not under the same pressures that other lenders are.

Overall, Pepper has received positive reviews from customers based on its customer service and expertise. It scores 4.7 out of five stars on Trustpilot – which is the equivalent of a ‘Excellent’ rating – with more than 460 reviews gathered to date. But remember, unsuccessful applications will negatively impact your credit score.