Pepper money reviews is a specialist lender of secured homeowner loans (second-charge mortgages) and also offers specialist car loan products. It is a direct lender and acts as a wholesale funder for many mortgage brokers.

Pepper offers home loans that are available either as Full Doc – based on payslips or tax returns – or Alt Doc, where self-employed customers can provide alternative proof of income such as BAS, bank statements and accountants’ letters. It offers a range of variable and fixed rates, as well as a choice of repayment periods and options to make extra repayments without incurring penalties.

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You can find out more about Pepper’s products and fees by visiting its website, though it recommends contacting the company directly to speak to a mortgage advisor to discuss your individual circumstances. You can also use the online calculator on its website to get an idea of how much you may be able to borrow.

Pepper has a good customer rating, with an overall score of 4.7 out of five on Trustpilot, which the site classifies as ‘Excellent’. However, it has recently taken over the loan books of a number of its competitors who ran into financial trouble during the GFC and increased their interest rates, which has caused some irritation among borrowers. Those who have been affected by this issue have posted some negative reviews online, but in general it seems that most people are happy with their experience of working with the company.