Pepper money trustpilot  is a non-bank specialist lender that offers homeowner loans and equity loans. The lender currently has a rating of 4.7 out of five stars on Trustpilot, which the site equates to ‘Excellent’. Pepper’s customer service also receives high praise, with almost nine in ten customers giving the company full marks.

A homeowner loan with Pepper allows you to borrow up to 100% of the value of your property, minus your existing mortgage balance. This is higher than the maximum percentage offered by some secured lenders. However, borrowing against the full value of your home does carry more risk than securing the loan against just a portion of your equity.

The lender will assess your application and credit score to determine whether you qualify for a loan. If you do, the loan will generally be transferred to your bank account within a business day. However, this depends on your specific bank’s direct credit processing times.

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When you need to make repayments, Pepper’s online platform lets you manage your loan payments on a weekly, fortnightly or monthly basis. You can also use the platform to check your current balance and interest rates.

When you apply for a loan with Pepper, the lender will assess your credit profile and income to determine whether you qualify. For all of its products, Pepper uses Full Doc (if you can prove your income with payslips or tax returns) and Alt Doc (if you can provide alternative proof of income such as BAS statements or accountant letters). Pepper’s credit assessments are conducted by Experian.