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    • myalphabetgirls
    • By myalphabetgirls 2nd Sep 18, 6:28 PM
    • 623Posts
    • 8,806Thanks
    myalphabetgirls
    Pepper money? Anyone have any experience good or bad please
    • #1
    • 2nd Sep 18, 6:28 PM
    Pepper money? Anyone have any experience good or bad please 2nd Sep 18 at 6:28 PM
    Just wondering if anyone has any experience, good for or bad, of Pepper money for UK market.

    When googling only negatives are apparent. I’m certain that’s not a true reflection of a company as most people I think only tend to review if they’ve had a bad experience.

    Anyone?
    Love, through the trees, past the sky, beyond the northern lights; and I won't let go. May your soul and spirt fly sweetheart x

    My alphabet-girls are with me every step of the way x
Page 6
    • JasonHand
    • By JasonHand 17th Dec 18, 9:54 AM
    • 118 Posts
    • 49 Thanks
    JasonHand
    Hi all... illness has prevented me from posting in the thread which I started. It’s nice to see sone new names.

    Well... drum roll... we exchanged contracts yesterday and completed today!!!!!!! We picked up our keys at 2pm!

    So we have done it!

    Couldn’t have done it without the tenacity patience and support of our broker who I would recommend to anyone. Several others before him messed us about with empty promises but we called in to our brokers office and he assured us he could help and he did!

    For interest we have been offered 2.74% fixed for 2 hrs ‘pepper 18’ I think it was called.

    Has taken since mud September but yay! Now a new chapter begins!

    Thank you all and good luck with your purchases. All will be good!

    Myalphabetgirls x
    Originally posted by myalphabetgirls
    Fantastic news for you, and a really great Christmas Present. We completed 10th December and we were so busy this weekend moving things from one house to the other.

    I'm glad to be at work today, it should be a restful day.
    • Lew602
    • By Lew602 10th Jan 19, 10:27 PM
    • 4 Posts
    • 0 Thanks
    Lew602
    Firstly thankyou to all that's posted in this thread. I've just received my paper work with the mortage offer. As with you all I've been super stressed all the way through. Very relaxed now.
    The one query I have is that in the charges pepper states the there will be a charge for peppers legal fees, to be paid to my solicitor. My solicitor has sent me an estimation of around 1300. I assumed this is all I would pay for solicitors cost. Did any one else pay an extra 660. Thank you in advance to anyone that reads this.
    • ACG
    • By ACG 11th Jan 19, 8:42 AM
    • 18,121 Posts
    • 9,874 Thanks
    ACG
    The solicitor does work for you and for the lender (Pepper in your case). The lender has to give an estimate of how much that work will cost, however that cost IS built in to the price you have been quoted usually and at £1300 it sounds very much like it has been.

    In effect it is £1300 not £1300 plus £660 - all other lenders quote solicitors fees in the illustration/offer.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
    • myalphabetgirls
    • By myalphabetgirls 12th Jan 19, 8:28 PM
    • 623 Posts
    • 8,806 Thanks
    myalphabetgirls
    Just an update.

    We exchanged and completed in 2 days in end - 14th December - hooray! and we are in! Thank you to our lovely patient broker and Pepper as a company for giving us a chance. Thank you also to the comments on this thread from all who contributed for helping me keep sane during a stressful time.

    It took 7 weeks to get an official offer from pepoer but in hindsight it was well worth the wait.

    We love our new house. Fresh start. New beginnings.

    Anyone about to embark on a pepoer money journey hang in there for the best is yet to come!
    Love, through the trees, past the sky, beyond the northern lights; and I won't let go. May your soul and spirt fly sweetheart x

    My alphabet-girls are with me every step of the way x
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