Pepper Money Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 7 years
Your funds are protected by FSCS
No FCA actions
Active company since 2018

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Website

pepper.money (opens in a new tab)
Phone number

0333 370 5555
Address

Pepper Money, 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ, United Kingdom

In the full report: 3 background checks

When pepper.money first appeared online, and whether it can receive email
What kind of line 0333 370 5555 is, and the other firm that gives it
Who else gives the postcode CF10 4BZ

Other names (1)

If you were contacted under any of these names, it is this firm.

Pepper Homeloans Trading name: A name it trades under now.

FCA permissions and consumer protection

Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (4 permissions)

Acting as a CBTL administrator
Acting as a CBTL lender
Administering a regulated mortgage contract
Entering into a regulated mortgage contract as lender

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 11279253 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 27 March 2018 (8 years old)
Registered office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ, Wales
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Laurence Morey	Director	Jun 1974	27 Mar 2018	32 other companies
Steven James Colsell	Director	Jul 1964	12 Aug 2020	157 other companies
Andrew James Voss	Director	Jul 1976	30 May 2023	27 other companies
Kimberley Bird	Director	Feb 1970	1 Jul 2024	5 other companies
James Desmond O'Shea	Director	Feb 1956	31 Mar 2025	None
Anthony John Keeble	Secretary	Not published	10 Jul 2024	–

Other companies run by these 5 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 208
closed down: 145
went insolvent: 3

In the full report: all 208 companies, named

What each company does, and whether it is still trading
Which of these 5 directors sit on each board, and since when
The 3 that went into liquidation or administration
The 15 on the FCA register
The 5 companies these 5 directors run together
All 8 people who have ever been directors, with their dates

Key dates in its history

Pepper Money’s history from the FCA register and Companies House, newest first.

Key events (5) All events (19)

2019

3 October 2019

Changed its registered name from "Pepper Money Limited"

FCA register

22 May 2019

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2018

27 March 2018

Incorporated at Companies House
Pepper Money (Pmb) Limited took control (75–100% of shares)

Companies House

In the full report: all 19 events

All 19 events in its history (5 shown here)
Every director appointment and resignation: 11

Firms connected to Pepper Money

Other FCA-listed firms that share a director, phone number or address with Pepper Money. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 6
no longer authorised: 1
share a director: 2

In the full report: all 6 connected firms, named

How each is linked: shared directors (2), the same phone number (1), the same postcode (4)
Who links each one: the named directors, with dates
10 past links through former directors

Firms like Pepper Money

Other firms of the same type (mortgage lender), nearest first.

In Cardiff

Admiral Financial Services LimitedCardiffAuthorised UK Mortgage Lending LtdCardiffAuthorised Elderbridge LimitedCardiffAuthorised Interbridge Mortgages LimitedCardiffAuthorised Target Servicing LimitedCardiffAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Pepper Money

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

208 other companies its directors have run, named
3 background checks on its contact details
All 19 events in its history
6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Pepper Money Limited FCA authorised?

Yes, Pepper Money Limited (FRN 811609) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2019 and works as a mortgage lender. The FCA has placed no limits on its permissions.

What is Pepper Money’s phone number and website?

The FCA register lists the phone number 0333 370 5555 and the website pepper.money for Pepper Money. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Pepper Money a scam or clone?

Pepper Money is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

Is my money safe with Pepper Money?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Pepper Money to the Financial Ombudsman Service, free of charge.

Who owns Pepper Money?

Pepper Money is owned by Pepper Money (Pmb) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 27 March 2018.

Who runs Pepper Money?

Companies House lists 5 directors of Pepper Money: Laurence Morey, Steven James Colsell, Andrew James Voss, Kimberley Bird and James Desmond O'Shea.

How long has Pepper Money been in business?

The company was formed on 27 March 2018, and has held its current FCA authorisation since May 2019.

Does Pepper Money use any other names?

It trades as Pepper Homeloans.