Pepper (UK) Limited

Reference number: 484078

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Authorised by the FCA

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

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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When pepper-advantage.com 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 UB8 1QQ
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Other names (7)

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

  • Engage Commercial Trading name
  • Engage Credit Trading name
  • Pepper Advantage Trading name
  • Pepper Advantage UK Trading name
  • Engage Credit Limited Former name
  • Pepper Homeloans Former trading name
  • Pepper Money Former trading name

FCA permissions and consumer protection

  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (13 permissions)
  • Acting as a CBTL administrator
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Assisting in the administration and performance of a contract of insurance
  • Debt Administration
  • Debt-collecting
  • Entering into a regulated mortgage contract as lender
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • May control money if settlement through a mandate.
    The general requirement not to hold or control CLIENT MONEY does not restrict the firm from controlling CLIENT MONEY if it arises from an agreement under which the firm effects settlement through a mandate or otherwise.

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
06548489
Company status
Active
Company type
Private limited company
Incorporated
29 March 2008 (18 years old)
Registered office
Harman House, 1 George Street, Uxbridge, Middlesex, UB8 1QQ, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Fraser Mcleod Gemmell (Dr) Director Dec 1977 18 Aug 2020 18 other companies
Ganna Agafonova Director Apr 1978 14 Sep 2022 13 other companies
Aaron Richard Milburn Director Oct 1978 26 Jan 2024 10 other companies
Michael Thomas Gibbons Director Jun 1964 1 Sep 2025 4 other companies
Hillary Frances Elizabeth Ray (Dr) Director Sep 1963 1 Sep 2025 None

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
27
closed down
4
are FCA-registered
3

In the full report: all 27 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • The 12 companies these 5 directors run together
  • All 21 people who have ever been directors, with their dates
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Key dates in its history

Pepper (UK)’s history from the FCA register and Companies House, newest first.

Key events (7) All events (52)

2016

6 April 2016

  • Pepper Advantage Limited took control (75–100% of shares)

Companies House

2014

4 February 2014

  • Changed its registered name from "Engage Credit Limited"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

8 February 2013

  • FCA imposed a requirement (May control money if settlement through a mandate.)

FCA register

2008

22 August 2008

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

29 March 2008

  • Incorporated at Companies House

Companies House

In the full report: all 52 events

  • All 52 events in its history (7 shown here)
  • Every director appointment and resignation: 35
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Firms connected to Pepper (UK)

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

connected firms
4
share a director
3
share its phone number
1

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (3), the same phone number (1)
  • Who links each one: the named directors, with dates
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Firms like Pepper (UK)

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

Elsewhere in the UK

Yorkshire Bank Home Loans LimitedNewcastle-upon-TyneAuthorisedAviva Equity Release UK LimitedYorkAuthorisedAdmiral Financial Services LimitedCardiffAuthorisedLegal & General Home Finance LimitedSolihullAuthorisedPrudential Lifetime Mortgages LimitedLondonAuthorisedLV Equity Release LimitedBournemouthAuthorised

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 (UK)

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

  • 27 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 52 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Pepper (UK) Limited FCA authorised?
Yes, Pepper (UK) Limited (FRN 484078) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2008 and works as a mortgage lender. The FCA has placed a limit on what it may do.
What is Pepper (UK)’s phone number and website?
The FCA register lists the phone number 0333 370 5555 and the website pepper-advantage.com/pepper-advantage-uk for Pepper (UK). 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 (UK) a scam or clone?
Pepper (UK) 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 (UK)?
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 (UK) to the Financial Ombudsman Service, free of charge.
Who owns Pepper (UK)?
Pepper (UK) is owned by Pepper Advantage Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Pepper (UK)?
Companies House lists 5 directors of Pepper (UK): Fraser McLeod Gemmell (Dr), Ganna Agafonova, Aaron Richard Milburn, Michael Thomas Gibbons and Hillary Frances Elizabeth Ray (Dr).
How long has Pepper (UK) been in business?
The company was formed on 29 March 2008, and has held its current FCA authorisation since August 2008.
Does Pepper (UK) use any other names?
It trades as Engage Commercial, Engage Credit, Pepper Advantage and Pepper Advantage UK. It has previously used 3 other names: Engage Credit Limited, Pepper Homeloans and Pepper Money.

Sources and links

The full report on Pepper (UK) Limited

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