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.

Identity

Check their details

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.

Also trades as 4 other names
  • Engage Commercial
  • Engage Credit
  • Pepper Advantage
  • Pepper Advantage UK

Company details

From the company's Companies House record.

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)

Current directors and secretaries

Name Role Born Appointed
Fraser Mcleod Gemmell (Dr) Director Dec 1977 18 Aug 2020
Ganna Agafonova Director Apr 1978 14 Sep 2022
Aaron Richard Milburn Director Oct 1978 26 Jan 2024
Michael Thomas Gibbons Director Jun 1964 1 Sep 2025
Hillary Frances Elizabeth Ray (Dr) Director Sep 1963 1 Sep 2025
Vladislav Botic Director Apr 1975 23 Jun 2026

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • 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.

Check your FSCS cover →

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.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Engage Credit Limited

Names it no longer trades under

This firm has retired 2 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • Pepper Homeloans
  • Pepper Money

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Common questions

Frequently asked questions

Is Pepper (UK) Limited FCA authorised?
Yes, Pepper (UK) Limited (FRN 484078) is authorised by the FCA to carry out regulated activities.
Is my money safe with Pepper (UK)?
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.
Is Pepper (UK) a scam or clone?
Pepper (UK) is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Pepper (UK)'s Firm Reference Number (FRN)?
Pepper (UK)'s FRN is 484078. You can verify it on the FCA register.