Pepper Money: digital health score 74/100

We reviewed Pepper Money (pepper.money) for the Mortgage Lending Digital Audit, Credit Canary’s independent study of 27 UK mortgage lenders built only from public information. Pepper Money’s digital health score is 74 out of 100: the top third of the sector, and 6th of 25 overall. Measured across the set, Pepper Money is 6 points above the sector median of 68. Its strongest area is measurement, at 95 out of 100, well ahead of the 54 mortgage lender average, so whether the firm can see what is working is already working. The biggest gain is in mobile speed: 37 against the 57 average, and the quickest way to climb the table.

For measurement, 95 out of 100 is comfortably above the 54 average: whether the firm can see what is working. Accessibility scored 89, 3 points below the 92 average, covering being usable for everyone, an Equality Act duty. On findability, Pepper Money scored 86, just above the 82 average (showing up and making sense to Google). Mobile speed: 37 out of 100, 20 points below the 57 mortgage lender average. That covers how fast the site feels on a phone. The full breakdown, with the exact pages we tested and the fixes that would help Pepper Money most, is in the free report.