The addition of Culshaw sees the sales team expand to five to strengthen support in North England.

Culshaw joins Pepper Money from Primis Mortgage Network where she was an area supervision manager.

Previously, she has worked at Fluent Money where she served as case manager before moving to the role of skills and excellence officer.

Culshaw will work alongside Claire Blunt, who was also appointed to the sales in North England last month, and Luke Edwards.

Pepper Money second charge sales director Ryan McGrath says: “I’m delighted to welcome Nicola to Pepper Money and know that she’ll be a valuable addition to our growing team.”

Culshaw adds: “I’m really excited to join Pepper Money, which continues to demonstrate that it’s the leading lender in the second charge market. We have exciting plans to work alongside our broker partners in helping to further grow the sector and I’m looking forward to working with the team and building on our great reputation.”