Home » Customer » Help and Support » Money Worries

Money Worries

If you are currently experiencing money worries talk to us.
We might be able to help.

Have any further questions?

You can call us at 03333 701 102 from 9 am to 6 pm, Monday to Friday. Or email us at [email protected] where one of our friendly team will be able to help.

Contacting us won’t impact your credit score

If you choose to email us, we will respond to your message within 5 working days. This will either be via a telephone call or a letter in the post. If your request is urgent please call us.

Money Worries FAQ's

We understand the rise in the cost of living has increased the pressure on personal finances. If you’re concerned about falling behind with your payments let us know; the earlier you contact us, the sooner we will be able to help you. If you think you may be facing payment difficulties, do not be put off contacting us, even if you are up to date with payments.

You can contact us in different ways, including calling, emailing or writing to us, using the Contact Us page.

Our dedicated Customer Support team will work with you to find an appropriate solution based on your individual circumstances. They will aim to better understand your situation (this may include discussing your income and outgoings) and then consider potential support options; we will never ask you to pay more than you can afford.

Solution options (sometimes referred to as forbearance) can include both short term and long-term solutions, depending on your circumstances. They may include the following:

A payment arrangement to maintain your monthly payment and clear any missed payments over an affordable period
Reduced payments for an agreed period based upon what you can afford with reviews as your situation changes
Transfer to a different mortgage product which may reduce your payments
Temporary transfer to an Interest Only mortgage – so you are paying only the interest and not the capital
Time to allow you to get independent debt advice
Adding what is owed, or a proportion thereof, to your total mortgage balance. That means arrears will be added to the capital balance upon which interest is charged
Adjusting your interest rate for an agreed period, with reviews as your situation changes
Time to progress an option such as selling your property or remortgaging
Consent to let

IMPORTANT: These are based on your circumstances and affordability. Not all options are suitable or available for everyone. We will explain the options available and what the individual support would mean for you, including how any arrangement will be reported on your credit file. In addition, we will also explain the impact of any arrangement on your mortgage balance.

We always recommend you seek independent debt advice. Please see our help pages for contact details.

Glossary

Our glossary is Pepper Money’s guide to decoding the world of mortgage language. Find out more about what common terms actually mean.

img:is([sizes="auto" i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px;}.be-ix-link-block{}@-webkit-keyframes ha_fadeIn{0%{opacity:0;}to{opacity:1;}}@keyframes ha_fadeIn{0%{opacity:0;}to{opacity:1;}}@-webkit-keyframes ha_zoomIn{0%{opacity:0;-webkit-transform:scale3d(.3,.3,.3);transform:scale3d(.3,.3,.3);}50%{opacity:1;}}@keyframes ha_zoomIn{0%{opacity:0;-webkit-transform:scale3d(.3,.3,.3);transform:scale3d(.3,.3,.3);}50%{opacity:1;}}@-webkit-keyframes ha_rollIn{0%{opacity:0;-webkit-transform:translate3d(-100%,0,0) rotate3d(0,0,1,-120deg);transform:translate3d(-100%,0,0) rotate3d(0,0,1,-120deg);}to{opacity:1;}}@keyframes ha_rollIn{0%{opacity:0;-webkit-transform:translate3d(-100%,0,0) rotate3d(0,0,1,-120deg);transform:translate3d(-100%,0,0) rotate3d(0,0,1,-120deg);}to{opacity:1;}}@-webkit-keyframes ha_bounce{0%,20%,53%,to{-webkit-animation-timing-function:cubic-bezier(.215,.61,.355,1);animation-timing-function:cubic-bezier(.215,.61,.355,1);}40%,43%{-webkit-transform:translate3d(0,-30px,0) scaleY(1.1);transform:translate3d(0,-30px,0) scaleY(1.1);-webkit-animation-timing-function:cubic-bezier(.755,.05,.855,.06);animation-timing-function:cubic-bezier(.755,.05,.855,.06);}70%{-webkit-transform:translate3d(0,-15px,0) scaleY(1.05);transform:translate3d(0,-15px,0) scaleY(1.05);-webkit-animation-timing-function:cubic-bezier(.755,.05,.855,.06);animation-timing-function:cubic-bezier(.755,.05,.855,.06);}80%{-webkit-transition-timing-function:cubic-bezier(.215,.61,.355,1);transition-timing-function:cubic-bezier(.215,.61,.355,1);-webkit-transform:translate3d(0,0,0) scaleY(.95);transform:translate3d(0,0,0) scaleY(.95);}90%{-webkit-transform:translate3d(0,-4px,0) scaleY(1.02);transform:translate3d(0,-4px,0) scaleY(1.02);}}@keyframes ha_bounce{0%,20%,53%,to{-webkit-animation-timing-function:cubic-bezier(.215,.61,.355,1);animation-timing-function:cubic-bezier(.215,.61,.355,1);}40%,43%{-webkit-transform:translate3d(0,-30px,0) scaleY(1.1);transform:translate3d(0,-30px,0) scaleY(1.1);-webkit-animation-timing-function:cubic-bezier(.755,.05,.855,.06);animation-timing-function:cubic-bezier(.755,.05,.855,.06);}70%{-webkit-transform:translate3d(0,-15px,0) scaleY(1.05);transform:translate3d(0,-15px,0) scaleY(1.05);-webkit-animation-timing-function:cubic-bezier(.755,.05,.855,.06);animation-timing-function:cubic-bezier(.755,.05,.855,.06);}80%{-webkit-transition-timing-function:cubic-bezier(.215,.61,.355,1);transition-timing-function:cubic-bezier(.215,.61,.355,1);-webkit-transform:translate3d(0,0,0) scaleY(.95);transform:translate3d(0,0,0) scaleY(.95);}90%{-webkit-transform:translate3d(0,-4px,0) scaleY(1.02);transform:translate3d(0,-4px,0) scaleY(1.02);}}@-webkit-keyframes ha_bounceIn{0%,20%,40%,60%,80%,to{-webkit-animation-timing-function:cubic-bezier(.215,.61,.355,1);animation-timing-function:cubic-bezier(.215,.61,.355,1);}0%{opacity:0;-webkit-transform:scale3d(.3,.3,.3);transform:scale3d(.3,.3,.3);}20%{-webkit-transform:scale3d(1.1,1.1,1.1);transform:scale3d(1.1,1.1,1.1);}40%{-webkit-transform:scale3d(.9,.9,.9);transform:scale3d(.9,.9,.9);}60%{opacity:1;-webkit-transform:scale3d(1.03,1.03,1.03);transform:scale3d(1.03,1.03,1.03);}80%{-webkit-transform:scale3d(.97,.97,.97);transform:scale3d(.97,.97,.97);}to{opacity:1;}}@keyframes ha_bounceIn{0%,20%,40%,60%,80%,to{-webkit-animation-timing-function:cubic-bezier(.215,.61,.355,1);animation-timing-function:cubic-bezier(.215,.61,.355,1);}0%{opacity:0;-webkit-transform:scale3d(.3,.3,.3);transform:scale3d(.3,.3,.3);}20%{-webkit-transform:scale3d(1.1,1.1,1.1);transform:scale3d(1.1,1.1,1.1);}40%{-webkit-transform:scale3d(.9,.9,.9);transform:scale3d(.9,.9,.9);}60%{opacity:1;-webkit-transform:scale3d(1.03,1.03,1.03);transform:scale3d(1.03,1.03,1.03);}80%{-webkit-transform:scale3d(.97,.97,.97);transform:scale3d(.97,.97,.97);}to{opacity:1;}}@-webkit-keyframes ha_flipInX{0%{opacity:0;-webkit-transform:perspective(400px) rotate3d(1,0,0,90deg);transform:perspective(400px) rotate3d(1,0,0,90deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}40%{-webkit-transform:perspective(400px) rotate3d(1,0,0,-20deg);transform:perspective(400px) rotate3d(1,0,0,-20deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}60%{opacity:1;-webkit-transform:perspective(400px) rotate3d(1,0,0,10deg);transform:perspective(400px) rotate3d(1,0,0,10deg);}80%{-webkit-transform:perspective(400px) rotate3d(1,0,0,-5deg);transform:perspective(400px) rotate3d(1,0,0,-5deg);}}@keyframes ha_flipInX{0%{opacity:0;-webkit-transform:perspective(400px) rotate3d(1,0,0,90deg);transform:perspective(400px) rotate3d(1,0,0,90deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}40%{-webkit-transform:perspective(400px) rotate3d(1,0,0,-20deg);transform:perspective(400px) rotate3d(1,0,0,-20deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}60%{opacity:1;-webkit-transform:perspective(400px) rotate3d(1,0,0,10deg);transform:perspective(400px) rotate3d(1,0,0,10deg);}80%{-webkit-transform:perspective(400px) rotate3d(1,0,0,-5deg);transform:perspective(400px) rotate3d(1,0,0,-5deg);}}@-webkit-keyframes ha_flipInY{0%{opacity:0;-webkit-transform:perspective(400px) rotate3d(0,1,0,90deg);transform:perspective(400px) rotate3d(0,1,0,90deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}40%{-webkit-transform:perspective(400px) rotate3d(0,1,0,-20deg);transform:perspective(400px) rotate3d(0,1,0,-20deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}60%{opacity:1;-webkit-transform:perspective(400px) rotate3d(0,1,0,10deg);transform:perspective(400px) rotate3d(0,1,0,10deg);}80%{-webkit-transform:perspective(400px) rotate3d(0,1,0,-5deg);transform:perspective(400px) rotate3d(0,1,0,-5deg);}}@keyframes ha_flipInY{0%{opacity:0;-webkit-transform:perspective(400px) rotate3d(0,1,0,90deg);transform:perspective(400px) rotate3d(0,1,0,90deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}40%{-webkit-transform:perspective(400px) rotate3d(0,1,0,-20deg);transform:perspective(400px) rotate3d(0,1,0,-20deg);-webkit-animation-timing-function:ease-in;animation-timing-function:ease-in;}60%{opacity:1;-webkit-transform:perspective(400px) rotate3d(0,1,0,10deg);transform:perspective(400px) rotate3d(0,1,0,10deg);}80%{-webkit-transform:perspective(400px) rotate3d(0,1,0,-5deg);transform:perspective(400px) rotate3d(0,1,0,-5deg);}}@-webkit-keyframes ha_swing{20%{-webkit-transform:rotate3d(0,0,1,15deg);transform:rotate3d(0,0,1,15deg);}40%{-webkit-transform:rotate3d(0,0,1,-10deg);transform:rotate3d(0,0,1,-10deg);}60%{-webkit-transform:rotate3d(0,0,1,5deg);transform:rotate3d(0,0,1,5deg);}80%{-webkit-transform:rotate3d(0,0,1,-5deg);transform:rotate3d(0,0,1,-5deg);}}@keyframes ha_swing{20%{-webkit-transform:rotate3d(0,0,1,15deg);transform:rotate3d(0,0,1,15deg);}40%{-webkit-transform:rotate3d(0,0,1,-10deg);transform:rotate3d(0,0,1,-10deg);}60%{-webkit-transform:rotate3d(0,0,1,5deg);transform:rotate3d(0,0,1,5deg);}80%{-webkit-transform:rotate3d(0,0,1,-5deg);transform:rotate3d(0,0,1,-5deg);}}@-webkit-keyframes ha_slideInDown{0%{visibility:visible;-webkit-transform:translate3d(0,-100%,0);transform:translate3d(0,-100%,0);}}@keyframes ha_slideInDown{0%{visibility:visible;-webkit-transform:translate3d(0,-100%,0);transform:translate3d(0,-100%,0);}}@-webkit-keyframes ha_slideInUp{0%{visibility:visible;-webkit-transform:translate3d(0,100%,0);transform:translate3d(0,100%,0);}}@keyframes ha_slideInUp{0%{visibility:visible;-webkit-transform:translate3d(0,100%,0);transform:translate3d(0,100%,0);}}@-webkit-keyframes ha_slideInLeft{0%{visibility:visible;-webkit-transform:translate3d(-100%,0,0);transform:translate3d(-100%,0,0);}}@keyframes ha_slideInLeft{0%{visibility:visible;-webkit-transform:translate3d(-100%,0,0);transform:translate3d(-100%,0,0);}}@-webkit-keyframes ha_slideInRight{0%{visibility:visible;-webkit-transform:translate3d(100%,0,0);transform:translate3d(100%,0,0);}}@keyframes ha_slideInRight{0%{visibility:visible;-webkit-transform:translate3d(100%,0,0);transform:translate3d(100%,0,0);}}.ha_fadeIn{-webkit-animation-name:ha_fadeIn;animation-name:ha_fadeIn;}.ha_zoomIn{-webkit-animation-name:ha_zoomIn;animation-name:ha_zoomIn;}.ha_rollIn{-webkit-animation-name:ha_rollIn;animation-name:ha_rollIn;}.ha_bounce{-webkit-transform-origin:center bottom;-ms-transform-origin:center bottom;transform-origin:center bottom;-webkit-animation-name:ha_bounce;animation-name:ha_bounce;}.ha_bounceIn{-webkit-animation-name:ha_bounceIn;animation-name:ha_bounceIn;-webkit-animation-duration:.75s;-webkit-animation-duration:calc(var(--animate-duration) * .75);animation-duration:.75s;animation-duration:calc(var(--animate-duration) * .75);}.ha_flipInX,.ha_flipInY{-webkit-animation-name:ha_flipInX;animation-name:ha_flipInX;-webkit-backface-visibility:visible !important;backface-visibility:visible !important;}.ha_flipInY{-webkit-animation-name:ha_flipInY;animation-name:ha_flipInY;}.ha_swing{-webkit-transform-origin:top center;-ms-transform-origin:top center;transform-origin:top center;-webkit-animation-name:ha_swing;animation-name:ha_swing;}.ha_slideInDown{-webkit-animation-name:ha_slideInDown;animation-name:ha_slideInDown;}.ha_slideInUp{-webkit-animation-name:ha_slideInUp;animation-name:ha_slideInUp;}.ha_slideInLeft{-webkit-animation-name:ha_slideInLeft;animation-name:ha_slideInLeft;}.ha_slideInRight{-webkit-animation-name:ha_slideInRight;animation-name:ha_slideInRight;}.ha-css-transform-yes{-webkit-transition-duration:var(--ha-tfx-transition-duration,.2s);transition-duration:var(--ha-tfx-transition-duration,.2s);-webkit-transition-property:-webkit-transform;transition-property:transform;transition-property:transform,-webkit-transform;-webkit-transform:translate(var(--ha-tfx-translate-x,0),var(--ha-tfx-translate-y,0)) scale(var(--ha-tfx-scale-x,1),var(--ha-tfx-scale-y,1)) skew(var(--ha-tfx-skew-x,0),var(--ha-tfx-skew-y,0)) rotateX(var(--ha-tfx-rotate-x,0)) rotateY(var(--ha-tfx-rotate-y,0)) rotateZ(var(--ha-tfx-rotate-z,0));transform:translate(var(--ha-tfx-translate-x,0),var(--ha-tfx-translate-y,0)) scale(var(--ha-tfx-scale-x,1),var(--ha-tfx-scale-y,1)) skew(var(--ha-tfx-skew-x,0),var(--ha-tfx-skew-y,0)) rotateX(var(--ha-tfx-rotate-x,0)) rotateY(var(--ha-tfx-rotate-y,0)) rotateZ(var(--ha-tfx-rotate-z,0));}.ha-css-transform-yes:hover{-webkit-transform:translate(var(--ha-tfx-translate-x-hover,var(--ha-tfx-translate-x,0)),var(--ha-tfx-translate-y-hover,var(--ha-tfx-translate-y,0))) scale(var(--ha-tfx-scale-x-hover,var(--ha-tfx-scale-x,1)),var(--ha-tfx-scale-y-hover,var(--ha-tfx-scale-y,1))) skew(var(--ha-tfx-skew-x-hover,var(--ha-tfx-skew-x,0)),var(--ha-tfx-skew-y-hover,var(--ha-tfx-skew-y,0))) rotateX(var(--ha-tfx-rotate-x-hover,var(--ha-tfx-rotate-x,0))) rotateY(var(--ha-tfx-rotate-y-hover,var(--ha-tfx-rotate-y,0))) rotateZ(var(--ha-tfx-rotate-z-hover,var(--ha-tfx-rotate-z,0)));transform:translate(var(--ha-tfx-translate-x-hover,var(--ha-tfx-translate-x,0)),var(--ha-tfx-translate-y-hover,var(--ha-tfx-translate-y,0))) scale(var(--ha-tfx-scale-x-hover,var(--ha-tfx-scale-x,1)),var(--ha-tfx-scale-y-hover,var(--ha-tfx-scale-y,1))) skew(var(--ha-tfx-skew-x-hover,var(--ha-tfx-skew-x,0)),var(--ha-tfx-skew-y-hover,var(--ha-tfx-skew-y,0))) rotateX(var(--ha-tfx-rotate-x-hover,var(--ha-tfx-rotate-x,0))) rotateY(var(--ha-tfx-rotate-y-hover,var(--ha-tfx-rotate-y,0))) rotateZ(var(--ha-tfx-rotate-z-hover,var(--ha-tfx-rotate-z,0)));}.happy-addon>.elementor-widget-container{word-wrap:break-word;overflow-wrap:break-word;}.happy-addon>.elementor-widget-container,.happy-addon>.elementor-widget-container *{-webkit-box-sizing:border-box;box-sizing:border-box;}.happy-addon:not(:has(.elementor-widget-container)),.happy-addon:not(:has(.elementor-widget-container)) *{-webkit-box-sizing:border-box;box-sizing:border-box;word-wrap:break-word;overflow-wrap:break-word;}.happy-addon p:empty{display:none;}.happy-addon .elementor-inline-editing{min-height:auto !important;}.happy-addon-pro img{max-width:100%;height:auto;-o-object-fit:cover;object-fit:cover;}.ha-screen-reader-text{position:absolute;overflow:hidden;clip:rect(1px,1px,1px,1px);margin:-1px;padding:0;width:1px;height:1px;border:0;word-wrap:normal !important;-webkit-clip-path:inset(50%);clip-path:inset(50%);}.ha-has-bg-overlay>.elementor-widget-container{position:relative;z-index:1;}.ha-has-bg-overlay>.elementor-widget-container:before{position:absolute;top:0;left:0;z-index:-1;width:100%;height:100%;content:"";}.ha-has-bg-overlay:not(:has(.elementor-widget-container)){position:relative;z-index:1;}.ha-has-bg-overlay:not(:has(.elementor-widget-container)):before{position:absolute;top:0;left:0;z-index:-1;width:100%;height:100%;content:"";}.ha-popup--is-enabled .ha-js-popup,.ha-popup--is-enabled .ha-js-popup img{cursor:-webkit-zoom-in !important;cursor:zoom-in !important;}.mfp-wrap .mfp-arrow,.mfp-wrap .mfp-close{background-color:transparent;}.mfp-wrap .mfp-arrow:focus,.mfp-wrap .mfp-close:focus{outline-width:thin;}.ha-advanced-tooltip-enable{position:relative;cursor:pointer;--ha-tooltip-arrow-color:black;--ha-tooltip-arrow-distance:0;}.ha-advanced-tooltip-enable .ha-advanced-tooltip-content{position:absolute;z-index:999;display:none;padding:5px 0;width:120px;height:auto;border-radius:6px;background-color:#000;color:#fff;text-align:center;opacity:0;}.ha-advanced-tooltip-enable .ha-advanced-tooltip-content::after{position:absolute;border-width:5px;border-style:solid;content:"";}.ha-advanced-tooltip-enable .ha-advanced-tooltip-content.no-arrow::after{visibility:hidden;}.ha-advanced-tooltip-enable .ha-advanced-tooltip-content.show{display:inline-block;opacity:1;}.ha-advanced-tooltip-enable.ha-advanced-tooltip-top .ha-advanced-tooltip-content,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-top .ha-advanced-tooltip-content{top:unset;right:0;bottom:calc(101% + var(--ha-tooltip-arrow-distance));left:0;margin:0 auto;}.ha-advanced-tooltip-enable.ha-advanced-tooltip-top .ha-advanced-tooltip-content::after,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-top .ha-advanced-tooltip-content::after{top:100%;right:unset;bottom:unset;left:50%;border-color:var(--ha-tooltip-arrow-color) transparent transparent transparent;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}.ha-advanced-tooltip-enable.ha-advanced-tooltip-bottom .ha-advanced-tooltip-content,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-bottom .ha-advanced-tooltip-content{top:calc(101% + var(--ha-tooltip-arrow-distance));right:0;bottom:unset;left:0;margin:0 auto;}.ha-advanced-tooltip-enable.ha-advanced-tooltip-bottom .ha-advanced-tooltip-content::after,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-bottom .ha-advanced-tooltip-content::after{top:unset;right:unset;bottom:100%;left:50%;border-color:transparent transparent var(--ha-tooltip-arrow-color) transparent;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}.ha-advanced-tooltip-enable.ha-advanced-tooltip-left .ha-advanced-tooltip-content,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-left .ha-advanced-tooltip-content{top:50%;right:calc(101% + var(--ha-tooltip-arrow-distance));bottom:unset;left:unset;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-advanced-tooltip-enable.ha-advanced-tooltip-left .ha-advanced-tooltip-content::after,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-left .ha-advanced-tooltip-content::after{top:50%;right:unset;bottom:unset;left:100%;border-color:transparent transparent transparent var(--ha-tooltip-arrow-color);-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-advanced-tooltip-enable.ha-advanced-tooltip-right .ha-advanced-tooltip-content,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-right .ha-advanced-tooltip-content{top:50%;right:unset;bottom:unset;left:calc(101% + var(--ha-tooltip-arrow-distance));-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-advanced-tooltip-enable.ha-advanced-tooltip-right .ha-advanced-tooltip-content::after,body[data-elementor-device-mode=tablet] .ha-advanced-tooltip-enable.ha-advanced-tooltip-tablet-right .ha-advanced-tooltip-content::after{top:50%;right:100%;bottom:unset;left:unset;border-color:transparent var(--ha-tooltip-arrow-color) transparent transparent;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-top .ha-advanced-tooltip-content{top:unset;right:0;bottom:calc(101% + var(--ha-tooltip-arrow-distance));left:0;margin:0 auto;}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-top .ha-advanced-tooltip-content::after{top:100%;right:unset;bottom:unset;left:50%;border-color:var(--ha-tooltip-arrow-color) transparent transparent transparent;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-bottom .ha-advanced-tooltip-content{top:calc(101% + var(--ha-tooltip-arrow-distance));right:0;bottom:unset;left:0;margin:0 auto;}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-bottom .ha-advanced-tooltip-content::after{top:unset;right:unset;bottom:100%;left:50%;border-color:transparent transparent var(--ha-tooltip-arrow-color) transparent;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-left .ha-advanced-tooltip-content{top:50%;right:calc(101% + var(--ha-tooltip-arrow-distance));bottom:unset;left:unset;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-left .ha-advanced-tooltip-content::after{top:50%;right:unset;bottom:unset;left:100%;border-color:transparent transparent transparent var(--ha-tooltip-arrow-color);-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-right .ha-advanced-tooltip-content{top:50%;right:unset;bottom:unset;left:calc(101% + var(--ha-tooltip-arrow-distance));-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}body[data-elementor-device-mode=mobile] .ha-advanced-tooltip-enable.ha-advanced-tooltip-mobile-right .ha-advanced-tooltip-content::after{top:50%;right:100%;bottom:unset;left:unset;border-color:transparent var(--ha-tooltip-arrow-color) transparent transparent;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}body.elementor-editor-active .happy-addon.ha-gravityforms .gform_wrapper{display:block !important;}.ha-scroll-to-top-wrap.ha-scroll-to-top-hide{display:none;}.ha-scroll-to-top-wrap.edit-mode,.ha-scroll-to-top-wrap.single-page-off{display:none !important;}.ha-scroll-to-top-button{position:fixed;right:15px;bottom:15px;z-index:9999;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-align:center;-webkit-align-items:center;align-items:center;-ms-flex-align:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;width:50px;height:50px;border-radius:50px;background-color:#5636d1;color:#fff;text-align:center;opacity:1;cursor:pointer;-webkit-transition:all .3s;transition:all .3s;}.ha-scroll-to-top-button i{color:#fff;font-size:16px;}.ha-scroll-to-top-button:hover{background-color:#e2498a;}.ha-particle-wrapper{position:absolute;top:0;left:0;width:100%;height:100%;}.ha-floating-element{position:fixed;z-index:999;}.ha-floating-element-align-top-left .ha-floating-element{top:0;left:0;}.ha-floating-element-align-top-right .ha-floating-element{top:0;right:0;}.ha-floating-element-align-top-center .ha-floating-element{top:0;left:50%;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}.ha-floating-element-align-middle-left .ha-floating-element{top:50%;left:0;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-floating-element-align-middle-right .ha-floating-element{top:50%;right:0;-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-floating-element-align-bottom-left .ha-floating-element{bottom:0;left:0;}.ha-floating-element-align-bottom-right .ha-floating-element{right:0;bottom:0;}.ha-floating-element-align-bottom-center .ha-floating-element{bottom:0;left:50%;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}.ha-editor-placeholder{padding:20px;border:5px double #f1f1f1;background:#f8f8f8;text-align:center;opacity:.5;}.ha-editor-placeholder-title{margin-top:0;margin-bottom:8px;font-weight:700;font-size:16px;}.ha-editor-placeholder-content{margin:0;font-size:12px;}.ha-p-relative{position:relative;}.ha-p-absolute{position:absolute;}.ha-p-fixed{position:fixed;}.ha-w-1{width:1%;}.ha-h-1{height:1%;}.ha-w-2{width:2%;}.ha-h-2{height:2%;}.ha-w-3{width:3%;}.ha-h-3{height:3%;}.ha-w-4{width:4%;}.ha-h-4{height:4%;}.ha-w-5{width:5%;}.ha-h-5{height:5%;}.ha-w-6{width:6%;}.ha-h-6{height:6%;}.ha-w-7{width:7%;}.ha-h-7{height:7%;}.ha-w-8{width:8%;}.ha-h-8{height:8%;}.ha-w-9{width:9%;}.ha-h-9{height:9%;}.ha-w-10{width:10%;}.ha-h-10{height:10%;}.ha-w-11{width:11%;}.ha-h-11{height:11%;}.ha-w-12{width:12%;}.ha-h-12{height:12%;}.ha-w-13{width:13%;}.ha-h-13{height:13%;}.ha-w-14{width:14%;}.ha-h-14{height:14%;}.ha-w-15{width:15%;}.ha-h-15{height:15%;}.ha-w-16{width:16%;}.ha-h-16{height:16%;}.ha-w-17{width:17%;}.ha-h-17{height:17%;}.ha-w-18{width:18%;}.ha-h-18{height:18%;}.ha-w-19{width:19%;}.ha-h-19{height:19%;}.ha-w-20{width:20%;}.ha-h-20{height:20%;}.ha-w-21{width:21%;}.ha-h-21{height:21%;}.ha-w-22{width:22%;}.ha-h-22{height:22%;}.ha-w-23{width:23%;}.ha-h-23{height:23%;}.ha-w-24{width:24%;}.ha-h-24{height:24%;}.ha-w-25{width:25%;}.ha-h-25{height:25%;}.ha-w-26{width:26%;}.ha-h-26{height:26%;}.ha-w-27{width:27%;}.ha-h-27{height:27%;}.ha-w-28{width:28%;}.ha-h-28{height:28%;}.ha-w-29{width:29%;}.ha-h-29{height:29%;}.ha-w-30{width:30%;}.ha-h-30{height:30%;}.ha-w-31{width:31%;}.ha-h-31{height:31%;}.ha-w-32{width:32%;}.ha-h-32{height:32%;}.ha-w-33{width:33%;}.ha-h-33{height:33%;}.ha-w-34{width:34%;}.ha-h-34{height:34%;}.ha-w-35{width:35%;}.ha-h-35{height:35%;}.ha-w-36{width:36%;}.ha-h-36{height:36%;}.ha-w-37{width:37%;}.ha-h-37{height:37%;}.ha-w-38{width:38%;}.ha-h-38{height:38%;}.ha-w-39{width:39%;}.ha-h-39{height:39%;}.ha-w-40{width:40%;}.ha-h-40{height:40%;}.ha-w-41{width:41%;}.ha-h-41{height:41%;}.ha-w-42{width:42%;}.ha-h-42{height:42%;}.ha-w-43{width:43%;}.ha-h-43{height:43%;}.ha-w-44{width:44%;}.ha-h-44{height:44%;}.ha-w-45{width:45%;}.ha-h-45{height:45%;}.ha-w-46{width:46%;}.ha-h-46{height:46%;}.ha-w-47{width:47%;}.ha-h-47{height:47%;}.ha-w-48{width:48%;}.ha-h-48{height:48%;}.ha-w-49{width:49%;}.ha-h-49{height:49%;}.ha-w-50{width:50%;}.ha-h-50{height:50%;}.ha-w-51{width:51%;}.ha-h-51{height:51%;}.ha-w-52{width:52%;}.ha-h-52{height:52%;}.ha-w-53{width:53%;}.ha-h-53{height:53%;}.ha-w-54{width:54%;}.ha-h-54{height:54%;}.ha-w-55{width:55%;}.ha-h-55{height:55%;}.ha-w-56{width:56%;}.ha-h-56{height:56%;}.ha-w-57{width:57%;}.ha-h-57{height:57%;}.ha-w-58{width:58%;}.ha-h-58{height:58%;}.ha-w-59{width:59%;}.ha-h-59{height:59%;}.ha-w-60{width:60%;}.ha-h-60{height:60%;}.ha-w-61{width:61%;}.ha-h-61{height:61%;}.ha-w-62{width:62%;}.ha-h-62{height:62%;}.ha-w-63{width:63%;}.ha-h-63{height:63%;}.ha-w-64{width:64%;}.ha-h-64{height:64%;}.ha-w-65{width:65%;}.ha-h-65{height:65%;}.ha-w-66{width:66%;}.ha-h-66{height:66%;}.ha-w-67{width:67%;}.ha-h-67{height:67%;}.ha-w-68{width:68%;}.ha-h-68{height:68%;}.ha-w-69{width:69%;}.ha-h-69{height:69%;}.ha-w-70{width:70%;}.ha-h-70{height:70%;}.ha-w-71{width:71%;}.ha-h-71{height:71%;}.ha-w-72{width:72%;}.ha-h-72{height:72%;}.ha-w-73{width:73%;}.ha-h-73{height:73%;}.ha-w-74{width:74%;}.ha-h-74{height:74%;}.ha-w-75{width:75%;}.ha-h-75{height:75%;}.ha-w-76{width:76%;}.ha-h-76{height:76%;}.ha-w-77{width:77%;}.ha-h-77{height:77%;}.ha-w-78{width:78%;}.ha-h-78{height:78%;}.ha-w-79{width:79%;}.ha-h-79{height:79%;}.ha-w-80{width:80%;}.ha-h-80{height:80%;}.ha-w-81{width:81%;}.ha-h-81{height:81%;}.ha-w-82{width:82%;}.ha-h-82{height:82%;}.ha-w-83{width:83%;}.ha-h-83{height:83%;}.ha-w-84{width:84%;}.ha-h-84{height:84%;}.ha-w-85{width:85%;}.ha-h-85{height:85%;}.ha-w-86{width:86%;}.ha-h-86{height:86%;}.ha-w-87{width:87%;}.ha-h-87{height:87%;}.ha-w-88{width:88%;}.ha-h-88{height:88%;}.ha-w-89{width:89%;}.ha-h-89{height:89%;}.ha-w-90{width:90%;}.ha-h-90{height:90%;}.ha-w-91{width:91%;}.ha-h-91{height:91%;}.ha-w-92{width:92%;}.ha-h-92{height:92%;}.ha-w-93{width:93%;}.ha-h-93{height:93%;}.ha-w-94{width:94%;}.ha-h-94{height:94%;}.ha-w-95{width:95%;}.ha-h-95{height:95%;}.ha-w-96{width:96%;}.ha-h-96{height:96%;}.ha-w-97{width:97%;}.ha-h-97{height:97%;}.ha-w-98{width:98%;}.ha-h-98{height:98%;}.ha-w-99{width:99%;}.ha-h-99{height:99%;}.ha-multi-layer-parallax--yes .ha-multi-layer-parallax img,.ha-w-100{width:100%;}.ha-h-100{height:100%;}.ha-flex{display:-webkit-box !important;display:-webkit-flex !important;display:-ms-flexbox !important;display:flex !important;}.ha-flex-inline{display:-webkit-inline-box !important;display:-webkit-inline-flex !important;display:-ms-inline-flexbox !important;display:inline-flex !important;}.ha-flex-x-start{-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;}.ha-flex-x-end{-webkit-box-pack:end;-ms-flex-pack:end;-webkit-justify-content:flex-end;justify-content:flex-end;}.ha-flex-x-between{-webkit-box-pack:justify;-ms-flex-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;}.ha-flex-x-around{-ms-flex-pack:distribute;-webkit-justify-content:space-around;justify-content:space-around;}.ha-flex-x-even{-webkit-box-pack:space-evenly;-ms-flex-pack:space-evenly;-webkit-justify-content:space-evenly;justify-content:space-evenly;}.ha-flex-x-center{-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;}.ha-flex-y-top{-webkit-box-align:start;-webkit-align-items:flex-start;align-items:flex-start;-ms-flex-align:start;}.ha-flex-y-center{-webkit-box-align:center;-webkit-align-items:center;align-items:center;-ms-flex-align:center;}.ha-flex-y-bottom{-webkit-box-align:end;-webkit-align-items:flex-end;align-items:flex-end;-ms-flex-align:end;}.ha-multi-layer-parallax--yes .ha-multi-layer-parallax{position:absolute;display:block;background-repeat:no-repeat;}.ha-multi-layer-parallax--yes .ha-multi-layer-parallax-left{left:0;}.ha-multi-layer-parallax--yes .ha-multi-layer-parallax-center{left:50%;}.ha-multi-layer-parallax--yes .ha-multi-layer-parallax-right{right:0;}.ha-multi-layer-parallax--yes .ha-multi-layer-parallax-top{top:0;}.ha-multi-layer-parallax--yes .ha-multi-layer-parallax-vcenter{top:50%;}.ha-multi-layer-parallax--yes .ha-multi-layer-parallax-vcenter:not(.ha-multi-layer-parallax-center){-webkit-transform:translateY(-50%);-ms-transform:translateY(-50%);transform:translateY(-50%);}.ha-multi-layer-parallax--yes .ha-multi-layer-parallax-center.ha-multi-layer-parallax-vcenter{-webkit-transform:translate(-50%,-50%);-ms-transform:translate(-50%,-50%);transform:translate(-50%,-50%);}.ha-multi-layer-parallax--yes .ha-multi-layer-parallax-bottom{bottom:0;}.elementor-swiper .swiper .elementor-swiper-button-prev{left:60px;}.elementor-swiper .swiper .elementor-swiper-button-next{right:60px;}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}@media screen and (max-height: 1024px){.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}@media screen and (max-height: 640px){.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}.algolia-search-highlight{background-color:#fffbcc;border-radius:2px;font-style:normal;}

Money Worries

Contacting us won’t impact your credit score

Money Worries FAQ's

What do I do if I can’t make my monthly payment?

What can Pepper Money do to help?

I'm behind on my mortgage or homeowner loan. Have you sent me a text to make a payment?

I’m behind in my payments and worried I can’t catch-up. What can I do?

I haven’t lost my job but will struggle to make my monthly payment because of the cost of living crisis. Can you help me?

What is the impact of falling into arrears on my mortgage payments?

Is there anyone you could recommend I speak to about my money worries?

Will I lose my home if I can’t meet my payments?

I'm at risk of losing my home and unsure of my options?

What happens if my home is repossessed, and the sale does not cover the mortgage outstanding?

Glossary