Money Worries

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

You can call us on 03333 701 102 (lines are open 9am-6pm, Monday to Friday) or email us at customerservice@pepper.money where one of our friendly team will be able to help.

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.

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

We understand the impact that inflation and the cost of living crisis could be having on you, if you’re worried about meeting your mortgage payments now or in the future, we’re here to help, you can contact one of our friendly team on 03333 701 102  (lines are open 9am-6pm, Monday to Friday)

During the call we’ll listen to your situation and work with you to try and find a suitable solution.

We have also set up a dedicated space on our website full of resources to help those customers who need a little extra support.

Complete a budget planner, download our Income and Expenditure form, this will show you what borrowing you’ve got, your fixed and variable costs and what money you’ve got left over each month to make towards repayment.

You could also check to see if you are eligible for any state benefits or tax credits or if you have an insurance policy that could help with meeting payments.

I’m behind in my mortgage payments and worried I can’t catch-up, what can I do?

We understand this can be a stressful situation to be in and we’re here to help. Please contact one of our friendly team as soon as possible on 0333 014 3125 (lines are open 9am to 5.30pm Monday to Friday). During the call we’ll listen to your situation and work with you to try and find a suitable solution, before calling you can complete our income and expenditure form. This will show us what borrowing you’ve got, your fixed and variable costs and what money you’ve got left over each month to make towards re-payments and one of the team will go through it with you on the call.

I haven’t lost my job but am going to struggle to make my monthly payment because of the cost of living crisis – can you help me?

We understand the impact that inflation and the cost of living crisis could be having on you, if you’re worried about meeting your mortgage payments now or in the future, we’re here to help. You can contact one of our friendly team on 0333 702 102 (lines are open 9am-6pm Monday to Friday). During the call we’ll listen to your situation and work with you to try and find a suitable solution. We have also setup a dedicated space on our website full of resource to help those customers who need a little extra support.

A good starting point can also be getting on top of your finances, download and complete our Income and Expenditure. This will show you what borrowing you’ve got, your fixed rate and variable costs and what money you’ve got left over each month to make towards repayments.

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

You can get free, independent and impartial advice from these organisations:

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

Repossession is always the last resort and we have a variety of options available to support you though difficult times. Repossession becomes an option if either we’re unable to agree an alternative solution or releasing you from the financial burden of mortgage payments is the preferred option.
If repossession is unavoidable, we are committed to:
  • sell the property for the best price we can obtain within a reasonable period of time
  • give you reasonable time to remove your possessions from your home.

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

Unfortunately, there are times where the sale of your home doesn’t cover the remaining mortgage. In that situation  you will still owe us the amount that is left over. We will contact you as soon as we can to tell you what this is and to work with you to arrange a payment plan. If this debt is not repaid it could affect whether you are able to get credit in the future. If we cannot arrange a suitable plan we may go to court to get out money back.

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Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

28th November

Responding to application portal broker messages on:

28th November

Reviewing applications sent to our underwriters on:

28th November

Working on applications received on:

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