Home

Homeowner Loan

Linkedin Twitter Facebook Instagram
pepper-money-logo.png
Pepper money
Find a broker

Payments and Fees

If you have a mortgage with Pepper Money, here are the answers to some frequently asked questions about your account with Pepper Money from our customers.

If you can’t find what you’re looking for below or would like to talk to us about your mortgage you can call us on 03333 701 102 (lines are open 9am-6pm, 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.

Call Us
Email Us

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 are your fees?

To find out about our fees, download our Tariff of Charges here.

How do I make a payment/pay a fee?

Upon completion of your mortgage you were set up to make payments via direct debit. However, if you’re no longer making payments by direct debit and want to make an additional payment or pay a fee, there are a number of ways you can do so:

To pay by debit card, give our Customer Services team a call on 03333 701 102. Our agents are available Monday to Friday between 9am and 6pm, but you can pay through our automated system outside of these hours.

By cheque:

Please make it payable to Pepper Money, including your account number on the reverse of the cheque and send it to:

Pepper Money Customer Services
Harman House
1 George Street
Uxbridge
UB8 1QQ.

To set up a direct debit, standing order or bank transfer give us a call on 03333 701 102 to confirm the account details.

Can I repay part of my mortgage?

Yes. During your initial term you can pay up to 10% of the outstanding balance each year without having to pay an Early Redemption Charge (ERC). If you wish to repay more than 10% of the outstanding balance during your initial term you will be subject to an Early Repayment Charge.

When does my Early Repayment Charge (ERC) period end?

You can find details of your ERCs in your mortgage offer, or give our Customer Services team a call on 03333 701 102 (lines are open 9am-6pm, Monday to Friday) if you want to find out if you’ll need to pay this charge.

Excellent

Trustpilot

Our customers think we are Excellent

with more than 680 customer reviews

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

About Pepper Money

Pepper Money is the brand name used globally by all Pepper Group companies to market consumer finance products. In the UK, Pepper Money offers a range of residential, buy to let, and second charge mortgages to borrowers.

Pepper Money is part of the Pepper Group, a diversified, global financial services business, whose senior management team is some of the most experienced in the UK mortgage industry having built a long-lasting reputation for creating innovative, flexible home loan products and services. 

Pepper money

More information

Latest news

Contact us

Trustpilot

UK Mortgage Lending Ltd (UKMLL) t/a Pepper Money is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 710410 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. UKMLL is a member of the Finance and Leasing Association and follows its Lending Code as a provider of second charge regulated mortgages. Registered Office: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 08698121.

Pepper Money Limited t/a Pepper Money is authorised and regulated by the Financial Conduct Authority under Firm Registration Number 811609 as a provider of regulated mortgages. The FCA does not regulate our Buy to Let mortgages. Registered Office: Harman House, 1 George Street, Uxbridge, London UB8 1QQ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.

Information

Mortgage Service Levels

Intermediary Mortgages

Working on DIP referrals received on:

24th March

Responding to application portal broker messages on:

24th March

Reviewing applications sent to our underwriters on:

24th March

Working on applications received on:

24th March

Currently reviewing valuations received on:

24th March

Answering calls in less than (average speed):

< 1 Minutes
Trustpilot