We are aware of scams involving individuals being offered loans for an advanced upfront fee. With the fraudster posing as a representative of a financial services organisation. At Pepper Money we do not charge any fees before the application stage. We would not approach you directly in this way. Your broker will be able to tell you what fees and charges the product you’re applying for has, and when they will be charged. If you think you have been a victim of such a scam, please contact your bank immediately and report it to action fraud.
If you have a mortgage with Pepper Money, here are frequently asked questions about payments and fees on your account from our customers.
Yes, we use text messages to communicate with some customers and send secure payment links.
Once you’ve requested this, the message you receive will display from; ‘PEPPER’ on your phone. The link to make a payment that you request will contain the word Pay Thru, our payment partner.
If you’re unsure if a text is from us, one of our team will be happy to help you. You can give us a call Monday to Friday between 9am – 6pm on 03333 701 102. You can also make an automated payment by phone using the same telephone number, 24 hours a day.
When your mortgage was completed, you were set up to make payments by direct debit. However, if you’re no longer paying by direct debit and want to make an additional payment or pay a fee, there are a number of ways you can do so:
Call our Customer Services team on 03333 701 102 to pay by debit card. Our team is available Monday to Friday between 9 am and 6 pm. 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.
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.
You can find details of your ERC in your mortgage offer. Or email our Customer Services team at [email protected] to find out if you’ll need to pay this charge.
Have any further questions?
You can call us at 03333 701 102 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.
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.
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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: 4 Capital Quarter, Tyndall Street, Cardiff, CF10 4BZ. Registered in England and Wales under Company Number 11279253. Calls may be monitored or recorded for training, compliance and evidential purposes.
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