Homeowner Loan


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.

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
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.


Our customers think we are Excellent

with more than 680 customer reviews


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