Customer update 19 May 2023: Personal Insolvency Arrangements and the Tullamore Judgement

Media Statement 23 February 2023: Interest Rate Increases and Customer support and solutions

Media Statement, 16 December 2022: Customer support and solutions in response to ECB rates increases

Recent Interest Rate Increases and the Rising Cost of Living - We are here to Help

We are acutely aware this is a challenging time for many of our customers and our team is on hand to help anybody concerned about their ability to meet repayments, with a broad range of solutions which we can tailor to their individual situation.

We have set up a Helpline in response to interest rates increases and the rising cost of living. If you are concerned that you won't be able to meet your repayments as they fall due or you have already fallen behind on your repayments:

Call our Helpline on 0818 828 828

If you are experiencing financial difficulty, it's important to understand all the options available to you – so we've brought together some information to help you understand your options.

We're experienced in finding solutions

We have a highly experienced team who work with customers to find solutions if they can't meet their repayments, particularly for those customers who are more vulnerable to rising interest rates or the rising cost of living.

Whether you're having difficulty meeting your financial obligations in response to interest rate increases or rising costs of living, please let us know sooner rather than later so that we can try to help.

Finding a solution appropriate to your individual situation and affordability

We offer one of the broadest range of temporary and longer-term forbearance solutions in the Irish market. These solutions may include fixed reduced monthly repayments, interest only repayments, loan term extensions, arrears capitalisations or interest rate discounts.

While Pepper does not offer a fixed rate mortgage product, we do have the flexibility to implement solutions including interest rate discounts both for short term and extended periods based on affordability and an assessment of the customers individual circumstances.

Read more about the options available

Call our Helpline on 0818 828 828

Customer Support FAQs

Explore our frequently asked questions and answers to help you understand why interest rates are rising and what interest rate increases might mean for you if you have a Tracker or Variable Interest rate loan.

Explore our Customer Support FAQs

Withdrawal of Retail Banks from the Irish Market

If you are currently in the process of closing the current account your mortgage Direct Debit is paid from, you will need to update your Direct Debit so it is paid from your new current account. If you have not commenced the process to switch your current account, we would encourage you to engage with your retail bank to do this as soon as possible.

Information on switching bank accounts is available on the Citizens Information website

If you have queries in relation to your Direct Debit, please contact the Customer Support Team for Residential Loans on 0818 818 181 and for Commercial Loans on 0818 818 798.


Pepper is a market leading consumer finance business, third party loan servicer and asset manager.

We have a proven expertise in asset servicing and manage a wide range of assets including residential homeloans, commercial loans, equipment finance and consumer finance on behalf of our clients.

Headquartered in Australia, Pepper also has operations the UK, Spain, South Korea and, of course, here in Ireland..

How can we help?

Manage my Mortgage
Manage my Mortgage
Repayment Difficulties
Repayment Difficulties
Customer Support FAQ
Customer Support FAQ