Question 1

How can I contact Pepper?

Accepted Answer

Email: comms@peppergroup.ie Phone numbers of different Pepper teams: Contact us We’re here to help: Monday to Friday, 9am to 5pm, excluding bank holidays and public holidays Write to us at: Pepper...

Question 2

Where can I get more information to help me with my finances?

Accepted Answer

We have a list of Useful contacts.

Question 3

What is a direct debit payment and how can I set one up?

Accepted Answer

A direct debit is a secure automatic payment you can set up. It authorises us to collect your monthly repayment from your bank account. The benefits are that the payment amounts are flexible and...

Question 4

How can I cancel a direct debit?

Accepted Answer

To cancel a direct debit payment, you must contact us at least 10 days before your next payment is due to be paid. Otherwise, the change cannot be made until the following month. To cancel a direct...

Question 5

If my monthly repayment changes, do I need to change my direct debit payment?

Accepted Answer

No. If your direct debit is not set up as a fixed direct debit, the repayment amount will automatically change to the new amount. You do not need to do anything.

Question 6

I currently make overpayments to my loan by a fixed direct debit amount. What do I need to do if my monthly repayment increases?

Accepted Answer

If interest rates change, your existing overpayment will not change. However, your current monthly repayment will be adjusted in line with any rate change, either up or down. You should contact us if...

Question 7

Can I change the date my mortgage is paid on?

Accepted Answer

Yes. You can change the date you pay your mortgage by contacting us to request a change. Please see the Contact us page for our contact details.

Question 8

Can I make an overpayment on my mortgage?

Accepted Answer

Yes. You can make an overpayment on your mortgage in two ways. You can make a lump sum payment and use it to either reduce your monthly scheduled repayment amount, or reduce your mortgage term. You...

Question 9

Can I reduce the term of my mortgage?

Accepted Answer

Yes. You can reduce the term of your mortgage by making one or more lump sum payments or increased monthly repayments off your mortgage balance and sending your request in writing. The request must...

Question 10

Can I pay by debit card?

Accepted Answer

Yes. If you have a mortgage or loan account with us, you can make a payment by a debit card in your name. You may be able to make a payment online on the MyPepper. If you are not yet registered on...

Question 11

Can I pay by credit card?

Accepted Answer

No. Payments cannot be made by credit card.

Question 12

Can I pay by electronic funds transfer (EFT)?

Accepted Answer

Yes. You can make payments by EFT from your bank account. To pay by EFT, you will need: Your bank account IBAN and BIC numbers and your mortgage account number. Pepper’s IBAN and BIC numbers. You may...

Question 13

Can I pay by cheque, bank draft or postal order?

Accepted Answer

Yes. To make a repayment by cheque, bank draft or postal order, you need to:' Make it payable to Pepper Finance Corporation (Ireland) DAC. Write your full name and mortgage account number on the...

Question 14

If my repayment changes and I pay by standing order what do I need to do?

Accepted Answer

You will need to make the necessary arrangements with your bank to amend your payment amount if your repayment changes.

Question 15

Do I need consent from Pepper Advantage to sell my Mortgage Property?

Accepted Answer

There are a number of factors to be considered if you wish to sell your property. Generally, if you only have 1 property with one loan agreement with Pepper Advantage and the sales proceeds will...

Question 16

Can I switch my mortgage to another lender?

Accepted Answer

Yes, and we actively work with customers wishing to switch their mortgage to another lender. We recommend you look at your mortgage options regularly because a different product from another lender...

Question 17

Do I need a solicitor to pay off my mortgage early?

Accepted Answer

It is always advisable to engage the services of a solicitor or legal professional when going through the redemption process.

Question 18

How do I access my deeds?

Accepted Answer

Your deeds will be released either to yourself or your solicitor once your mortgage has been paid in full. If your solicitor needs to see the deeds before settling your mortgage, they can request an...

Question 19

What happens once my mortgage account is closed?

Accepted Answer

The mortgage account will be closed once all funds have been paid. Once the closing process completes, your deeds will be released.

Question 20

What payment methods do you accept for final redemption payments?

Accepted Answer

We accept Bank draft, Cheque or EFT (Electronic fund transfer).

Question 21

1. Introduction

Accepted Answer

We are Pepper Finance Corporation (Ireland) DAC trading as Pepper Advantage, Pepper Asset Servicing and Pepper Money (“Pepper”, “us”,”we”,”our”). We are a member of the Pepper group of companies. Our...

Question 22

2. Why Pepper collects and uses your personal information

Accepted Answer

We collect and process your personal information for a variety of reasons and we rely on a number of legal bases for doing so including: 2.1 To enter into and for the performance of a contract We...

Question 23

3. Types of personal information we collect and how it is used

Accepted Answer

We collect and process various categories of personal information at the start of and for the duration of your relationship with us. We limit the collection and processing of personal information to...

Question 24

4. Your rights in relation to the personal information you have given to Pepper

Accepted Answer

You have a number of rights in relation to the personal information which Pepper holds about you. If you choose to exercise any of these rights, we may ask you to verify your identity by providing us...

Question 25

5. How do we use Automated Decision Making

Accepted Answer

To help us make decisions quickly and to improve our service to customers, we may use automated decision making as part of our loan application process. This means that some parts of the decision...

Question 26

6. How do we use your personal information for direct marketing?

Accepted Answer

Sometimes we may want to make you aware of products and services which we think may be of interest to you based on the product or service you have already received from us, and the personal...

Question 27

7. How we keep your information safe

Accepted Answer

We make every attempt to ensure your personal information is protected and secure. We do this by considering data privacy when developing, designing, selecting and using new systems, products and...

Question 28

8. Who has access to your information and who do we share it with?

Accepted Answer

8.1 Staff and onsite suppliers Your personal information may be accessed by our staff including staff of other members of the Pepper group of companies in order to perform their duties and some of...

Question 29

9. How long do we retain your personal information?

Accepted Answer

By providing you with a loan, we create records that contain your personal information. Records can be held on a variety of media (physical or electronic) and formats. Your personal information is...

Question 30

10. Use of Pepper websites

Accepted Answer

10.1 Introduction This Data Privacy Notice, together with our Website Terms and Conditions, sets out the basis on which we will process any personal information we collect from you or that you...

Question 31

11. Updates to this Data Privacy Notice

Accepted Answer

This Data Privacy Notice may be updated from time to time. You will always find the most up to date version on our websites at www.pepper-advantage.ie or www.peppermoney.ie.

Question 32

12. How you can contact us

Accepted Answer

If you have any queries about your data protection rights or are making a complaint in relation to how we handle(d) your personal information, you can write to our Data Protection Officer, at the...

Question 33

13. Client Data Privacy Notices

Accepted Answer

OTTERHAM PROPERTY FINANCE DAC DATA PRIVACY NOTICE BELTANY PROPERTY FINANCE DESIGNATED ACTIVITY COMPANY (“BELTANY”) DATA PRIVACY NOTICE ENNIS PROPERTY FINANCE DESIGNATED ACTIVITY COMPANY (“ENNIS”)...

Question 34

What is a Direct Debit payment?

Accepted Answer

A direct debit is an automatic payment you can set up to pay your mortgage. If you wish to set up a direct debit, you can do so by either: Completing a direct debit form which we can post to you or...

Question 35

How can I amend or cancel a Direct Debit?

Accepted Answer

In order to amend a DD payment, you must contact PepperAdvantage before the DD is sent for processing. This is usually 10 days before your due date. Otherwise the amendment can’t be enforced until...

Question 36

What is an ATR?

Accepted Answer

ATR stands for Accountable Trust Receipt. When Title Deeds (property ownership documents) are required by your solicitor and there is a balance outstanding on the mortgage, the deeds are sent out on...

Question 37

Is there a fee to take the deeds on ATR?

Accepted Answer

Yes, there may be a fee charged for this service, please contact us at 0818 818 181 to confirm the applicable fee.

Question 38

What do I need to do to get the deeds sent out on ATR?

Accepted Answer

We can issue deeds on ATR if we receive the request from a Solicitor together with the written authority of all the borrowers on the account and the associated ATR fee.

Question 39

What is the turnaround time for sending the deeds out?

Accepted Answer

All deeds are held in a secured location offsite. It generally takes 10-15 working days from the time we receive the request from a Solicitor, together with a borrower authority and the associated...

Question 40

How are deeds sent?

Accepted Answer

Deeds are either sent to your solicitor by DX (Document Exchange used by Solicitors) or by registered post

Question 41

I’ve paid off my mortgage – how do I get my deeds?

Accepted Answer

Once you have paid off your mortgage loan, please send a written request to the following address confirming where you wish the deeds to be sent to. Pepper Advantage, 4310 Atlantic Avenue, Westpark...

Question 42

What is a ‘vacate / deeds on final receipt’?

Accepted Answer

When a mortgage is paid in full and the property is no longer relied on as security for any other mortgages, Pepper Advantage will release the charge with the property registration authority, this is...

Question 43

My Loan is repaid in full and I have received a letter notifying me of an interest rate increase.

Accepted Answer

If you have repaid your loan in full, you should disregard this letter as the interest rate change will not impact your loan.

Question 44

Do I need to amend my direct debit payment for changes to my monthly repayments?

Accepted Answer

No. If you pay your mortgage or loan by direct debit, generally the new repayment amount will be taken automatically.

Question 45

If my repayment amount changes and I pay by standing order, what do I need to do?

Accepted Answer

You will need to make the necessary arrangements with your bank to change your repayment amount.

Question 46

If my repayment changes and I pay by cheque, bank transfer (EFT), or debit card, what do I need to do?

Accepted Answer

You will need to amend the payment to the new amount.

Question 47

I am concerned that I won’t be able to make my mortgage repayments due to changes in interest rates or the cost of living. What should I do?

Accepted Answer

Don’t worry. We have a highly experienced team who will work with you to find a solution. Whatever the reason you’re having difficulty, please contact us now. The sooner we hear from you, the sooner...

Question 48

I have an alternative repayment arrangement (ARA). How does an ECB rate change affect it?

Accepted Answer

The ECB rate change will not affect the terms of your agreed ARA. However, the interest rate may increase or decrease in line with the ECB base rate. If you are making reduced payments as part of the...

Question 49

I have a personal insolvency arrangement (PIA). How does an ECB rate change affect it?

Accepted Answer

If you currently have a PIA, your repayment may stay as agreed. However, if the interest rate has not been fixed as part of the PIA and you have a tracker mortgage, the interest rate change will be...

Question 50

Are the interest rate changes consistent with the terms and conditions of my mortgage?

Accepted Answer

Yes, the interest rate changes are in line with the terms and conditions of your mortgage. Pepper will always honour a customer’s existing loan terms and conditions without exception, as required by...

Question 51

I have a split mortgage. How does an ECB rate change affect it?

Accepted Answer

A split mortgage restructures your mortgage by setting aside a portion of your loan for repayment at a later date. In most cases, no interest is charged on this portion. However, interest continues...

Question 52

Does Pepper benefit from interest rate increases?

Accepted Answer

No, Pepper does not receive any direct economic benefit from the increase in interest rates.

Question 53

I have a Price Promise product. Will my rate or repayments change when interest rates change?

Accepted Answer

Yes, Price Promise is a variable rate mortgage, with a margin which will never be more than between 1.4% and 1.5% over the ECB base rate. This means your interest rate will change when the ECB rate...

Question 54

Can I fix my interest rate on my mortgage?

Accepted Answer

No. We are not involved in new residential mortgage lending in Ireland, so we do not offer any fixed rate mortgages. We encourage residential mortgage customers to consider their options on a regular...

Question 55

How can I find out how much my new repayment will be if my interest rate changes?

Accepted Answer

We will write to inform you of the new monthly repayment amount and the date the new amount will take effect.

Question 56

I currently make overpayments to my loan by a fixed direct debit amount. What do I need to do if my monthly repayment increases?

Accepted Answer

Your existing overpayment will remain the same, unless you tell us you want to change it. However, your current monthly repayment will be adjusted in line with any rate change. You should contact us...

Question 57

What is a tracker mortgage?

Accepted Answer

A tracker mortgage is where the interest rate on the loan changes in line with another publicly available rate, such as the base rate set by the ECB. If the ECB base rate increases or decreases, the...

Question 58

Does Pepper offer fixed rate mortgages?

Accepted Answer

No, we do not offer any new mortgages. We are here to manage existing loans on behalf of lenders and to help mortgage holders resolve their financial difficulties. We encourage you to regularly...

Question 59

I am currently on a fixed rate, which will move to a tracker mortgage linked to the ECB interest rate at the end of the fixed rate period. How would an ECB rate change affect my loan?

Accepted Answer

ECB rate changes will not affect your loan while you are on a fixed rate. When your fixed rate period ends, your interest rate will move onto the ECB rate in use at that time. We will let you know in...

Question 60

I am currently on a fixed rate, which will move to a variable interest rate at the end of the fixed rate period. Can my loan be affected by rate changes?

Accepted Answer

The rate changes will not affect your loan while you are on a fixed rate. When your fixed rate period ends, your interest rate will move onto the prevailing variable interest rate at that time. We...

Question 61

What is a variable interest rate?

Accepted Answer

Variable interest rates can go up or down, depending on factors decided by your lender. The rates are not always linked to the European Central Bank’s (ECB) base rate. However, lenders often change...

Question 62

Do we have a standard variable interest rate?

Accepted Answer

No, our mortgages are on a range of different interest rates. We manage mortgages acquired from various other lenders. These lenders set the original interest rates on the mortgages, and they vary by...

Question 63

How do we make decisions on variable interest rates?

Accepted Answer

We hold the legal title to your loan and are responsible for managing it. We make decisions about changes to variable interest rates on behalf of the beneficial owner, (who ultimately ‘owns’ the...

Question 64

I have a variable interest rate mortgage. What do interest rate changes mean for my loan?

Accepted Answer

We will write to you in advance about changes to your interest rate. We’ll explain the reason for the change and how it will affect your payments.

	Ireland	Outside Ireland
For all Pepper residential loans;	0818 818 181	+353 61 236 928
For all Pepper commercial loans;	0818 882 241	+353 61 236 908
If your lender prior to the transfer of your loan to Pepper was Mint Funding Limited;	0818 239 239	+353 61 236 907
If your lender prior to the transfer of your loan to Pepper was Finance Ireland;	0818 995 995	+353 61 236 925
For Personal Insolvency;	0818 452 453	+353 61 236 933

	Ireland	Outside Ireland
If your mortgage is through MoCo	0818 210 255	+353 61 236 920

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