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Help and support when you need it

Whether you need to make a payment, manage your mortgage online or find some practical tips, we’re here to help.

Payment information

Want to pay your mortgage in the way that suits you? Whether by direct debit, debit card, or electronic transfer, Pepper makes it easy.

Learn about your payment options

Manage your mortgage online with MyPepper

Want greater control over your mortgage account? Use MyPepper – our secure online portal that lets you access your account anytime.
  • Check your account summary, your balance or the date and amount of your next payment.
  • Make mortgage payments.
  • Complete a Standard Financial Statement (SFS) or an Income and Expenses Form (I&E) in your own time. You can save and return to it later. 
  • Access helpful forms and documents.
Login to MyPepper

Find the help you need

Understanding interest rates

Interest rates and how they are set can be confusing. So we pulled together all the information you need to learn about current interest rates and how recent changes may impact you.

Understanding interest rates

Money management resources

Whether you need help with budgeting, money management tips or want to make sense of some common financial jargon, our resources can help.

See all resources

Forms and documents

Searching for a specific form or document? No matter what you’re after, you can find it all in one handy place.

Find a form or document now

Redemptions – paying off your loan

Thinking about paying off your mortgage early? Learn what you need to know, and the steps involved.

Learn more

General FAQs

We will send you an account statement at least once a year. However, you can contact us to request a statement at any time.

Please see the Contact us page for our contact details.

If you are changing your address within Ireland, you can tell us by emailing comms@peppergroup.ie.

If you are changing your address outside of Ireland, we may require also the change of address documents listed below before we can make the change of address.

Please see the Contact us page for our contact details.

1. Proof of identity

A copy (a picture via camera phone or scanned copy as PDF) of one of the following:

  • Passport (Irish, EU or non-EU passport)
  • Driving licence (Irish, EU or non-EU driving licence)
  • National Identity Card (Irish, EU or non-EU national identity card)

Note: The document must be in date. It must show a clear photo, the expiry date and your signature. All other information must be fully legible. If the proof of identity document is in the form of a card, you must provide an image of both the front and back of the card.

 

2. Proof of address

A copy of a document as listed below showing your name and address dated within the last 6 months:

  • Utility bill (electricity, gas, landline phone, waste collection, etc.)
  • Bank statement (e.g. current statement of account from a credit or financial institution, or credit/debit card statements)
  • Tax notice from the Revenue Commissioners (or other official documentation issued by the Revenue Commissioners)
  • Social welfare document (or other official documentation issued by the Department of Social Protection)
  • Motor tax document
  • Home or motor insurance certificate or renewal notice

Note: You cannot use the same document for both your proof of identity and proof of address.

Please tell us if you find any incorrect personal data on any letters or documents we send you and we will change it as soon as possible.

You may be able to update your email and phone number on the Account Summary screen in the MyPepper portal. See if you can register on MyPepper.

Alternatively, please see the Contact us page for our contact details.

If you would like a copy of your personal data (information), you need to make your request in writing, signed by all parties (each person on the loan) who the access request relates to.

Each party must forward copies of their CDD documents as listed above.

If one party on a joint account is making the request, we need their photo ID, and we will provide them with their personal data only.

If all the parties on a joint account are making the request, they must all provide their IDs. The joint information will be issued in a pack to each person.

Please see the Contact us page for our contact details.

A breakdown of the interest charged will be included on your annual statement. If you have not received a statement, or if the statement does not cover the period from January to December in the previous year, please contact us to request a certificate of interest.

Please see the Contact us page for our contact details.

Yes. If you change your home insurance, you must send us a copy of the revised policy. Please ensure the policy notes the interest of Pepper Finance Corporation (Ireland) DAC.

Please see the Contact us page for our contact details.

If you make a claim on your insurance policy, any compensation may be paid by cheque addressed to both you (the borrower) and Pepper, as we are a notified party on the policy.

 

You should send the claim cheque to Pepper Advantage, along with any relevant supporting documents such as:

  • Proof that work has begun (where applicable)
  • Proof of costs incurred in repairing any loss or damage to the property and its contents
  • Before and after photos of damage and repairs to the property (where applicable)
  • Report carried out by the insurer and/or the loss assessor
  • Engineer’s report, if there was structural damage to the property

Please see the Contact us page for our contact details.

We sent you this letter because we received a cancellation notice from your insurer. It is important that you send us a copy of the new home insurance schedule, with the interest of Pepper Finance Corporation (Ireland) DAC noted.

Please see the Contact us page for our contact details.

Yes. If you change your life assurance policy, you should contact us and we will let you know the next steps.

Please see the Contact us page for our contact details.