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Forms and Documents
Here you will find a collection of useful forms, guides and leaflets to help you manage your mortgage account.
Note: PDF documents open in a new window.
Forms
Standard Financial Statement (SFS)
If you are having difficulties making mortgage repayments, or think you may have in the future, we will ask you to fill in an SFS. This will give us a full picture of your finances so we can work out how to help you. The SFS is used in the Mortgage Arrears Resolution Process (MARP) for people who have fallen behind with their mortgage repayments or are concerned that they might miss repayments.
This form can be completed on MyPepper (opens in new tab).
Income and Expenditure
(I&E)
This form gives us detailed information about your financial situation if you have fallen behind with your repayments or are concerned that you might miss repayments. It is used if you are outside the MARP on your residential mortgage or you have a mortgage for buy-to-let properties.
This form can be completed on MyPepper (opens in new tab).
Direct debit mandate
Use this form to set up a direct debit.
Documents
Pepper Variable Interest Rate Policy Statement
This statement summarises our policy for setting variable interest rates on mortgages, excluding tracker interest rates.
Mortgage Arrears Resolution Process (MARP)
Learn more about the four steps of the MARP here.
Consumer Guide to Completing a Standard Financial Statement
This guide from the Central Bank helps you complete the SFS (or I&E form), which is used for setting out your financial information. This guide is located in the CBI’s Consumer Hub. The below link opens in new tab.
Useful guides and leaflets
Abhaile information booklet
Abhaile is a service available through MABS to help homeowners in mortgage arrears to resolve their financial difficulties.
Information to Help Customers in Mortgage Arrears
This leaflet from the Banking & Payments Federation Ireland sets out the various options that may be available to borrowers in or at risk of mortgage arrears. It encourages you to talk to your lender about possible solutions.
Introduction to ‘the Mortgage to Rent’ (MTR) scheme
The MTR scheme is where you sell your home and stay in it, paying rent as a social housing tenant. This leaflet explains what the Mortgage to Rent scheme is and what it could mean for you.
Assisted Voluntary Sale (AVS)
AVS is where you get the support and assistance you need to sell your property at the best price, while the cost to you is kept as low as possible.
Find out more about the Pepper AVS scheme and why it may be right for you.
MABS (Money Advice and Budgeting Service)
This leaflet outlines the services and supports provided by MABS and gives the contact details.
Information Booklet for Small and Medium-Sized Enterprises (SMEs) in Financial Difficulties
This booklet outlines Pepper’s approach to helping SMEs deal with their financial problems.