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Need to make a payment to your mortgage account?
You have options

How to pay

You have 3 easy ways to pay your mortgage:

  • Direct debit
  • Debit card
  • Electronic funds transfer from your bank (EFT)
  •  

Direct debit

Direct debit is the most secure and trusted way to pay. It is an automatic regular payment on a date agreed with you.  
A direct debit is easy to set up and most of our customers pay this way. 

  • You have peace of mind as payments are made automatically on time.
  • You can choose your payment date – to help you manage your monthly bills on a convenient regular schedule.
  • Direct debit payments come with a guarantee, so your money is protected and you stay in control. 

To set up a direct debit, you can:

  • Call us on 0818 818 181. We'll take your details over the phone and set up the direct debit immediately.
    OR
  • Log on to the MyPepper and download a direct debit form. Simply fill it in, send it back to us and we’ll do the rest.
Log In to MyPepper

Debit card

 

You can use any debit card that is in the name of the mortgage account holder.
You can use your card to:

 

  • Pay online at any time by logging into MyPepper.
    OR
  • Pay by phone.  Call us anytime on 0818 818 181
    You need to press 1 to make a payment and then tell us:
    • Your mortgage account number
    • Last 4 digits of your phone number
    • Your date of birth
    Then follow the prompts to complete your payment.

Note: It takes 1 working day for your payment to show on your account.

Pay by debit card now

Electronic funds transfer (EFT)

 

Prefer to pay by bank transfer?

To set up an EFT, you’ll need:

  • IBAN and BIC of your loan account
  • Your loan account number
  • All this information is available on MyPepper or if you can't access MyPepper, please call us on 0818 818 181

To complete setting up the payment:

  • Go to your bank or financial institution (online or in-branch) 
  • Set up the payment using the BIC and IBAN details of your loan account
  • Include your loan account number in the transaction description or reference

Note: EFT payments can take up to 3 working days to reach your account.

 

Log in to MyPepper to find your details

FAQs

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 alternatively call 0818 818 181 and we will send a DDM form to you or take your details over the phone.  Note that you will need to know you BIC and IBAN number when filling out the form - you can find these on your current bank statement.

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 the following month. To cancel a DD payment you must contact your bank and notify Pepper Advantage of such cancellation. 

If you would like to change the account your Mortgage is paid from, please print out and complete the relevant Direct Debit Mandate (DDM) from My Pepper, or alternatively call 0818 818 181 and we will take your new account details over the phone or issue a DDM to you by post for completion.


When completing the DDM, ensure you include the NEW IBAN number of the account to be debited and return to the address listed on the form.

No, if you pay your Loan by direct debit, the new Loan repayment amount will be automatically taken when your Loan repayment changes.
Your existing overpayment will remain unchanged, however, if you wish to make further additional payments or if the increase will be more than the existing overpayment amount, you should contact us on the contact details provided and we will arrange for the overpayment amount to be changed. 
Yes, you can change the date you pay your mortgage by contacting us on 0818 818 181 and we will walk you through the steps to process your request.

If you would like to change the account your Mortgage is paid from, please print out and complete the relevant Direct Debit Mandate (DDM) by logging into My Pepper, or alternatively call 0818 818 181 and we will take your new account details over the phone or issue a DDM to you by post for completion.


When completing the DDM, ensure you include the NEW IBAN number of the account to be debited and return to the address listed on the form.

Yes, you can make an Overpayment on your mortgage, you can use a lump sum payment to either:-

  • Reduce your monthly scheduled repayment amount;
  • To reduce your mortgage term; or
  • You can increase your monthly mortgage repayments and use the additional payments to reduce your term or outstanding balance.  
    Please contact us if you wish to discuss these options. 
You can make a payment by debit card in the account holders name.

You can make a payment online by registering for the MyPepper portal by clicking here or alternatively you can call us on  0818 818 181 and we will take the payment over the phone.

Please note payments cannot be made by Credit card.

If you’d like to make an electronic funds transfer (EFT), you’ll need your IBAN & BIC numbers and your mortgage account number.

Please note if you hold more than 1 account with Pepper Advantage you will need to set up more than one payee for each account.

EFT payments can take up to 3 business days for the repayment to reach your mortgage account. Please log into MyPepper to get Peppers IBAN and BIC.

Yes, to make a payment by cheque, make it payable to Pepper Advantage and write your full name and mortgage account number on the back. 


Please allow ten working days for your cheque to clear. 


To make a payment by postal order or a bank draft. Please ensure that you write your full name and your mortgage account number on the back. Please allow ten working days for your payment to clear.

You will need to make the necessary arrangements to amend your payment amount when you receive the payment change notification letter.