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

Making a payment

 

The following options are available to you to make a payment to your mortgage account.

Direct Debit

 

Direct Debit is the most secure and trusted way to pay. Recurring payments are easy to set up and will help make sure you never miss a payment. No monthly or follow up calls needed. It’s the way most customers prefer to pay.

  • There are a range of flexible payment dates, helping you easily schedule your bills.
  • Direct Debit payments come with a guarantee, so you are protected by these important safeguards.
  • It gives you peace of mind when payments are made automatically and avoids the risk of late payment fees.

To set up a direct debit, call us on 0818 818 181, our Agents can take your details over the phone and set the Direct Debit up immediately, or log on to MyPepper to download a Direct Debit form and send it back to us.

 

Debit Card

 

You can use a valid debit card in the name of the mortgage account holder to make a payment. It takes one working day to apply a debit card payment to your account.

 

For your convenience you can now make payments over the phone any time of the day without having to speak to an Agent. Call us on 0818 818 181  press option 1 – make a payment and you will be asked to verify your account number, last 4 digits of your phone number and date of birth and then proceed to make your payment. Alternatively you can make a secure debit card payment on MyPepper here.

Electronic Funds Transfer (EFT)

 

If you prefer to pay through electronic funds transfer (EFT), you will need your IBAN and BIC numbers and your mortgage account number. EFT payments can take up to three business days to reach your account.

 

FAQs

What is a Direct Debit payment?

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.

How can I amend or cancel a Direct Debit?
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. 
I would like to change the bank account I make my direct debit payments from. How do I do this?

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.

Do I need to change my direct debit payment for the increased monthly payment?
No, if you pay your Loan by direct debit, the new Loan repayment amount will be automatically taken when your Loan repayment changes.
I currently make overpayments to my Loan by a fixed Direct Debit amount, what do I need to do if my monthly repayment increases, i.e. following interest rate increases?
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. 
Can I change the date my Mortgage is paid on?
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.
Can I change the account my mortgage is paid from?

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.

Can I make an Overpayment on my Mortgage?

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. 
Can I pay by debit card and/or credit card?
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.
Can I pay by electronic funds transfer (EFT)?

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.

Can I pay by cheque or postal order?

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.

I pay by standing order/ cheque, Bank Transfer, Debit Card what do I need to do?
You will need to make the necessary arrangements to amend your payment amount when you receive the payment change notification letter.