In addition to the mortgages Pepper own, we service mortgages on behalf of third parties.
A residential mortgage can be for your home or an investment/buy-to-let (BTL) property. For any loan you have, if you fall behind in your repayments, and as a result your account is in arrears, or you are concerned about falling behind in your repayments, contact us as soon as possible.
If your mortgage is a primary residence and if it is regulated by the Central Bank of Ireland, the Code of Conduct on Mortgage Arrears (CCMA) applies. While the owner of your mortgage may not be a regulated entity, Pepper is regulated by the Central Bank of Ireland to undertake credit servicing.
What is a Primary Residence?
Your primary residence is usually your home. It is the property which is your main residence in the State or is the only residential property in the State owned by you.
What is a Buy-to-Let?
A buy-to-let (BTL) is a property let for residential purposes and is not considered to be your primary residence, unless it is the only residential property in the State owned by you.
Please contact us if you have a query about your mortgage or you are struggling to pay it.