General Customers

Pepper services mortgage loans on behalf of a number of third parties that own the loans. While the owner may not be a regulated entity, Pepper is regulated by the Central Bank of Ireland to undertake credit servicing. We are aware that the current economic climate has affected many people’s financial situations. Unforeseen life events can also have an effect. If your financial situation has changed for any reason and you are struggling to pay your mortgage, please contact us as soon as possible. There are options available, and we are will work with you to find a solution.

Document Downloads

Beltany Property Finance DAC (“Beltany”) Variable Interest Rate Policy Statement

This is a summary statement of Beltany’s policy for setting mortgage variable interest rates, excluding tracker interest rates.

Cheldon Property Finance DAC (“Cheldon”)Variable Interest Rate Policy Statement

This is a summary statement of Cheldon’s policy for setting mortgage variable interest rates, excluding tracker interest rates.

Ennis Property Finance DAC (“Ennis”) Variable Interest Rate Policy Statement

This is a summary statement of Ennis’s policy for setting mortgage variable interest rates, excluding tracker interest rates.

Feniton Property Finance DAC (“Feniton”) Variable Interest Rate Policy Statement

This is a summary statement of Feniton’s policy for setting mortgage variable interest rates, excluding tracker interest rates.

Gulland Property Finance DAC (“Gulland”) Variable Interest Rate Policy Statement

This is a summary statement of Gulland’s policy for setting mortgage variable interest rates, excluding tracker interest rates.

Kenmare Property Finance DAC (“Kenmare”) Variable Interest Rate Policy Statement

This is a summary statement of Kenmare’s policy for setting mortgage variable interest rates, excluding tracker interest rates.

Launceston Property Finance DAC (“Launceston”) Variable Interest Rate Policy Statement

This is a summary statement of Launceston’s policy for setting mortgage variable interest rates, excluding tracker interest rates.

Pentire Property Finance DAC (“Pentire”) Variable Interest Rate Policy Statement

This is a summary statement of Pentire’s policy for setting mortgage variable interest rates, excluding tracker interest rates.

Arrow Global Limited (“AGL”) Variable Interest Rate Policy Statement

This is a summary statement of AGL’s policy for setting mortgage variable interest rates, excluding tracker interest rates.

Padstow Assetco DAC (“Padstow”)Variable Interest Rate Policy Statement

This is a summary statement of Padstow’s policy for setting mortgage variable interest rates, excluding tracker interest rates.

MARP booklet

The MARP booklet provides borrowers in financial difficulty on their primary residence with information on the mortgage arrears resolution process.

Standard Financial Statement (SFS)

This form is used when in the MARP. It is designed to help you set out your  financial circumstances in detail.

Consumer Guide to Completing a Standard Financial Statement

The Consumer Guide to Completing a Standard Financial Statement will assist you in completing the Standard Financial Statement, which is used to set out your financial circumstances.

Abhaile

Abhaile is a service available through MABS to help homeowners find a resolution to home mortgage arrears. It provides free confidential and independent financial and legal advice and help from experts.   You can find out more about this service in the Abhaile Information Leaflet.

Information to Help Customers in Mortgage Arrears

The Banking & Payments Federation Ireland (BPFI) has launched a new information and advice leaflet for customers in mortgage arrears. This leaflet, clearly sets out the various options that may be available to distressed borrowers and encourages distressed borrowers to engage with their lenders in order to explore possible solutions.

Income and Expenditure form

This Income and Expenditure (I&E) form is used when a borrower is no longer in the arrears resolution process that corresponds to the MARP or for a buy-to-let mortgage where this MARP does not apply. It helps a borrower to set out their financial circumstances in detail.

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