Pepper manages residential and buy-to-let mortgages on behalf of Irish retail banks and international investors. The company is rated “above average” by Standard & Poor’s for primary and special residential servicing.

We are experienced in managing residential loans in accordance with the Code of Conduct of Mortgage Arrears (CCMA). We devise innovative solutions and deliver a first-class service to all customers.

Primary Servicing

  • Customer service
  • Loan maintenance and administration
  • Storage of documentation (e.g. loan files, security deeds)
  • Payment processing
  • Maintenance of Tax Relief at Source (TRS)
  • Manage asset insurance and life cover
  • Outreach programmes
  • Reactive early arrears management
  • Trace activity

Special Servicing

  • Manage borrowers in accordance with CCMA – engage, and assess cooperation, circumstances and affordability
  • Offer and execute full suite of restructure/forbearance strategies
  • Offer and execute a range of consensual workout strategies
  • Initiate and manage enforcement proceedings
  • Asset management
  • Operate effective credit framework
  • Appoint and manage third-party suppliers

Why Pepper?

  • An effective and proven ability to drive customer engagement and improve cash collections across early and late-stage arrears accounts;
  • Loan restructuring and workout teams that are established and highly experienced, with a proven record of implementing a range of strategies and tools targeted at maximising loan recovery;
  • Significant experience servicing distressed and heavily impaired residential loan portfolios;
  • An effective model operating throughout Ireland and the UK;
  • Servicing teams supported by innovative IT systems;
  • A strong operational risk framework.


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