Pepper Advantage United Kingdom

London aerial view with Tower Bridge in sunset time

sunset near Trafalgar square, London, UK

About us

The UK arm of Pepper Advantage was established in 2013, and today we’re one of the most successful and dynamic loan-servicing businesses throughout the four home nations. With offices in London and the North of England, Pepper Advantage UK employs around 330 people and has approximately US$25 billion in assets under management. Key sectors include commercial and residential mortgages, including prime, near-prime and non-conforming, and SME loans.

What we can offer

Our credit management solutions are made up of primary, special, master and standby servicing as well as back-office functions, meaning we can maintain and manage all loans in a portfolio efficiently and in line with agreed service levels and overall client standards and expectations.

Our business in numbers

As at 31 December 2022

Assets Under Management (USD)

25bn

Clients

Asset Classes (currently servicing)

Employees

330

We work with the most trusted brands

Pepper Advantage UK clients include heavyweight incumbents and fintech disruptors, such as Metro Bank, Starling Bank, Lendinvest and NatWest Group, among many others. And we’re clearly doing something right – 2021 saw Pepper Advantage UK scoop up the prestigious Mortgage Finance Gazette Award for Best Loan Servicer. Other wins include the 2020 ABP Work Experience Award and the Financial Services Forum Award for Customer Service in 2019.

Our corporate responsibility

We also take corporate responsibility very seriously. That includes working to create a healthier company that focuses on diversity and inclusion, helping under-represented communities through financial support, and protecting our customers’ information against scammers and cyber-attacks. We’re particularly proud that our executive leadership team is 60% female, and that we have a board member dedicated to diversity and inclusion. You can read more about our commitment to the Treasury’s Women In Finance Charter here.

Improving the consumer experience

Pepper Advantage UK is in the business of finding ways to help people live fulfilling financial lives, whatever their particular journey. Our data and analytics systems enable us to predict trends and outcomes, which means our clients can make the right decisions for their customers – all while accelerating business growth.

By using the global Pepper Advantage group’s data-led Intelligence Platform, Pepper Advantage UK is able to make accurate forecasts, calculate consumer behaviour, and present the best solutions for clients.

Data-driven intelligence

Robust data, which we collect from throughout our global network before converting it into usable intelligence, sets us apart from our competitors and gives our clients the edge. It also enables us to think outside the box and come up with bespoke solutions to fit individuals – instead of bringing a one-size-fits-all resolution to the table.

A key part of Pepper Advantage UK’s approach is to fully adapt to partner clients’ brands, reflecting the inhouse tone of voice and reaching appropriate solutions for customers.

Looking to the future

With lenders and borrowers facing a less predictable market and ever-growing regulatory needs, now more than ever Pepper Advantage UK’s data-and-analytics-led approach can mean the difference between success and failure.

Stories from the UK

Insight

Are you prepared for the stress? Tracking the economic storm

November 01, 2022

As lenders and investors pass on rising interest rates over the coming months, all eyes will be on the underlying performance of borrowers.

Case study

Enabling scalability with enhanced tech servicing

March 10, 2022

Pepper Advantage partnered with LendInvest, taking control of servicing for all new and existing loans, as part of a move to free up the fintech lender’s time to focus on its long-term strategy.

Company news

Pepper Advantage passes £20 billion in UK assets under management , announces investment in specialist hub to support borrowers in financial difficulty

October 25, 2022

Global credit intelligence provider and specialist loan-servicer, Pepper Advantage, has passed £20bn in UK assets under management (AUM) reflecting strong growth in demand for its services

Information on Complaints
Gender Equality
Women In Finance Charter

Information on Complaints

Here you can find out about our service promise, complaints process and performance with addressing complaints.

Complaints information

Gender Equality

Here you can find out about Pepper's commitment to gender equality within the UK business.

Gender pay gap

Women In Finance Charter

Here you can find out about Pepper’s commitment to the Treasury’s Women in Finance Charter.

Women in finance charter

Get the full advantage

For answers to your questions and information on how Pepper Advantage UK’s tech-enabled business model and Intelligence Platform can help your business grow, click the button below.