Insights

We turn our global data and analytics into valuable information, so that you can make insight-driven decisions to benefit your business and your customers’ financial experiences.

Report: Pace of UK Mortgage Payment Failures Slows in Q1

Eye icon 8 min|April 29, 2024

Changes in arrears growth and direct debit rejections reflect complex environment for borrowers Q1 data from Pepper Advantage’s UK portfolio shows a slowdown in the growth of mortgages in arrears.1 Overall arrears increased further in the first quarter of 2024, but the decelerating growth rate and...

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31 October 2023

UK Arrears Hit New High

This report is the latest in a series that tracks mortgage data across Pepper Advantage’s UK portfolio of over 100,000 residential mortgages. It is important to note at the outset that our portfolio has a higher composition of borrowers who qualify for needs-based support and are therefore more...

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06 September 2023

What is consumer duty?

Many have asked this question in the UK as the FCA’s new Consumer Duty rules have come into effect. While these rules don’t define consumer duty per se, they do require financial services firms to put consumer duty into practice by acting to “deliver good outcomes for retail customers.”

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