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...

In the ever-evolving landscape of India's financial sector, the Reserve Bank of India (RBI) has recently implemented tighter norms for consumer loans, a strategic move to address the surge in unsecured lending. This regulatory shift, while crucial for maintaining the health of the financial system,...

As the leaves fall and the nights draw in, recent data from UK Finance and Pepper Advantage's own Q3 UK credit intelligence report paint a stark picture of the challenges facing the UK mortgage market this winter. The convergence of these reports signals a period of heightened financial stress for...

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...

UK trade envoys recently visited India as the two countries seek to conclude nearly two years of negotiations. Indian media are reporting that a deal could be reached by the end of the month. A deal would bring the two countries closer together and pave the way for deeper commercial cooperation.

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.”

In our previous article, Fraser Gemmell, Group CEO, took a look at the current market environment in the UK and some of the steps that can be taken to ease the financial stress we see rising alongside interest rates. He highlighted the importance of understanding a given situation through a...

Pepper Advantage is headquartered in the UK, where inflation, the rising cost of living, and interest rate rises dominate headlines, and borrowers are worried. Our call centres reflect the scale of this worry – we’re seeing more mortgage holders contacting us with concerns about what rising rates...

This report follows an article published in November 2022 that showed Direct Debit Rejection (DDR)1 rates were increasing across our portfolio, even as the rate of mortgages in arrears remained steady. It is important to note at the outset that our portfolio has a higher composition of borrowers...