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...

Direct debit rejections (DDRs) are the first indication of borrower stress that arise in our portfolio, and we can use them to predict levels of strain in the overall market. During the last six months of 2022, DDRs increased 7.85% across all our Spanish mortgage portfolios, a trend that correlates...

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

Today’s market landscape poses challenges that requires actionable data to resolve. The need for usable data means that the data alone is insufficient.

Pepper Advantage is certainly generating interest. When we announced our major transformation in late March, the market response was clear – we’d tapped into a genuine need and a hunger for change.