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Mortgage Lenders

Pepper Advantage is in the business of finding ways to help people live fulfilling financial lives.

Reinventing the mortgage market

We’re experienced in servicing commercial, residential, second-charge, buy-to-let, shared-ownership and help-to-buy mortgages. Our data-and-analytics systems enable us to predict borrower behaviour and portfolio trends, allowing you to make the right decisions to accelerate business growth.

Trusted by leading mortgage lending brands

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LATEST INSIGHTS

UK Mortgage Arrears Growth Stalls for First Time Since 2022

Q1 2025 data from Pepper Advantage’s UK mortgage portfolio shows that arrears growth has stalled for the first time since the cost-of-living crisis began in Q3 2022. The overall arrears growth rate for the UK was 0.0%, primarily driven by a 0.1% drop in the buy-to-let (BTL) arrears rate. This improvement in the BTL space was also reflected in the direct debit rejection (DDR) rate, which decreased by 7.1% compared to Q4 2024.


Explore the full report here
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Addressing mortgage market challenges

The residential mortgage-backed securities (RMBS) landscape has changed over the past few years. New parties have entered the sector affecting market share; regulations and underwriting standards have been updated and tightened.

Pepper Advantage works hand in hand with multiple financial establishments to focus on scenarios that exist beyond the remit of many mainstream lenders, or whose credit policies may not allow for specialist lending.

Entrepreneurial credit experts

Residential property lending is in our DNA. We have first-hand experience of developing mortgage products with a difference and servicing home-loan customers across multiple markets.

We consider every aspect of credit origination and loan lifecycle. Whether it’s performing, in early-state arrears or requiring active intervention, we have the expertise and the mindset to reach the best outcomes for all parties.

1

Manage governance and oversight

We have experience, credibility and a top level of governance, which means our mortgage lender client base always meet exacting standards.

2

Consumer-centric approach

Pepper Advantage always provides the highest levels of customer service, integrating with client teams to ensure their customers understand their options and feel a sense of control and optimism.

3

Continually evolving tech

Outsourcing functions to Pepper Advantage puts you in touch with the most evolved technological solutions and portfolio reporting, giving you competitive edge.

4

Onboarding expertise

At Pepper Advantage we have onboarded some of the biggest and most complex mortgage portfolios on the market. Our systems enable us to do this securely and effectively every time.

How we work with mortgage lenders

Asset classes
Commercial, residential, second-charge, buy-to-let, shared-ownership and help-to-buy mortgages

All figures represent the sum total as at 30 June 2023

Mortgage Lender clients

20

Mortgage borrowers serviced

300,000

S&P ranking

STRONG

We’ve maintained this rating since 2012 and have been included on S&P’s Global Select Servicer List

No growing pains with Pepper Advantage

Increasingly, mortgage lenders are being asked to keep up in a world of ever-growing regulatory needs, changing consumer demands, and greater technological investment. Outsourcing gives access to the latest tech and experts without the exorbitant costs associated with growing teams and developing complex internal processes.

We play a critical role in accelerating business growth for mortgage lenders, while helping them achieve positive results for their customers.

We play a critical role in accelerating business growth for mortgage lenders, while helping them achieve positive results for their customers.

By immersing in your brand

Pepper Advantage teams are fully trained in partner brand guidelines so they deliver on their service propositions, reflecting the right tone of voice and brand ‘feel’.

By ticking all the boxes

Our level of portfolio and operational reporting and data and analytics support a highly governed, compliant environment – and are often more advanced than inhouse systems available to mortgage lenders.

By being super flexible

Our data and analytics-led approach means we can work with the ebb and flow of the credit cycle, supporting your customers, as well as product changes and new servicing methods.

By handling complex scenarios

We have considerable experience across all aspects of the mortgage lending sector, and are able to respond to complicated consumer scenarios while supporting retention.

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