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Mortgage Lenders

Reinventing the mortgage market


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

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Trusted by leading mortgage lending brands

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LATEST INSIGHTS

Pepper Advantage sees highest stress levels since the Financial Crisis

 

We track a variety of data points to analyse borrower stress across our portfolio with the goal of managing risks before they emerge. This month, our report offers unique insights into stressed subsets of the UK market over a 12-month period as we explore where financial pressures are most intense and track early indicators, such as Direct Debit Rejections (DDRs) and arrears and the nuances across different products, age demographics and geographic locations.

 

Discover 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.

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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
20
Mortgage borrowers serviced
300,000
300,000

S&P Rating | 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.

  • Row of Houses in London

    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’.

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    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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    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.

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    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.

Case studies

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Company news
Pepper Advantage announces strategic investment in Thirdfort
Pepper Advantage participates in fund-raising for risk management platform Thirdfort. Pepper Advantage will incorporate Thirdfort’s digital identification, anti-money laundering (AML) and Source-of-Funds (SoF) verification into its proprietary global credit management platform.
Read more
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Case study
Onboarding large portfolios
Pepper onboarded a significant portfolio of mature loans with a range of product features from two separate servicing systems. The portfolio included over 30,000 new customers with total mortgage balances outstanding of around £2bn, and was one of the largest migrations carried out that year.
Broker making a presentation to a young couple showing them a document which they are viewing with serious expressions
Case study
Growing end-to-end services
Our client was looking for a strategic partner to provide a scalable platform for its expanding customer base. Pepper Advantage worked closely with the mortgage lender to build and deliver a platform and service solution to enable the client to drive the performance and customer service expected.
Attractive young woman working on a desktop computer smiling as she leans forwards reading text on the screen, view over the monitor
Case study
Supporting non-bank lenders
Pepper Advantage partnered with non-bank mortgage lender LendInvest to provide end-to-end back office operations and to service all existing and new loans originated by the inhouse team.
Read more

Get the full Advantage

 

For answers to your questions and information on how Pepper Advantage’s tech-enabled business model and Credit Intelligence platform can help your business grow.

 

Our goal? To give people an edge, to help them succeed.

Talk to our experts