Explore our Third Party Servicing capabilities

Pepper is a sought-after third-party servicing partner for a number of high quality originators and wholesale funding institutions. We operate within a comprehensive risk management framework and engage in regular internal and external audits. Our service offering is extensive including Servicing, Special Servicing and Debt Purchase.

Our approach to arrears management is best described as “early detection, quick response; identifying and implementing effective solutions”. We have continuous feedback loops between our Credit and Collections areas of the business that enable us to identify trends in pool performance that can be fed back into product architecture and underwriting criteria.

Unlike most other third party servicers or debt purchasers, we are also originators of new products. So we absolutely understand the importance of protecting your reputation and take the utmost care in managing the most sensitive issues.

Explore our servicing capabilities

Read more

A Global Servicer

Pepper is highly experienced in servicing third-party loan and lease portfolios and transitioning these portfolios from other originators and service providers.

  • Ranked by Fitch Ratings as one of the highest rated independent residential mortgage Special Servicers in the UK, and the only Fitch rated Master Servicer in Europe: UK Primary (prime and sub-prime) Servicer Rating RPS2+, UK Residential Special Servicer Rating RSS2+, and UK Residential Master Servicer Rating RMS2.
  • S & P rating of Above Average for Commercial and Residential Mortgage Primary and Special servicing in Ireland