Our client portfolio comprises Private Equity & Investment Funds, Banking clients and White Label lenders.
in numbers
Opportunities across markets
Pepper European Servicing combines human expertise with proprietary software to deliver end-to-end loan servicing, residential mortgages, and unsecured loans.
We have strong relationships with blue chip financial institutions, a firm footprint across key European jurisdictions and revenue underpinned by recurring servicing fees. We also boast an executive team of experts in each country and a significant pipeline of opportunities.
What we do
- Our suite of products include Servicing - Residential and Commercial Loans, Asset Management, and Advisory.
- We provide Primary, Special, Master and Back-Up Servicing along with Credit support services.
Our Offering
- Experienced management experts supported by quality local country teams.
- Firm client relationships with over 50 customers, banks and NBFIs.
- End-to-end servicing that includes portfolio advisory and asset management.
- Geographic diversity with businesses in the UK, Ireland, Spain and Greece.
- Technology infrastructure with integrated workflow, CRM systems and data warehousing.
Our Strategy
The Can do spirit
- While initially focused on servicing non-performing loans and Attrition portfolios, since 2016 we expanded focus to origination outsourcing contracts and grew our technology and data analytics capabilities.
- We built on our CRM and Workflow abilities, expanded into origination outsourcing verticals and invested tech platforms in new markets.
- Everything we do is underpinned by Pepper values of Can do, Balanced and Real.
Our Successes
Spain
- Pepper Spain’s launch of Atlas, a new bespoke modular end-to-end servicing platform. Atlas comprises 4 key integrated modules to efficiently service loan portfolios managed on behalf of clients as well as manage REO Assets through to exit.
- Successful migrated € 1Bn mortgage book from a Bank, satisfying Bank of Spain reporting requirements.
- Partnered with clients under a new deal structure in the re-performing loan space to offer Master Servicing and Special Servicing.
UK
- Onboarded one of the most recognised UK mortgage brands to our growing client portfolio
- S&P Global Ratings has assigned Pepper UK an ‘above average’ ranking as both a primary and special servicer of residential mortgages in the UK, and an ‘average’ ranking as a primary and special servicer of commercial mortgages in the UK.
Greece
- Latest Commercial Real Estate Market Reports as well as our Special Editions are:
- Pepper Hellas Hospitality Report 2018 – Greece
- Pepper Hellas Hospitality Report 2019 – Cyprus
- Pepper Hellas Shopping Centres Report 2019 – Greece
Click here to download them
Our Story
2012 – Pepper acquires GE Capital's Irish mortgage business and servicing
2013 – Pepper acquires Oakwood servicing platform in the UK
2014 – Pepper acquires Celeris in Spain
2015 – Pepper UK starts lending
2018 – Pepper acquires Avent SA (NAI Hellas) in Greece
2019 – UK business formally separates into lending and servicing businesses with Servicing remaining part of PES
Awards
Ireland
- CIPD 2021- Shortlisted Best Organization Development Initiative
- Irish Institute of Training & Development 2021– Shortlisted Best Talent Development Initiative
- Irish Institute of Training & Development 2021– Shortlisted Best Organization Development Initiative
UK
- Best Loan Servicer – Mortgage Finance Gazette Awards 2021
- Highly Commended in Most Innovative Workforce Transformation category – 2021 Awards for Innovation
- Judges’ Award for Innovation – Association of Business Psychologists (ABP) Workforce Experience Awards 2020
Greece - Pepper Hellas
- Voted Best Real Estate Advisor Overall in Greece for 2015, 2016 & 2017, by Euromoney
- RICS Regulated Company
- Listed at the Certified Valuers’ Registry of the Greek Ministry of Finance