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Pepper European Servicing
Pepper European Servicing provides a range of asset management, loan servicing and advisory services in Ireland, Spain, Greece and the UK on behalf of international and national investors, financial institutions, wholesale funding institutions and loan originators.

Our client portfolio comprises Private Equity & Investment Funds, Banking clients and White Label lenders.

in numbers
*All figures are in USD as of 31 March 2022
Assets Under Management

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

  • 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.
  • 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.
  • Latest Commercial Real Estate Market Reports as well as our Special Editions are:
    1. Pepper Hellas Hospitality Report 2018 – Greece
    2. Pepper Hellas Hospitality Report 2019 – Cyprus
    3. 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  

What our clients say:
We weren’t looking for a rigid, out of the box proposition and Pepper were able to tailor a solution that exceeded our expectations.
UK Servicing client


  • 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
  • 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
Our Culture
Pepper has a great environment, supportive colleagues and a hands-on Exec team. There is a good training programme and hard work does not go unnoticed.
Current operations employee with more than 1 year of service
There is a supportive team with a family culture at Pepper. Career progress is encouraged with further learning and development and you can get involved with projects.  Pepper has mechanisms in place to support work life balance.
Current HR employee with less than 1 year of service
Very good work environment and a lot of camaraderie with a young team, which helps enormously to get work done easily and well.
Current Operations employee in Spain

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