Pepper Advantage, a global credit management and technology company, today released the latest data on its portfolio of over 100,000 UK residential mortgages.

and the full Q1 2025 report here.

*Mortgages in arrears are defined as those that are 30+ days delinquent in payment.

**A direct debit rejection is a form of missed mortgage payment that typically occurs due to insufficient funds when a direct debit is called and is an early indicator of borrower stress.

**Pepper Advantage manages organic origination for 10 UK originators, 80% of which are capital markets funded.

About Pepper Advantage

Pepper Advantage is a global credit intelligence company that offers a range of data led and credit management services via a technology platform that spans across Asia, Europe, and the United Kingdom. The company, with $55 billion (USD) assets under management, operates in multiple asset classes including residential and commercial mortgages, real estate, SME loans, asset financing and leasing, auto and consumer loans, credit cards, retail finance and BNPL, in addition to offering outsourced operational support services to both financial and non-financial clients. It helps investors, financial institutions, fintechs, and banks manage their credit portfolios, reducing the cost and complexities of systems and supporting new non-bank lending, with a particular focus on clients whose customers are underserved by traditional mainstream lenders.

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