Retail Mortgages

On 2 July 2018, Bank of Scotland plc (“BOS”) issued letters to its customers advising them that it had agreed to transfer its mortgage loan agreements with them (the “Mortgages”) to Pepper Finance Corporation (Ireland) DAC trading as Pepper Asset Servicing (“Pepper”).

In line with the abovementioned letters, BOS transferred the Mortgages to Pepper on 28 September 2018 (the “Transfer Date”). Pepper holds legal title to the Mortgages on trust for Erimon Home Loans Ireland Limited (a subsidiary of Barclays Bank PLC) or its nominee (the “Beneficiary”).

All of the rights of BOS under the Mortgages have transferred to Pepper and the Beneficiary. From the Transfer Date, Pepper is the new lender of record in relation to the Mortgages.

If you have been informed that your mortgage has been transferred by BOS please see the contact details below:


If your mortgage was transferred to Pepper please contact Pepper on:

0818 818 181 (ROI)

+353 61 236 928 (NI/UK)


If your mortgage was sold to Tanager Limited please contact Tanager on:

0818 800 325 (ROI)

+353 61 236 956 (NI/UK)


If your mortgage was sold to Start Mortgages please contact Start on:

1800 818 000