Pepper

SFS Form

Pepper are committed to working with Customers who are in or facing financial difficulties to find the best solution where possible. Before you complete the Standard Financial Statement (SFS) form please read "Helpful Information" which will assist you with completing the document.

Standard Financial Statement Form

Standard Financial Statement form helps you to set out your current financial situation. Pepper will then explore appropriate options and sustainable alternative repayment arrangement (ARA) on your mortgage.

It is important to keep in mind that all information and documentation provided should be accurate and up to date in order to ensure a quick assessment and customer experience.

Please note: A copy of the completed SFS will be provided to you when you complete the form For Me.A copy of the completed SFS will be provided to each person who completes the form For Household.

Helpful Information

Check out our website for the range of supports we provide https//www.peppergroup.ie/loans/residental-mortgages/pepper/forms-and-documents. The Central Bank’s Guide to completing a Standard Financial Statement Mortgage Arrears – A consumer Guide to Completing a Standard Financial Statement.

MABS is a free, confidential, and independent service which will help you to complete the SFS. They will talk you through the SFS and give you advice about the supporting documents you may need to provide. Call the MABS helpline on 0818 072 000 and/or visit https://mabs.ie/mortgage-arrears/.

Abhaile is a service to help homeowners find a resolution to home mortgage arrears. Depending on your situation, Abhaile provides vouchers for you to get financial advice, legal advice or insolvency advice and help from experts. The vouchers are available through MABS.

MTR scheme is a government scheme to help homeowners who are at risk of losing their homes due to mortgage arrears. For more information visit https://mortgagetorent.ie/

If you decide you want a MABS advisor or a Lawyer, Accountant, or Financial Advisor to act for you, we ask that you agree in writing for us to contact them. We will first work with them directly and no longer contact you except in relation to matters other than your arrears situation

You can also check the website of the Competition and Consumer Protection Commission (CCPC) for useful information about loans and mortgages https://www.ccpc.ie/consumers/money/mortgages/mortgage-arrears/

If you have any questions, please contact us at 0818 818 181. We have specially trained staff to deal with customers experiencing financial difficulties and can help you with completing your SFS.

Please fill out all sections of the SFS fully and accurately and provide any documents that we may need to assess your financial circumstances. Any missing documents will slow down the assessment of your SFS. The table below outlines the content of each section of the SFS along with key points for you to note.