Pepper - mortgage - 50% warehoused and review due soon

[Marconi]

Someone may be, or have been in a similar position to me, and I'd really appreciate feedback. My PTSB mortgage was recently bought out (like loads more) by Pepper.
As I have a mortgage of circa 250k (variable interest rate), half of which as been 'warehoused' for the last 3 years at 0 % interest rate. My situation will be due for review in Feb 2021, and I'm wondering what will Pepper's approach be. It is our family home. And if they demand full repayments on the warehoused portion as well, I don't know if I'll be able to manage.

Has anyone had any dealings with Pepper, and been in a similar situation as me?

 

[PFS7979]

Yes... had contact from Pepper.

Their focus was entirely on getting a plan to repay the warehoused debt. Difficult call and inappropriately handled

 

[Brendan Burgess]

If a borrower can afford to take some of the loan out of the warehouse, they should do so.

For borrowers who can repay their loans, particularly those on cheap trackers, they should try to get back to a performing loan as soon as possible.

Brendan