Have a couple of queries that are stressing me around my mortgage being transferred to Pepper. 1. We have our mortgage protection insurance policy with PTSB and they have stated in their letter that "If you pay any of your insurance policies as part of your mortgage repayment then you will need to take some action in advance of the transfer. We will write to you in advance of the transfer to outline exactly what you need to do." My partner is now in his mid 50's and owing to health issues cannot get cover. These health issues were not declared back in 2013 when the split mortgage was being sought. As a result the current insurance policy with PTSB is useless but is costing us nearly €200 per month. Recently I have attained my own separate policy (€32 per month) so am fully covered. Is there a chance that Pepper may not accept that my husband cannot get cover? I understand that once over 50 it is at the discretion of the lender but am extremely worried that this could be an excuse to force us to sell our home. 2. Also my review is due in the summer and I have always agreed that from July 2019 we will be able to revert to full mortgage payments. Is there a chance that Pepper could force us off our tracker rate?