Pepper Money (UK) Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers such as AmTrust. It is a unique risk management tool.

This software is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with automatic updates on Pepper Money (UK)’s changes. While using the tool is not a prerequisite for Pepper Money (UK) , demonstrating you can remain up to date with Pepper Money (UK)’s Handbook requirements is a helpful support to your panel application and, just as importantly, protect your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory and CQS reports, and will increase your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Pepper Money (UK)

Mortgage companies frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from Pepper Money (UK) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, frequently:

A Timeline of Policy Changes


Since 2008, Pepper Money (UK) has made 2 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 1365.0 days. In total, 1% of the sections of P2 of the UK Finance Lenders’ Handbook for Pepper Money (UK) have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
5.14.1 28/08/2019 CML
Lender Name 01/07/2019 CML

Last update 26/03/2020

FAQs : The Pepper Money (UK) Conveyancing Panel from members of the public

I need to swap lawyers as my lawyer is not on the Pepper Money (UK) panel of conveyancing solicitors. How easy is it to change conveyancer?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
We are getting closer to an exchange and my parents having sent the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to disclose this to my lender Pepper Money (UK). I am advised that, being on the Pepper Money (UK) conveyancing panel and acting on their behalf he must inform Pepper Money (UK) if the balance of the mortgage advance is coming from anyone other than me. I informed the bank about my parent’s contribution when I applied for the home loan so is it really necessary for him to raise this?
Your lawyer is obliged to check with Pepper Money (UK) to make sure that they are aware that the balance of the purchase price is not from your own funds. Your solicitor can only report this to Pepper Money (UK) if you agree, failing which, your lawyer must cease to continue acting.
Are there any apps to help find a local solicitor on the Pepper Money (UK) conveyancing panel? I have a car and am prepared to travel up to 10 miles to meet the conveyancer.
You can use the find a conveyancing panel tool on this page. Please choose the lender and your location and you will see a number of lawyer located nearest you. Alternatively you can type in the name of your proposed law firm and see if they are listed as being on the Pepper Money (UK) solicitor panel.
I am buying a new build flat and getting a mortgage with Pepper Money (UK). Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Pepper Money (UK) conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Pepper Money (UK) conveyancing panel in your location.
For 5 years I had a mortgage with Pepper Money (UK). My father retired last week and wants to pay off the mortgage left on the property. After Pepper Money (UK) is paid, I want to transfer the property to my mother's name; How long will it roughly take? Do we need two separate solicitors on the Pepper Money (UK) conveyancing panel? I do not intend to live at the property once the Pepper Money (UK) mortgage is discharged.
Although you do need to retain the services of a lawyer they dont need to be on the Pepper Money (UK) panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. There's no capital gains tax for you as it is your main residence.
I have decided to exercise my right to buy my property off the council. I have a mortgage agreed with Pepper Money (UK). Conveyancing is not something I have any knowledge of. Can I proceed without a solicitor easily? I think we can but we keep being told I should use one. Any advice?
It is not advisable proceed with a house purchase without a solicitor. The council's solicitor are not acting for you. You need a solicitor for a number reasons. One of which is to verify what plans the Council have for repairs and refurbishment for the next five years. Many leaseholders have been stung for contributions of thousands of pounds. In any event if you are getting a mortgage with Pepper Money (UK) you will need to appoint a solicitor on the Pepper Money (UK) conveyancing panel.
At last I have had an offer on an apartment accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What should be my next step? At what point should I appy for the mortgage with Pepper Money (UK)?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Pepper Money (UK) conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Pepper Money (UK) and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.