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Pepper Money (UK) Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the Pepper Money (UK) Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Pepper Money (UK) Conveyancing Panel?
Check your firm’s panel Status

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

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

The software generates real-time alerts, automatically produces COLP and CQS reports, and will improve your firm's efficiency. In addition it is simply to use, cost-effective and, for some firms, results in 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 24 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 113.8 days. In total, 9% of the sections of P2 of the UK Finance Lenders’ Handbook for Pepper Money (UK) have been changed since 15/12/2008.

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Pepper Money (UK) Solicitor Panel Recently Asked Questions from members of the public

Much to my surprise I have been told by my financial adviser that my property lawyer is not on the Pepper Money (UK) Solicitor panel. What can I do to be sure that this is correct?
The first thing you need to do is to contact your lawyer directly. It is reasonable to expect your lawyer to advise you what has happened. If they are not on the panel they may recommend you to a firm that is on the the approved Pepper Money (UK) solicitor panel.
We are nearing an exchange and my mum and dad having transferred the 10% deposit to my lawyer. I am now advised that as the deposit has not come from me my lawyer needs to make a notification 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 not just from me. I informed the bank about my parent’s contribution when I applied for the mortgage so is it really necessary for this now to be an issue?
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.
I am looking for online conveyancing estimates. Can I be assured that all the law firms that are listed on your site are on the Pepper Money (UK) conveyancing panel?
The solicitor and licensed conveyancing practices listed on our site have assured us via an online form that they are on the Pepper Money (UK) panel and agreed to advise us to take down their listing in the event of removal off of the Pepper Money (UK) panel. To date we have not been informed by either a mortgage company or a member of the public that the data about a specific firm being on the Pepper Money (UK) conveyancing panel is incorrect.
My house is up for sale and I have a buyer. Does my solicitor have to be on the Pepper Money (UK) conveyancing panel in order to deal with redeeming my mortgage?
Ordinarily, even if your lawyer is not on the Pepper Money (UK) conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
Is there a list of Pepper Money (UK) panel conveyancers on the CML Handbook Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
I previously instructed online conveyancers based in Manchester who are on the Pepper Money (UK) solicitor panel. They are now charging me a separate fee of £195 for dealing with the Pepper Money (UK) mortgage. Is this a supplemental conveyancing fee set by Pepper Money (UK)?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Pepper Money (UK) but by your lawyers. Some firms on the Pepper Money (UK) will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
Pepper Money (UK) have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Pepper Money (UK) or your broker and complete any relevant paperwork. Pepper Money (UK) will tell you what documents they want. Pepper Money (UK) will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Pepper Money (UK) will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.

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