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 Council of Mortgage Lenders and PI insurers. It is a unique risk management tool.

This system is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on Pepper Money (UK)’s changes. While using the tool is not a prerequisite for Pepper Money (UK) , demonstrating you can stay up to date with Pepper Money (UK)’s Handbook requirements is an excellent support to your application to their lender panel and, more importantly, protect your firm’s panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, leads to reduced PII premiums.

Find a Law Firm approved by Pepper Money (UK)

Mortgage companies often change 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, over time:

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 12/11/2019

Pepper Money (UK) Conveyancing Panel Example Support Desk Enquires from members of the public

My financial adviser has informed me that I have to pay Pepper Money (UK) fees if I use my own solicitor. How efficient are the Pepper Money (UK) conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH as long as they're good and not exorbitantly priced. Would you recommend a specific law firm on the Pepper Money (UK) panel?
Pepper Money (UK)’s conveyancing panel is substantial so it would be advisable to check with the firms you are getting quotes from that they are on the panel. You can search by postcode on the search tool on this site to find solicitors that Pepper Money (UK) will allow to act for them.
My husband and I changing mortgage lender for our apartment with Pepper Money (UK). We have a son 19 who lives with us. The solicitor on the Pepper Money (UK) conveyancing panel requested us to identify anyone over the age of 17 other than ourselves who lives in the flat. Our lawyer has now e-mailed a document for our son to sign, waiving any legal rights in the event that the flat is repossessed. I have two questions (1) Is this form unique to the Pepper Money (UK) conveyancing panel as he did not need to sign this form when we bought 5 years ago (2) In signing this form is our son in any way compromising his right to inherit the property?
On the face of it your lawyer has done nothing wrong as it is established procedure for any occupier who is aged 17 or over to sign the necessary Consent Form, which is purely to state that any rights he has in the property are postponed and secondary to Pepper Money (UK) .This is solely used to protect the Pepper Money (UK) if the property were re-possessed so that in such circumstances, your son would be legally obliged to leave.

It does not impact your son’s right to inherit the apartment. Please note that if your son were to inherit and the mortgage in favour of Pepper Money (UK) had not been discharged, he would be liable to take over the loan or pay it off, but other than that, there is nothing stopping him from keeping the property in accordance with your will or the rules of intestacy.

I note that you have a post code search directory listing solicitors on the Pepper Money (UK) conveyancing panel. Do firms pay you a referral fee if I retain them for my conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Pepper Money (UK) conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
My uncle passed away 10 months ago and as sole heir and executor was left the property. The house had a small mortgage remaining of approximately £8000. I want to transfer the title deeds into my name whilst I re-mortgage to Pepper Money (UK) , pay off the mortgage etc. Is this allowed?
If you intend to re-mortgage then Pepper Money (UK) will insist on your using a conveyancer on the Pepper Money (UK) conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Pepper Money (UK) conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Pepper Money (UK) mortgage is registered as a charge at the Land Registry.
Is it the case that all conveyancing lawyers on the Pepper Money (UK) conveyancing panel work on a no sale no fee basis?
There is generally no requirements by lenders for their firms to operate on a no-sale-no-fee basis. There a small number of lenders who operate a very restricted conveyancing panel managed by a third party company (often termed in the industry as a ‘gatekeeper’). That third party may impose certain conditions such as non-sale-no fee on the panel firms. If you require this as a condition of your conveyancing then you should check with the conveyancing firm that this is part of their package
It is not clear whether my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have called Pepper Money (UK) on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Pepper Money (UK) conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. I simply dont know who is right
As long as the conveyancer is on the Pepper Money (UK) panel she or he must comply with the CML Handbook requirements for Pepper Money (UK). Unless your lawyer obtains specific confirmation in writing that Pepper Money (UK) will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Pepper Money (UK) to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
I am due to exchange contracts on my flat. I had a double glazing fitted in month 6 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, Pepper Money (UK) are being difficult. The solicitor who is on the Pepper Money (UK) conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Pepper Money (UK) are requiring a building regulation certificate. Why do Pepper Money (UK) have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Pepper Money (UK) have referred the matter to their valuer. The reason why Pepper Money (UK) may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.