About Lexure Contact us

Pepper Money (UK) Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers. COMPLETIONmonitor is a unique risk management tool.

This software is the only way you can prove to lender panels that you are, and can remain fully compliant with their instructions, with notifications given on Pepper Money (UK)’s changes. Even though using this technology 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 panel application and, more importantly, protect your panel standing.

The software generates real-time alerts, automatically produces compliance and CQS reports, and will improve your firm's efficiency. In addition it is simply to use, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Pepper Money (UK)

Banks and building societies frequently 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, 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.

To find out more about lender panel compliance,
Book a Personalised Demo

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

My property lawyer is not on the Pepper Money (UK) Approved Panel. Is it possible for me to use my preferred solicitor notwithstanding that they are excluded from the Pepper Money (UK) panel?
You have a number of options available to you here:
  1. Carry on with your existing solicitors but Pepper Money (UK) will need to instruct a lawyer on the Pepper Money (UK) conveyancing panel. This will result in additional cost and potential delay.
  2. Get a new solicitor to act in the purchase, obviously checking they are on the Pepper Money (UK) conveyancing panel.
  3. Urge your lawyer to apply to join the Pepper Money (UK) lender panel
I do hope you can help me. My solicitor is assuring me that she is duty-bound to conduct a Local Authority search stemming from the fact that the firm are on the Pepper Money (UK) approved lawyer panel. Is this really necessary?
You have limited options available to you. As you are taking a mortgage with Pepper Money (UK) your lawyer has to comply with their conditions as set out in their version of the CML Conveyancing Handbook. Your lawyer would have previously signed the Terms and Conditions of Pepper Money (UK)’s conveyancing panel appointment which obliges them to follow the CML Handbook requirements last updated Pepper Money (UK). even if you were a cash buyer you would be ill advised not to carry out a local authority search.
Do all the firms listed on your search have online case tracking as I was under the impression that this was a precondition of being on the Pepper Money (UK) solicitor panel?
The Council of Mortgage Lenders or BSA do not require online case tracking. Some law firms operate such technology and some don't.
I am in the process of mortgaging my house does my lawyer need to be on the Pepper Money (UK) Solicitor panel?
There is nothing to stop you using your solicitor but Pepper Money (UK) will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
My existing mortgage is with Pepper Money (UK). My grandfather has just retired and wants to pay off my mortgage. 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 am currently in the process of buying my council flat. 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 have 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.
After shopping around on the internet I have found a solicitor having made sure that they are on the Pepper Money (UK) conveyancing panel. Does my lawyer arrange the survey of the property? Or I've read lots of mortgage guides,I note that they all recommend that you should get your house surveyed prior to buying it. When I asked my solicitor - who is on the Pepper Money (UK) conveyancing panel - on this she said they don't do this and I need to contract an independent surveyor. is that correct?
Pepper Money (UK) will need an independent valuation of the property. Your lawyer will not arrange this. Usually Pepper Money (UK) will appoint their own surveyor to do this, and you will have to pay for it. Remember that this is a valuation for mortgage purposes and not a survey. You may wish to consider appointing your own surveyor to carry out a survey or prepare a home buyers report on the property. It is up to you to satisfy yourself that the property is structurally sound before you buy it. If the survey or report reveals that building work is needed, you should tell your solicitor. You may wish to renegotiate with the seller. or Your lawyer will not organise the survey but they may be able to put you in touch with a local one that they recommend. RICS offers a find a surveyor service (just google it) where you can search for a qualified surveyor by postcode. As you are getting a mortgage with Pepper Money (UK) you could contact your them to see if they have a list of approved surveyors.

Copyright © Lexsure Limited, 2025

Privacy