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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

COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by PI insurers such as AmTrust. It is a unique risk mitigation tool.

This system assists the way you can demonstrate to lender panels that you are, and can stay fully compliant with their requirements, with automatic updates on Pepper Money (UK)’s changes. While utilising the software is not a prerequisite for Pepper Money (UK) , demonstrating you can remain up to date with Pepper Money (UK)’s Handbook requirements is an excellent support to your application to their lender panel and, just as importantly, protect your panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory and CQS reports, and will improve your firm's efficiency. It is also 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 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,
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FAQs for the Pepper Money (UK) Solicitor 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. Is it advisable to appoint a new law firm?
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.
I am purchasing a new build duplex and my conveyancer is telling me that she is duty bound to reveal incentives from the builder as her firm is on the Pepper Money (UK) conveyancing panel. I am under pressure to exchange and my preference is not to prolong matters. is my lawyer taking the correct approach?
You should not exchange unless you have advised to do so by your lawyer. A precondition to being on the Pepper Money (UK) approved panel is to comply with the CML Handbook requirements (last updated for this lender on Pepper Money (UK)). The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
Do I need to have a meeting at the offices of the Pepper Money (UK) conveyancing panel solicitor to sign the mortgage deed? If so, I will instruct a firm who offer conveyancing in Liverpool so that I can pop in to their offices when needed.
As opposed to ten years ago, most lenders no longer require their conveyancing panel solicitor to witness the borrowers signature. You will still be obliged to provide ID Documents and there are still distinct advantages to using a local solicitor, in your case a conveyancing solicitor in Liverpool .
I am considering mortgaging my house does my lawyer need to be on the Pepper Money (UK) Conveyancing 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 an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
Can you point me to a directory of Pepper Money (UK) panel solicitors on the Building Society Association’s 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.
Hi, thinking about buying a house off my mate. Assuming we can agree a figure, what’s the best way to move forward? I hope to get a mortgage with Pepper Money (UK). Is it possible to avoid using solicitors to save us both money? My father said that years ago it was possible to take the documents into the local Land Registry office and they did the rest
If you are getting a mortgage with Pepper Money (UK) involved you will need to appoint a solicitor on the Pepper Money (UK) conveyancing panel. We would not encourage you to both use the same solicitors' firm. There are clear conflict of interest issues and it's not going to make a huge difference to the speed of the overall process. So as not to hold things us you should pass on your solicitors details to Pepper Money (UK). Feel free to use our search tool to look for a licensed conveyancer or solicitor on the Pepper Money (UK) conveyancing panel.
I have paid off my mortgage with Pepper Money (UK). I assume I don't need a solicitor on the Pepper Money (UK) panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Pepper Money (UK) mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Pepper Money (UK) mortgage from the register. Pepper Money (UK),and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Pepper Money (UK) has sent the Land Registry the discharge electronically, and the Pepper Money (UK) has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Pepper Money (UK) mortgage has been paid off.

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