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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 residential conveyancing lawyers. It is supported by PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk mitigation 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 automatic updates on Pepper Money (UK)’s changes. While using this technology is not a condition for acceptance on the Pepper Money (UK) panel, 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, more importantly, safeguard your panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces regulatory and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, cost-effective and, for some firms, results in reduced PII premiums.

Find a Law Firm approved by Pepper Money (UK)

Banks and building societies 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 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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Pepper Money (UK) Conveyancing Panel : Questions and Answers from members of the public

We are hoping to buy a 1 bedroom flat in Leeds with a mortgage from Pepper Money (UK). We have a lawyer but Pepper Money (UK) says she’s not on their "panel". It seems we have little choice but to instruct one of the Pepper Money (UK) panel firms or keep our solicitor and pay for one of their panel ones to represent them. We feel as though this is unjust; Can we not simply insist that Pepper Money (UK) use our lawyer?
No, not really. The mortgage offered to you is subject to its terms and conditions, one of which will be that lawyers will on the Pepper Money (UK) conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for Pepper Money (UK)
Much to my surprise my lawyer is asking me for personal identification documents saying that this is part of his obligations as a conveyancer on the Pepper Money (UK) Conveyancing panel. Can you confirm whether this is the case?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offense if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage with Pepper Money (UK) your lawyer also has to check ID documents to satisfy Pepper Money (UK)
Do all mortgage companies provide you with an approved list of solicitors? How do you know who is on the Pepper Money (UK) conveyancing panel?
The firms themselves provide us confirmation that they are on the Pepper Money (UK) conveyancing panel as opposed to being supplied with a list from Pepper Money (UK) directly.
I would like to get my ex-husband removed the mortgage deeds. Can Pepper Money (UK) really insist on which solicitor I can or can not retain?
You can use any solicitor you like but Pepper Money (UK) then has the right to appoint a different solicitor to act for them at your expense. It might be more cost effective and quicker to instruct a lawyer who is on the Pepper Money (UK) solicitors panel
Do most banks operate their own panel of solicitors?
Many lenders do operate a restricted conveyancing panel but a lot of lenders allow any solicitors to join their panel so long as they meet their criteria. Each lender sets their own criteria. For example the Pepper Money (UK) conveyancing panel requirements are different to Pepper Money (UK)’s conveyancing panel requirements.
I can not work out if my mortgage offer obliges me to make sure the lease term for the flat is extended prior to the completion date . I have telephoned Pepper Money (UK) on numerous occasions and told it wasn't a problem 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. Who do I believe?
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.
Planning on purchasing a house with a mortgage with Pepper Money (UK). I have received an online quote from a licensed conveyancer, which states: "There will be no charge for dealing with the Building Society if you are obtaining a mortgage". I take this to mean that there will be no additional fee if the solicitor is on the Pepper Money (UK) conveyancing panel. I wanted to make sure it means there will be no additional fees for dealing with the mortgage.
They are simply saying that the cost for acting for the lender is included in the fee being quoted. It is worth you checking that they are on the Pepper Money (UK) conveyancing panel

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