FAQs for the Pepper Money (UK) Conveyancing Panel
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 good are the Pepper Money (UK) conveyancing panel solicitors? I'm happy to use any solicitor in the country TBH provided that they are good and reasonably priced. Would you recommend a specific law firm on the Pepper Money (UK) panel?
Pepper Money (UK)’s conveyancing panel is pretty large so your best bet is just 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.
can you help? My solicitor is assuring me that she is duty-bound to conduct a Local Authority search because the firm are on the Pepper Money (UK) approved lawyer panel. Is my lawyer correct?
Unfortunately both you and your lawyer have little choice here. Given that you are taking out a loan 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.
I have checked your search tool I can't find the lawyer I was hoping to instruct as being on the Pepper Money (UK) conveyancing panel. My lawyer has said that they are on the Pepper Money (UK) approved panel. How can I be sure given that they are not listed on your directory?
Not all firms are yet listed on our lender panel search tool which is still relatively new. Law firms are listing on a daily basis and it is probably the case that your lawyer is on the Pepper Money (UK) conveyancing lawyer and you should probably take them at their word. Please do feel free to suggest that they completing their listing on our site as it would only cost them £1 a month to list themselves as being on the Pepper Money (UK) solicitor panel.
I am considering remortgaging 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 greater potential for delays and confusion with an additional lawyer added to the mix, and it will undoubtedly be more expensive too.
I am buying a property where the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Pepper Money (UK) be concerned
As your lender is Pepper Money (UK) your lawyer must to check the Pepper Money (UK) conveyancing instructions contained in the Part of CML Handbook for Pepper Money (UK) . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Pepper Money (UK) where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
Intending to buy a flat 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 Lender 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
My ex -wife’s name is on the Pepper Money (UK) mortgage of my property but not on the land registry. The apartment was transferred to me on our divorce many years ago by way of a sealed court order. Does my ex still have a say on the sale even though the land registry showing the property in my name alone? Will I be required to take her name of the Pepper Money (UK) mortgage in order to sell?
In terms of the Pepper Money (UK) mortgage, it is unusual that your ex-wife’s name remains on the mortgage but not on the title. It is conceivable that this is an oversight on the part of your conveyancers to ensure that her name was removed or even an administrative error on the part of Pepper Money (UK) in failing to update their data. In any event, it should cause difficulty providing her name no longer appears on the Land Registry title and you have a court order ordering that the property is transferred to you.