Pepper Money (UK) Conveyancing Lender Panel Compliance Tool

COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers such as AmTrust. It is a unique risk mitigation tool.

This software facilitates the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with notifications given on Pepper Money (UK)’s changes. Even though using COMPLETIONmonitor is not a prerequisite for Pepper Money (UK) , demonstrating you can remain up to date with Pepper Money (UK)’s Handbook requirements is a helpful support to your panel application and, just as importantly, safeguard your firm’s panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, results in a PII saving.

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 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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Common questions asked concerning the Pepper Money (UK) Conveyancing 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.
Please help. My solicitor is advising me that he is legally obliged to order a Local Authority search because the firm are on the Pepper Money (UK) approved lawyer panel. Is my lawyer correct?
You have limited options available to you. 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.
My house is up for sale and I have a buyer. Does my solicitor have to be on the Pepper Money (UK) conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Pepper Money (UK) conveyancing panel they can still act for you on your sale. it might be that the lender will not release the original deeds (if applicable and increasingly irrelevant) until after the mortgage is paid off. You should speak to your lawyer directly before you start the process though to ensure that there is no problem as lenders are changing their requirements fairly frequently at the moment.
I had instructed online solicitors based in Bristol who are on the Pepper Money (UK) solicitor panel. They have just invoiced me a separate fee of £175 for the legal aspects of the Pepper Money (UK) mortgage. Is this a supplemental conveyancing fee set by Pepper Money (UK)?
Unfortunately, as long as it is in their Terms and Conditions or Quote then yes your solicitors can charge a fee for this. This fee is not set by Pepper Money (UK) but by your lawyers. Some firms on the Pepper Money (UK) will charge an ‘acting for lender’ fee and others do not.
I was thinking of purchasing my friend’s property. Assuming we can agree a figure, what’s the best way to move forward? I plan to obtain a mortgage with Pepper Money (UK). Is there anyway to cut out the 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.
At last I have had an offer on an apartment accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What should be my next step? At what point should I appy for the mortgage with Pepper Money (UK)?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Pepper Money (UK) conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Pepper Money (UK) and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.