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Pepper Money 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 Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the Pepper Money Conveyancing Panel?
Check your firm’s panel Status

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. It is supported by PI insurers. It is a unique risk management tool.

This software is the only way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with automatic updates on Pepper Money’s changes. Even though using the tool is not a prerequisite for Pepper Money , demonstrating you can stay up to date with Pepper Money’s Handbook requirements is a helpful support to your panel application and, just as importantly, safeguard your panel status.

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

Find a Law Firm approved by Pepper Money

Mortgage companies often change their requirements. The UK Finance Lenders’ Handbook requirements from Pepper Money 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 has made 33 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 82.7 days. In total, 13% of the sections of P2 of the UK Finance Lenders’ Handbook for Pepper Money have been changed since 15/12/2008.

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FAQs for the Pepper Money Conveyancing Panel from members of the public

My Solicitor is not listed on the Pepper Money Approved Panel. Can I still continue with my preferred solicitor even though they are excluded from the Pepper Money approved list?
You will need to have a conveyancer complete the legal work required when you take out a Pepper Money mortgage to buy your property. They’ll carry out all the necessary legal checks on the property, make sure that you’re properly registered as the owner and ensure that all the necessary mortgage documentation is in place. You can instruct a conveyancing firm of your choice. However, if the firm selected is not a member of the Pepper Money conveyancing panel additional costs will be incurred as separate legal representation will be required by Pepper Money. Conveyancing panel applications can be submitted, so if your conveyancer has not previously applied for membership they can do so.
My solicitor has spotted an inconsistency between the surveyor’s assumptions in Pepper Money’s valuation survey and what is revealed within the conveyancing documents. My solicitor informs me that as he is on the Pepper Money conveyancing panel he needs to check that the lender is happy with this discrepancy and is content go ahead. Is my conveyancer’s stance appropriate?
A precondition to being on the Pepper Money approved panel is to comply with the CML Handbook requirements (last updated for this lender on Pepper Money) which do require that your lawyer disclose any incorrect assumptions in the lender’s valuation report and the legal papers. Should you refuse to allow your lawyer to make the appropriate notification then your lawyer will have no choice but to discontinue acting for you.
Whilst your website is a good idea there are many lawyers listed near London on the Pepper Money conveyancing panel. Can you recommend a specific firm on the conveyancing panel for Pepper Money ?
We do not recommend specific firms as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. Before you appoint your lawyer we advise you to speak to two or three of the firms listed to gain comfort as to which one is right for you..
My house is up for sale and I have a buyer. Does my solicitor have to be on the Pepper Money conveyancing panel in order to deal with paying off my mortgage?
Ordinarily, even if your lawyer is not on the Pepper Money 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.
Do the majority of lenders 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 conveyancing panel requirements are different to Pepper Money’s conveyancing panel criteria.
I am currently in the process of buying my council flat. I have a mortgage agreed with Pepper Money. 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 use 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 you will need to appoint a solicitor on the Pepper Money conveyancing panel.
I have not been happy with the level or service received from my lawyer. Is there a Pepper Money conveyancing panel complaints department or do I complain directly to the law firm?
Complaining to Pepper Money about their conveyancing panel is unlikely to yield much of a response. All solicitors and conveyancer must have a complaints procedure. Usually one can find this information from the solicitor’s or conveyancer’s website or ask at their office. They must tell you about it if you ask.

The Legal Ombudsman will make sure that your complaint is properly dealt with by the solicitor. It can also advise you how to complain.

If a licensed conveyancer does not have a complaints procedure or will not tell you about it, contact the Council for Licensed Conveyancers (CLC), which will make sure that your complaint is properly dealt with by the conveyancer. Please see below for more information.

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