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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 residential conveyancing lawyers. It is supported by professional indemnity insurers. It is a unique risk management tool.

This software is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their instructions, with alerts on Pepper Money’s changes. Notwithstanding that using the software is not a condition for acceptance on the Pepper Money panel, demonstrating you can remain up to date with Pepper Money’s Handbook requirements is an excellent support to your panel application and, just as importantly, protect your panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for many firms, results in reduced PII premiums.

Find a Law Firm approved by Pepper Money

Banks and building societies 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, over time:

A Timeline of Policy Changes


Since 2008, Pepper Money has made 35 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 78.0 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.

To find out more about lender panel compliance,
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Pepper Money Solicitor Panel Recently Asked Questions from members of the public

A solicitor I had intended to instruct on a purchase said he will levy higher legal fees if my lender is because of their unusual legal requirements. Will I regret using Pepper Money? Is Pepper Money conveyancing so much more difficult?
Pepper Money conveyancing requirements for their panel are no better or no more complicated than most lenders. It is the case now the CML Handbook, the "bible" used by solicitors to establish lender requirements, is different for each lender. It is not clear if your lawyer is on the Pepper Money conveyancing panel. If they are not, this does add further risk of delay as Pepper Money will appoint their own solicitors to look after their interest.
Our solicitor is asking me for identification documents asserting that this forms part of his obligations as a solicitor on the Pepper Money Conveyancing panel. This is news to me - can I refuse?
Anti-terror and anti-money-laundering rules require solicitors and licensed conveyancers to verify the identity of the person or body they are dealing with before they can accept their conveyancing business. The Client Care letter that you need to sign will no doubt confirm this. Your lawyer is right that Pepper Money also require certain documents to be viewed. If a you refuse to provide ID verification documents, your conveyancer would not be able to accept instructions from you. Your lawyer also has obligations to obtain certain documents in accordance with Pepper Money CML Handbook requirements last updated on Pepper Money
I require the services of a Pepper Money panel solicitor in Belfast. Could you help me?
It is not clear why you need a Pepper Money panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Pepper Money to find out which solicitors in Pepper Money are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
I would like to get my ex-husband taken off the mortgage deeds. Can Pepper Money really insist on which solicitor I can or can not instruct?
You can use any solicitor you like but Pepper Money 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 solicitors panel
Can you point me to a directory of Pepper Money 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.
Do the majority of 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 conveyancing panel requirements are different to Pepper Money’s conveyancing panel criteria.
What are the common reasons for a lender such as Pepper Money to withdraw a mortgage offer?
Banks and Building Societies such as Pepper Money can withdraw their mortgage offer although this rarely happens. If Pepper Money withdraw their offer they may or may not inform you or the lawyer as to their reasoning. There are various possible reasons but here are 5 examples:
  • Where information comes to Pepper Money ‘s attention regarding the customers or the security that they were not aware of prior to offer that affects their original decision to lend
  • Amendments if purchase price adjusted and the loan to value limits exceeded by this. Please note that Pepper Money conveyancing panel solicitors would be obliged to notify Pepper Money of a change in the price of the property.
  • Where to proceed with the Mortgage offer would be unlawful
  • Where the lender is on notice of a restriction or a right of pre-emption which is not at market value
  • Where the Lender’s right to possession is fettered in some way

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