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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

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

This system optimises the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with automatic updates on Pepper Money’s changes. Notwithstanding that utilising the tool is not a condition for being 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, safeguard your panel standing.

The software creates real-time alerts, automatically produces regulatory 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

Mortgage companies frequently vary 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.

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FAQs : The Pepper Money Conveyancing Panel from members of the public

Is the fact that my solicitor is not identified on the Pepper Money Conveyancing panel that there is a problem with the standard of the firm’s conveyancing?
It would not be wise to jump to that conclusion. There are all sorts of perfectly reasonable explanations. A recent report by the solicitors regulator indicated 76% of law firms surveyed had been removed from at least one lender panel. The top 3 reasons are as follows: (1) lack of transactions (2) the lawyer is a sole practitioner (3) as part of the HSBC panel reduction (4) regulatory contact by SRA (5) accidental removal. If you are concerned you should simply call the firm and ask them why they are no longer on the approved list for Pepper Money.
Please assist. For no fault of my lawyer but, my purchase conveyancing has been going on for months. The Local Authority Search from Pepper Money was issued random date and we have agreed a date for me to move into the property on 10 days inc Day of week eg. Mon. My lawyer has advised that as she is on the Pepper Money conveyancing panel she needs to reorder the searches as they are now out of date.
A precondition to being on the Pepper Money approved panel is to comply with the CML Handbook Part 2 obligations (last updated for this lender on Pepper Money)which states that a local authority search be not more than half a year old. You should nevertheless ask your lawyer to check whether something called ‘search validation’ indemnity insurance is acceptable to Pepper Money.
Your search tool is useful but there are many lawyers listed near Leeds on the Pepper Money conveyancing panel. Can you recommend a specific firm on the conveyancing panel for Pepper Money ?
We are not in the business of recommending one firm above another 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..
I am buying a right to buy flat and getting a mortgage with Pepper Money. Can I do my own conveyancing?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the Pepper Money conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the Pepper Money conveyancing panel in your location.
Can you point me to a directory of Pepper Money panel conveyancers on the Council of Mortgage Lender’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.
I have paid off my mortgage with Pepper Money. I assume I don't need a solicitor on the Pepper Money panel to remove the mortgage at the Land Registry. Please confirm
If you have finished paying off your Pepper Money mortgage they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Pepper Money mortgage from the register. Pepper Money,and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage: but are not moving to another property where the Pepper Money has sent the Land Registry the discharge electronically, and the Pepper Money has instructed the Land Registry to do so The Land Registry will send you a letter confirming that your Pepper Money mortgage has been paid off.
I have decided to exercise my right to buy my property off the council. I have a mortgage offer with Pepper Money. Conveyancing is new to me. 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.

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