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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?
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How can my firm be reinstated onto the Pepper Money Conveyancing Panel?
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COMPLETIONmonitor is an online pre- and post-completion checklist for property lawyers. It is supported by PI insurers such as AmTrust. It is a unique risk management tool.

This software facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with notifications given on Pepper Money’s changes. Notwithstanding that using the tool is not a prerequisite for Pepper Money , demonstrating you can remain up to date with Pepper Money’s Handbook requirements is a helpful support to your panel application and, more importantly, protect your firm’s panel standing.

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

Find a Law Firm approved by Pepper Money

Mortgage companies often 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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Pepper Money Solicitor Panel Recently Asked Questions from members of the public

I have been advised by my broker that I have to pay Pepper Money fees should I instruct my family lawyer. How efficient are the Pepper Money conveyancing panel solicitors? I dont care which law firm I use provided that they are good and not exorbitantly priced. Would you recommend a specific law firm on the Pepper Money panel?
Pepper Money’s conveyancing panel is substantial so your best bet is just to check with the firms you are getting quotes from whether they are on it. You can search by postcode on the search tool on this site to find solicitors that Pepper Money will allow to act for them.
Our conveyancer has uncovered a defect with the lease for the property we are purchasing. The other side have suggested defective title insurance as a workaround. We are content with insurance and will cover the costs. Our lawyer says that as he is on the Pepper Money conveyancing panel he must check that the lender is happy with this solution. Who is the client here, us or Pepper Money?
The short answer to your last question is that, notwithstanding the potential for a conflict of interest, you and Pepper Money are the client. 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). The CML Handbook conditions require your lawyer to disclose issues such as defects will the lease so that Pepper Money can be afforded the opportunity to check with their valuer as to the extent that the value of the property is affected . 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.
I note that you have a post code search directory identifying solicitors on the Pepper Money conveyancing panel. Do firms pay you a commission if I appoint them for my own conveyancing?
We are a listing service only for law firms wishing to communicate if they are on the Pepper Money conveyancing panel or other lender panels. We do not charge referral fees to the any conveyancer that you subsequently appoint.
My solicitors in London have advised me that they can not locate my conveyancing file. At the time of my purchase I took out a mortgage with Pepper Money. Is it case that being on the Pepper Money conveyancing panel they need to have retained the file for a prescribed period?
It very much depends from lender to lender but many of the Terms and Conditions of Conveyancing Panel Appointment require the file to be held for a period of 6 years. That being said we have not seen a copy of the Pepper Money Conveyancing Panel Terms. It might be worth you contacting Pepper Money directly.
When it comes to lenders such as Pepper Money do solicitors have to be pay a fee to be on the conveyancing panel?
We are not aware of any lender fees to be on their panel although some do charge an administration charge to deal with the processing of the conveyancing panel application.
I previously instructed online solicitors based in Manchester who are on the Pepper Money solicitor panel. They have just invoiced me a separate fee of £175 for the legal aspects of the Pepper Money mortgage. Is this an additional conveyancing fee specified by Pepper Money?
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 but by your lawyers. Some firms on the Pepper Money will charge an ‘acting for lender’ fee but plenty of firms include it on their overall fee.
For 5 years I had a mortgage with Pepper Money. My grandfather retired last week and wants to pay off my mortgage. After Pepper Money is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the Pepper Money conveyancing panel? I do not intend to live at the property once the Pepper Money mortgage is discharged.
You will need a solicitor but they need not be on the Pepper Money conveyancing panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. As the property is your main residence you need not pay CGT but you should speak with your accountants in any event.

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