Pepper Money Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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Halifax Conveyancing Panel?
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How can my firm be reinstated onto the Halifax Conveyancing Panel?
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Is my firm on the Halifax Conveyancing Panel?
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Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This system optimises the way you can prove to lender panels that you are, and can stay fully compliant with their requirements, with alerts on Pepper Money’s changes. Notwithstanding that using this technology is not a condition for being on the Pepper Money panel, demonstrating you can stay up to date with Pepper Money’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, protect your panel status.

The system generates real-time alerts, automatically produces regulatory and CQS reports, and will improve your firm's efficiency. It is also simply to use, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by Pepper Money

Lenders 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 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 have been changed since 15/12/2008.

To find out more about lender panel compliance,

Pepper Money Conveyancing Panel Example Support Desk Enquires from members of the public

My IFA has asked me for my law firm’s panel reference for the Pepper Money conveyancing panel. How do I find this out. I have called my local Pepper Money branch but they cant find it on their system.
the sensible thing to do is ask for this information from your solicitor. A law firm is likely to keep a file or database of lender panel information which would include, if applicable their conveyancing panel details for Pepper Money.
I am purchasing a brand new duplex and my solicitor is telling me that she is duty bound to disclose incentives from the developer as her practice is on the Pepper Money conveyancing panel. I am under pressure to exchange and I would rather not delay the conveyancing. Is my lawyer right?
You should not exchange unless you have advised to do so by your lawyer. 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 Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I see that you have a post code search directory identifying solicitors on the Pepper Money conveyancing panel. Do firms pay you a referral fee if I appoint them for my 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.
Please explain the implications if my solicitor is expelled from the Pepper Money Solicitor panel prior to the moving date as agreed at exchange of contracts?
First, this is a very rare occurrence. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have ti instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by the regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
Is the case that all CQS (Conveyancing Quality Scheme) solicitors on the Pepper Money conveyancing panel?
It is true that some banks and building societies now use CQS as the starting point for Panel approval such as HSBC and Santander. CQS membership however gives no guarantee to lender panel acceptance. That being said,the CML have indicated that it is likely to become a pre-requisite for firms wishing to remain on their panels.
When it comes to lenders such as Pepper Money do lawyers 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.
Can I be sure that the solicitor on the Pepper Money panel is any good?
Getting recommendations is a good starting point. Before you go ahead check if they offer a no sale no fee offer. Also you often get what you pay for - a firm which quotes more will often provide a better service than one which is cheap as chips. We would always recommend that you speak with the solicitor conducting your transaction

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