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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 mitigation tool.

This system assists 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. Even though using this technology 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 a helpful support to your application to their lender panel and, more importantly, protect your panel standing.

COMPLETIONmonitor generates 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 some firms, leads to 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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FAQs : The Pepper Money Conveyancing Panel from members of the public

I need to swap lawyers as my lawyer is not on the Pepper Money panel of conveyancing solicitors. Is it practical to instruct different lawyers?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
Can you clarify something for me?. For no fault of my lawyer but, my purchase conveyancing has been going on for months. The Local Authority Search from Pepper Money was date stamped random date and we have agreed a date for me to move into the property on 6. My solicitor informs me that as she is on the Pepper Money conveyancing panel she needs to redo the searches as they are no longer acceptable to the lender.
One of the many conditions 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 specifies 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.
I see that you have a post code search directory listing firms on the Pepper Money conveyancing panel. Do firms pay you a referral fee if I retain them for my own house purchase?
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.
I am selling my house. 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.
It is not clear whether my mortgage offer requires a lease extension . I have called into my local branch Pepper Money on numerous occasions and was told they are content with the situation and they would lend. My solicitor - who is on the Pepper Money conveyancing panel- telephoned and was told not they would not lend in accordance with their CML Handbook minimum lease term requirements. Who do I believe?
As long as the conveyancer is on the Pepper Money panel she or he must comply with the CML Handbook requirements for Pepper Money. Unless your lawyer obtains specific confirmation in writing that Pepper Money will go ahead your lawyer has no choice but to refrain from exchanging contract and committing you to the purchase. We would suggest that you ask Pepper Money to contact your lawyer in writing confirming that they will accept the remaining number of years left on the lease.
I am due to exchange contracts on my flat. I had a double glazing fitted in month 7 but did not receive a FENSA certificate or Building Regulation Certificate. My buyer's lender, Pepper Money are being difficult. The solicitor who is on the Pepper Money conveyancing panel is happy to accept ‘lack of building regulation’ insurance but Pepper Money are insisting on a building regulation certificate. Why do Pepper Money have a conveyancing panel of they don’t accept advice from them?
It is probably the case that Pepper Money have referred the matter to their valuer. The reason why Pepper Money may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
Pepper Money have agreed my mortgage in principle, my offer on house has been accepted, now what?
The estate agent will want to know who your solicitors are (make sure these solicitors are on the lenders panel). Call up Pepper Money or your broker and complete any relevant paperwork. Pepper Money will tell you what documents they want. Pepper Money will instruct a valuer. The valuer will get in touch with the estate agent or seller to book an appointment. Once conducted (assuming no problems) it takes about week to get a mortgage offer. Pepper Money will issue the offer to you and your lawyer. The transaction will then take it’s course according the nature and complexity of the conveyancing.

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