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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 PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk mitigation tool.

This software is the only way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with alerts on Pepper Money’s changes. Notwithstanding that using COMPLETIONmonitor 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 panel application and, just as importantly, protect your firm’s panel status.

COMPLETIONmonitor creates real-time alerts, automatically produces SRA and CQS reports, and will increase your firm's efficiency. In addition it is user friendly, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Pepper Money

Mortgage companies frequently 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, frequently:

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

On what basis could a law firm be removed from the Pepper Money solicitor panel?
A survey recently commissioned by the Solicitors Regulatory Authority found that three quarters of law firms had been excluded from a lender panel. The most common reasons in order are :
  1. Low volume 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. We are not aware of the specific or common criteria for removal by Pepper Money
My solicitor has informed me that he requires ID documents saying that this is part of his obligations as a conveyancer on the Pepper Money Conveyancing panel. Can you confirm whether this is the case?
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 Terms and Conditions 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 note that you have a post code search directory listing solicitors on the Pepper Money conveyancing panel. Do firms pay you a commission if I retain 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.
The lawyers that I recently instructed on my purchase in Manchester has without warning closed. They were on acting for me because I had to have a solicitor on the Pepper Money conveyancing panel and my previous lawyer was not. I gave my credit card details for them to take £175 for searches. What are my options?
Assuming that you have an Estate Agent in the equation then inform them straight away so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Most sellers would be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You should appoint new lawyers that are on the Pepper Money conveyancing panel and notify the lender. If you have paid over any money it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new solicitors should be in a position to assist
We have agreed to purchase a house.One unusual aspect is that the roof has a solar panel. Pepper Money have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As you are obtaining a mortgage with Pepper Money your lawyer must to check the Pepper Money conveyancing instructions contained in the Part of CML Handbook for Pepper Money . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to Pepper Money where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. Requirements for Scotland are due in the near future.
My husband and I are in the throws of viewing apartments and now considering a potential offer. Should I already have a conveyancer appointed at this stage? I I am planning to take a home loan with Pepper Money
You should start obtaining conveyancing quotes from solicitors ASAP. Once you decide who you want to use and once your offer is accepted you can instruct them to work for you and pass their details on the the EA. As you are getting a mortgage with Pepper Money , make sure you remember to check that your lawyer is on the Pepper Money conveyancing panel.
I have today made my last payment due on 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.

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